23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/year> XXXX contacted myself as I was hospitalized claiming that if I made a payment right then and XXXX more payments XXXX weeks apart that I would be able to save my loan from being charged off. I gave them my credit card information and they processed my payment immediately while on the line with me. It was under false pretense as I now know that they had already or soon after sold my account. I spoke with XXXX and they are only saying that the payment arrangement they made with me wasnt able to prevent charge off even though I asked several times before making the payment if this was Forsure going to face my account and was reassured through out everything correspondence that it was sufficient.
Product: Credit reporting or other personal consumer reports

I have had fraud and identity theft accounts were open that I did not authorize by a family member, I was XXXX  and I have proof, I will upload my XXXX dates and I have filed a report with the federal trade commission, I will like for these things to be removed from my credit report due to I was XXXX XXXX and did not give permission for anyone to open anything in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 late payment when payment wasnt late effecting my credit report negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX  Account # XXXX XXXXXXXX XXXX  Account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXX Has violated my rights .

15 U.S.C 1681 section 602 A : States that i have the right to privacy 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by DIGNIFI/WEBBANK. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payments on time for the billing cycle, which was due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, a late payment of 30, 60, 90 and 120 days was incorrectly reported.

I have provided evidence of this timely payment, including bank statements showing that the payment was processed well before the due date. 
There appears to have been a clerical or administrative error that resulted in the late payment being reported across all three bureaus, despite no actual delinquency on the account. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION credit reporting company has violated my rights as a consumer. ' in accordance with 15 u.s.c 1681 section 602a states that i have a right to privacy i have emailed ans send in all required documentation to support my identity theft case with transunion. Transunion has verified inaccurate items on report by ways that are unlawful. the following items are included in identity theft and should be remnoved from report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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, 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. 1681s-2 ( A ) ( 1 ) 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 or other personal consumer reports

I never authorized nor signed any documents for this company to collect any debt. According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was supposed to report to all three credit bureaus but only reported to Experian. Experian claimed to have removed XXXX from my credit report, and they did not actually remove it from my credit report. Experian has not reported ANYTHING ACCURATELY since XXXX, XXXX. Also, none of my addresses on ANY credit report are accurate, therefore it is impossible that XXXX, Experian, XXXX, and XXXX were able to dismiss my disputes in their dispute responses, if they can't prove that I lived at another address. 

XXXX XXXX and XXXX XXXX agreed for a pay-for-deletion amount of {$260.00} and agreed to report that I was able to bank with XXXX XXXX XXXX again . 
Case : # XXXX P : ( XXXX ) XXXX. 

The collection agency may not have documented the correct amount, and if not, I have sufficient evidence to prove what was said in my conversations with the scamming collection Agency that works with XXXX. 

{$260.00} was not the actual amount that was reportedly owed, {$220.00} was the actual amount. The {$40.00} extra that the collection agency asked me to pay was for deletion of the XXXX charge off from my credit report and the restoration of my XXXX account. 

11 months has passed since I first filed a complaint and still no righteous, proper, nor professional work was done. FCRA was violated multiple times with fraudulent information, and negligent behavior by XXXX, XXXX XXXX XXXX, XXXX, Experian, and XXXX. XXXX was caused by refusal to officially remove XXXX account from Credit Report. I am still receiving a message stating my account is disabled by XXXX XXXX XXXX whenever I log in to my old account. I am also banned from making any new XXXX XXXX XXXX Account. Emotional Distress, Denial of opening ALL credit union accounts due to XXXX 's false updating, and negligence of completing a full investigation are all violations and penalty fines may occur. I will submit a complaint to XXXX XXXX XXXX XXXX if I continue to see any more false information in regards to my personal information and credit scores. Fraudulent actions and negative reporting on consumers may seem like no big deal because it's not in regards to YOU, but I will sue XXXX, XXXX, Experian, XXXX, and XXXX 's collection services with all of the legal power I have if violations ensue. All companies involved in wrongdoing may have to defend their companies in a court room, one by one. You have between 30-45 days to respond. Since I've already reached out and submitted a complaint to all of you, I'd recommend making your FINAL response decision by XX/XX/XXXX, as I have more than sufficient evidence to sue every company listed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCURATE INFORMATION ON CREDIT REPORT. DOES NOT BELONG TO ME. 

XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$43000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my credit report because of Covid 19 and I found an account and some names that did not belong to me.
Product: Debt collection

I had a market and owed XXXX XXXX around XXXX when I had to close the market in XXXX XXXX. I had paid the original invoice down from XXXX XXXX. In XXXX an attorney started threatening me, and took me to court for the debt. I called XXXX, but they had went out of business and XXXX bought their inventory. XXXX is the company trying to collect my old debt to XXXX. Their attorney LLoyd McDaniel took me to court, but could not produce an invoice. I agreed to settle out of court, and pay XXXX to XXXX within one year. I sent XXXX check to them and they cashed it but would n't adjust the amount, and send a receipt, or stay in contact with me. The attorney filed a garnishment on my old bank, but I have XXXX assets, have a small XXXX pension in ky of XXXX monthly and the bank put XXXX. They have now contacted XXXX XXXX Bank after filing another garnishment, and attached XXXX to my wife 's cd, which is her back pay for ss XXXX. Teller XXXX XXXX attached the lien without checking the cd to see that her money is exempt, she had no ownership in my business and they can not legally garnish me on her money. I filled all this information in a few minutes ago, but the computer went down, so you might be able to pull up the completed form. I have asked for a receipt, and tried to send them another XXXX dollars but they refused it because it was on my wife 's checking, but my wife gave me permission, I am her representative, and have to monitor the account for the ss administration so my name is on all our accounts as rep. We need help, we are both very sick, she has numerous XXXX issues, and is now close to XXXX due to having our little amount of ss benefits attached. I am suffering from XXXX, and a XXXX we XXXX stay in the hospital with health problems..This company has been ruthless and has been using the district clerk in XXXX XXXX Ky. as their enforcement arm, even though we had a court signed agreement that I had until XXXX XXXX to pay the money. They are claiming several XXXX more, did n't give me credit for my payment and I have the check where it was cashed by XXXX 's. I only gave in on this because I have XXXX when I leave the house, and I have to monitor my wife constantly because of her XXXX state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue getting fraudulent information Blocked from my credit file. I sent in originally a copy of my police report. There were several Fraudulent accounts and most were blocked but I believe that whatever representative processed the paperwork must of missed one of the fraudulent accounts. This account is with XXXX XXXX act XXXX and XXXX XXXX XXXX XXXX. I am in the process of moving due to the Covid-19 and due to my credit score I am not able to submit an application.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I went to XXXX XXXX to simply look at furniture. I did not intend on purchasing anything that day, as I didnt have any money on me. They quickly mentioned that I didnt need a physical card in order to make the purchase. This led to me signing up for a rent to own agreement with American First Finance, since thats who XXXX XXXX uses. I dont know which company to blame in this situation. I got my furniture XX/XX/2022, since my move in date was XX/XX/2022. I made 3 payments before my payment was delivered. I was paying for furniture I didnt have for at least 15 days. The agreement had an early pay off option which I intended on using, except my pay off date was not accurate. First, I believe I shouldnt have paid anything until my furniture was delivered. Secondly, my furniture was delivered a day late even though it was ordered the week of XX/XX/2022. Thirdly, I believe my early pay off discount shouldve have been extended due to my first and second reasons. I called American First Finance, and the employee I spoke with slipped up and agreed that American Freight shouldnt have started payments weeks before I got my furniture. Clearly that conversation did not go far, because Im here writing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file. ive noticed alot of errors an this needs to be resolved asap. please review an remove all invalid item to clear my file. this is my XXXX attempt an no updates have been shown. please delete all infromattion asap.
Product: Credit reporting, credit repair services, 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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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. 1681s-2 ( A ) ( 1 ) 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 or other personal consumer reports

The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

XXXX Account # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : XXXX Account # 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 the following information items. 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 1681s-2 ( A ) ( 1 ) 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.

please close, delete and remove this account from my credit profile as it was opened and used without my authority as a result of identify theft and fraud
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 Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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. 1681s-2 ( A ) ( 1 ) 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

These companies ran my credit multiple times without my permission.
Product: Debt collection

I resolved the initial debt through a debt consolidation company back in XXXX. There was a XXXX balance showing on my credit report in XXXX. I do NOT owe anything to this new company who did not contact me directly and put my account into collections by reporting to all 3 credit bureaus on XX/XX/XXXX. 

I do NOT know this collection agency. They did not send me anything and I contest owing anything. Since XXXX I have had XXXX CONTACT with anyone.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX on multiple occasions, via phone, mail, cfpb etc to no avail and have yet to get my issue resolved. The list of negative items have yet to be removed even in providing the necessary documents requested of me! This is not right and If not expedited I will be suing for monetary relief as well.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have tried to contact the credit reporting agencies. They are not processing my disputes correctly and not attaching my FTC reports to the disputes. I have asked for copies of the verification process and never get them.
Product: Credit reporting or other personal consumer reports

Over the last past XXXX yrs I've trying to get these problems resolve the remove it and wait and place it back on my report, I have written letters they say they never receive them, I have tried calling am placed on hold for hrs. 

XXXX i called them they sent me to through XXXX different people, items to my credit report without my permission, nothing was done by the company. 
I've done this several time with letters and phone and nothing is being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX has for last 7+ years been restarting the claim saying i owe them money when they broke contract by screwing up my phone i had has a back up and putting it on the account of who i bought the newer phone from and would not correct it, kept raising the bill every month and wouldn't correct it, repeatedly called and harassed me and threatened to take me to court and sue for past due amount. original account is over 7 years old so how does it keep renewing and showing up?
Product: Debt collection

ARS piece of paper did not contain all FIVE requirements pursuant to 15 USC 1692g which states : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification judgment will be mailed to the consumer by the debt collector ; and a ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ARS did not mention 3, 4, nor 5. Thats a violation and ARS owe me another {$1000.00} according to 15 USC 1692k civil liability. If ARS had the power to validate or verify anything, they wouldnt be mailing me a pointless piece of paper. Which, by the way, the law does not mention a bill or a statement as validation or verification. ARS have yet to tell me who originated this credit. I still do not owe this alleged debt. ARS also is committing mail fraud according to 18 USC 1341. I did not give my consent for ARS to communicate with me and Ive been attached a cease & desist letter. Thats another violation pursuant to 15 USC 1692c. I am attaching an invoice and I expect my check in the mail. ARS has 30 days. Youre on notice.