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

XXXX and XXXX credit bureau 's along with the Original Creditors have been reporting negative information at least 2 years on 3 accounts in my credit files.The accounts were investigated and deleted from XXXX XXXX in XX/XX/XXXX while the other CRA 's refused to remove the erroneous items after numerous rounds with them and the suppliers of the information. I sent numerous FCRA 611 and 623 certified letters with either no response or with little documentation to warrant reporting of the items in violation of the FCRA for both the CRA 's and Original creditors. Yet, they continued to verify that the information was complete and accurate after investigation/re-investigation. In the instance of XXXX XXXX, they reported amounts owed of XXXX on previous disputes then jumped to XXXX in others with no proof to substantiate the debt or response to 623 letters. Toyota Motor Credit responded to 623 letters only saying they verified that the information to be true and correct but I have yet to see and documentation from them proving this. XXXX XXXX XXXX was the same in their refusal to delete even though the CA  they sold the account to had deleted the negative information in XXXX. All the information that was investigated and re-investigated shows inaccurate and different information across all the CRA 's so how could it possibly be verified as accurate and complete based on credible investigations?
Product: Debt collection

I was incarcerated during this time at XXXX XXXX XXXX XXXX ( XXXX ) This debt should of been paid by them it is their responsibility not mine I have full coverage insurance when not incarcerated the bill belongs to them they are legally require to pay not the inmate. This has hurt my credit and is not and never was authorized by me. I was incarcerated for 17 months with never being released to take care of my personal finances. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX XXXX then from XX/XX/XXXX to XX/XX/XXXX at XXXX prison in XXXX NM
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a letter to the recipient about accounts that were inaccurately reporting and I still have not received any notice or update about the accounts. My credit is very important to me and I would like to have some assistance with this matter. The contents of the letter are as follows : NOTICE REQUEST FOR REINVESTIGATION RE : XXXX XXXX XXXX, Account # XXXX XXXXXXXX I believe that the information on the consumer report is inaccurate or incomplete. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I am requesting a reinvestigation for the following : XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXXXXXX XXXX XXXX XXXX, Account # XXXX  XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXXXXXX Please verify if the following accounts listed above are reporting accurately or completely. I am disputing the Date of the last payment and the open date of XX/XX/XXXX. Once verified please send a copy of my credit file. 

Please help me with this matter asap.
Product: Debt collection

This debt is not mine.. I do not have any recollection of this debt nor have I ordered from these people this needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX  XXXX Opened : XX/XX/XXXX Balance : {$1200.00}.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear MIDLANDCRE, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is a direct contravention of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Missouri Information Practices Act, and identity fraud laws, specifically Missouri Revised Statutes Section 570.020. 

It has come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically the Missouri Information Practices Act, provides protections for consumers against unauthorized disclosure of personal information. Furthermore, identity fraud laws, such as Missouri Revised Statutes Section 570.020, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Information Practices Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Bank account or service

I OPENED A CD ACCOUNT WITH BANK ON INTERNET ON XX/XX/2016. I DEPOSITED MONEY WITH BANK. THIS IS A JOINT ACCOUNT WITH MY WIFE XXXX XXXX. THIS BANK HAS VERY BAD CUSTOMER SERVICE. THEY DID NOT SENT ANY LETTER REGARDING THIS NEW ACCOUNT BY MAIL. CUSTOMER SERVICE NEVER EVER GAVE PROPER & SATISFACTORY ANSWER TO ME. I AM QUITE UPSET WITH THIS BANK & WORRY ABOUT MY MONEY AT SAME TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Debt Collection Company IC Systems has recently reported to my XXXX XXXX Credit Report That there is an unpaid debt to XXXXXXXX XXXX. They are showing the account was opened on XX/XX/XXXX and last reported to the Credit as in collection as of XX/XX/XXXX. I have contacted them collection company and requested validation of this debt. I have also contacted XXXX XXXX   who informed me that this account was Closed on XX/XX/XXXX, making this debt over 5 years old and 1 year past the statue of limitations in the State of Texas, however IC systems has " re-aged '' this debt in order to report it to the credit Bureau I have also asked XXXX XXXX for Notification of attempts to collect any debt from XXXX and they will not provide anything. Never has XXXX XXXX to my knowledge ever reported any collection on any of my Credit in the last 5 years until IC Systems took over the collection agency as of XX/XX/XXXX. 
I have disputed this debt as I have no recollection of owing any money to XXXX XXXX in which they say is " unpaid programing '' and " early termination '' fees that they will not provide any documentation on and to my knowledge never obtained or reported any collection activity on my credit until now. 
With IC systems reporting this 5 year old " Debt '' and " re-aging '' it to a 2 month old debt, this has drastically negatively impacted my credit score do to their Illegal reporting practice of " RE-Aging '' the debt. So when a lender looks at my credit for any type of loan purpose they will see a new collection that is 2 months old negatively impacting my ability to extend or receive new credit.

I am not sure how a company can just out of no where start reporting a Debt that is over the statue of Limitations as well as reporting the incorrect dates of the said debt. 
I need your help in removing this off of my credit. I fear that If I make any attempts to make any payments on this 5 year old account, it will reopen the statue of limitations and reporting limits of the Debt. So with them reporting this debt as of XXXX it will now stay on my credit until the year XXXX instead of dropping off 7 years past the original date of the said debt. 
I have also disputed these charges with XXXX XXXX with no avail or communication efforts on their part until I received this on my credit, and I will also state that the Debt was reported to my credit Months prior to receiving any written notification from IC systems as I have just received a letter today XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX I fell victim to theft/fraud. My citi accoumt was compromised and unauthorized access occurred through my bank account/ citi XXXX XXXX XXXX account XXXX A private loan was attempted to be taken out, a line of credit in the amount of XXXX was processed, a XXXX  transaction in the amount of XXXX incurred and a XXXX dollar transfer occurred from my plus account to my checking ( which processed as a line of credit that I now owe ). I called my financial institution ( citibank ) to notify them of the activity and the fraud department associate that I spoke with on the phone was less than responsive to my needs and situation. Her response to my situation was less than supportive, she was aggressive with her questioning, abrasive with her responses and accusatory in nature. She informed me that the transfer from my checking plus to my chevking account was 'not an issue ' and that the money was 'still in my account '. When I informed her that I did not authorize that transaction she asked if I knew a... ( stated some name ) to which i reported I did not know this person. The conversation became less constructive as I felt personally attacked and gaslighted during her questioning and given her responses. She was not supportive of my concerns until after I asked to speak to someone else and also demanded a supervisor. She placed me on hold then later returned stating she would like to diffuse the situation and eventually took my statement ( then only asking questions about the XXXX  transaction ). At the end of the call, she instructed me that my account was being rendered inactive, card voided and that i would physically have to open a new account in person at a branch. I informed her that I did not live near a branch to do so and had asked if she would tell me the closest one available to which she said she could not help me with. This same evening I filed a dispute regarding the XXXX  transaction. Because I was only given the option to file a fraud report for the XXXX amount ( and was concerned that my other needs weren't addressed ) on XXXX I called to follow up regarding the other transactions and report my complaint to a supervisor within the fraud dept regarding the associate I originally spoke with. I was directed to call the identity theft division, needed to call the credit accounts associated with my bank ( to report the other activity ) and was able to add the XXXX transaction to my original report.
Product: Debt collection

Validation letter sent to LVNV by mail requesting validation of debt. No response from LVNV as of XX/XX/year>. Also contacted XXXX to file dispute with credit bureau.
Product: Debt collection

This company is showing on my credit report and trying to collect money for a company I have never done business with or lived in an area that they service. Is this fraud? 

Account info Account name XXXX XXXX XXXX Historical info Original creditor XXXX XXXX Account info Account name XXXX XXXX XXXX Account XXXX XXXX Account type Collection Responsibility Individual Date opened XX/XX/2022 Status Collection account. {$180.00} past due as of XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I have used Wise for the last 8 years as I spend my time in the US and XXXX. My banks have never changed. Transfers would take literal seconds to happen, and my transfer amounts are typically $ XXXX {$200.00} USD, with one transfer a month being over {$1000.00} to pay for a mortgage I have in XXXX . 

Starting XX/XX/2024 my transfers started taking up to 5 business days to be sent. I immediately reached out to ask why the change, and also if there were issues with the company and if was it in jeopardy. I had bills to pay that week so I was very stressed by this development. I was assigned case # XXXX. 

Their first response : " It usually takes up to 4 working days for your money to reach us. Youll see the debit in your bank account within 2-3 working days of making the transfer. 
Since it can take some time for the money to reach us, make sure you have enough money in your account while you wait for the debit. '' My response : " This did not used to be the case. And it's been taking longer than 4 days. Why did this change? This is not sustainable for me. There have been 0 issues for at least 3 years, and my account hasn't been the issue in as much time. '' Their response : " I just checked your transfer # XXXX can confirm this was set up 3 days ago and the system shows me that the payment will be resumed within 30 minutes after Friday, XX/XX/2024. Transfers sometimes are instant but also sometimes us or our banking partners need to do routine checks and in this case transfers can take more time. So far Wise has no intention of closing, it continues to work normally as of today, if there is any news like that, we will let you know. '' This is not a suitable response to me at all. The transfers continue to take around 4 days and it is screwing up my livelihood. This is not an issue of my account being insufficient so I just want to know why this is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has a multitude of unauthorized inquiries that I tried several times to work with them on to get off yet they continue to overlook the fact that my identity was stolen
Product: Vehicle loan or lease

Just this month ( XX/XX/XXXX ), a " late payment '' hit my credit report while I am in the middle of purchasing a house. I logged into the TD Auto Finance website ( which I never do b/c the payments are made in person at TD Bank counter ) and there was nothing obviously that would show anything was 30+ days late. What I did see was what the balance due for " XX/XX/XXXX '' which is what they are stating is the missed/late payment. I called TD, spoke with a representative yesterday ( XX/XX/XXXX ). They stated that there was a payment missed in XX/XX/XXXX. It clearly was an accident because every payment before and after that has been on time and always more than the minimum. I was never notified about a missing payment. TD stated that do not call for missed payments but only send notices in the mail. I have never received one. They also said they sent me monthly statements, which I also have never received and they are looking into that. The on-line message center also has no notification in there under my account. When they told me it was late, I immediately paid the outstanding balance, which was less than a monthly payment due to all the over payments. Not only did they not make a fair attempt to contact me, they reported {$88.00} as " 30 days late '' with the credit bureaus but posted it on my credit 9 months later as if i was recently late. Had they either called me and/or even added it my credit when it was truly late, I would have paid it immediately. Now my current home loan I'm working on is at risk. They told me there was no phone or e-mail to contact anyone, I would only be able to mail my complaint to the Credit Dispute Department. My home is supposed to close in less than 3 weeks and this is now an issue.
Product: Payday loan, title loan, or personal loan

I repeatedly asked every employee including the district manager to not contact me before XXXX, they repeatedly call me before XXXX while I am at work even after I had advised them that my employment could be at risk if they continue to call me. Every employee including the district manager still calls and argues that they can keep calling me regardless of my ongoing efforts asking them to call after XXXX. I have made arrangements on the account with the exception of being past due 2 days, the manager advised me that regardless of my request because I was 2 days late I would receive calls prior to XXXX. I believe I am being harassed and even advised the district manager after several calls prior to XXXX that they are purposely calling me before XXXX. I even have calls from their office and they do not speak, they just hang up the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to solve a problem with the credit bureaus because they are reporting inaccurate information that is affecting my credit score. 
Please investigate about my case.
Product: Debt collection

The debt in question is for a repossession of an auto over 8 years ago in the state of New York. The Statute of Limitations has exceeded for collecting this debt and the car has been sold by the company. In addition, I have asked them not to contact me, especially during the day, at work. I have hired an attorney - XXXX XXXX XXXX, who has sent 2 letters to the original company who called and threaten to come to my office and serve my boss with a letter to sue me ( XXXX, XXXX, and Associates, XXXX ). My attorney has sent 2 letters as they did not stop contacting me. Now I am getting calls for 2 weeks from a company called XXXX XXXX XXXX phone number XXXX, XXXX, or random XXXX. I finally asked the guy on the phone what company he was calling about as they usually hang up when I ask and he stated Santander. I requested he contact the attorney of record for me - who was noted previously not contact me. He hung up.
Product: Credit reporting or other personal consumer reports

XX/XX/year>2024 Personal and SensitivePrivilegeNot for Publication MEMORANDUM FOR THE RECORD United States of America Consumer Financial Protection Bureau Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX District of Columbia , USA Subject XXXX Detailed Feedback on Response to US Consumer Financial Protection Bureau in Cases Involving Army and Air Force Exchange Service | EIN : XXXX and XXXX XXXX XXXX XXXXXXXX XXXX | EIN : XXXX in Connection With an In-House Credit Program, Brand Name XXXX XXXX XXXX  Third-Party Credit Card Receivables [ Complaint ID No. : XXXX ] To Whom It May Concern, Please find attached my detailed feedback regarding the response I received from the Army and Air Force Exchange Service concerning Consumer Financial Protection Bureau Complaint ID No. : XXXX, which I submitted on XX/XX/scrub> 2024, against the XXXX XXXX XXXX XXXXXXXX XXXX XXXX U.S. XXXX  XXXX XXXX  ). 

Although I am disappointed that the US Consumer Financial Protection Bureau ( CFPB ) was not able to forward my complaint directly to the leadership of the XXXX XXXX XXXX  XXXX XXXX for a response, I am grateful to the CFPB for referring my complaint involving the XXXX XXXX XXXX  XXXX XXXX, in connection with my billing and credit reporting disputes with the Army and Air Force Exchange Service, to the Federal Trade Commission on XX/XX/year>. Moreover, I appreciate knowing that federal government regulators entered my complaint into the XXXX XXXX XXXX, a secure online database operated by the US Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including CFPB investigators, use the XXXX XXXX XXXX to identify questionable business practices that may lead to investigations and prosecutions. I believe a comprehensive investigation into my claims will reveal systematic wrongdoings in accounting, billing, servicing, collection, and credit reporting practices. 

This document outlines my ongoing billing and credit reporting disputes, specifically addressing the completeness and/or accuracy of the third-party credit card account receivables, the validity of the furnishers legal name, misapplied payments, fees charged, past due amounts, and interest charged, as reported. 

Thank you for your timely assistance and consideration. 

Very respectfully, I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Ret . ) Citizen of Indiana state All Rights Reserved without Prejudice Copy to : United States of America XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX Washington XXXX District of Columbia , USA United States of America XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana, XXXX United States of America Army and Air Force Exchange Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit cards on my report that were not opened up by me, I did a ftc complaint my reference number for the FTC report : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Debt collection

I have been sending disputes about this so called XXXX bill to no avail .it was removed from one of my credit bureaus but not the others. its held by a third party debt collector. Ive been letting them know Ive never had or used a XXXX phone or service on stated dates. Im not sure what else to do from here but the debt isnt mine. Some how they have my address and Im not sure if they have my social if they do its definitely fraud! Please help thanks for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX