23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

I have call credit bureaus to dispute all negative impact on my credit reports in regards to date of opening not correct, information from documents I have showing I do n't owe and cases that were discharged in my chapter XXXX from 2008, these companies keep reselling to other companies over and over again, one collection company which is XXXX XXXX has false reporting saying I owe when wisconsin circuit court shows I do n't, damaging my credit,
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I am formally requesting their removal within 15 days. Relevant documents are enclosed for your review and consideration.
Product: Checking or savings account

America First Credit Union without asking members first automatically enrolled them in " premium checking '' that will cost XXXX bucks a month. Yes, you can try it " free '' for 2 months, but enrolling them without permission is where I take offence. If I wasn't told by another credit union member I would have been completely in the dark and then wondering why there were charges every month for something I didn't buy or approve.
Product: Credit reporting or other personal consumer reports

In my entire credit history ( 25+ years ) I was late with one credit card payment for XXXX in XX/XX/year> which was paid when I was notified by that company 32 days later. Due to that Citi Bank, who I have four credit cards with and Never missed a payment on any of them reduced my credit line on all four making my credit score drop 50 points. Every time i make a substantial payment on any Citi Bank card they reduce my available credit line to within {$100.00} of my balance making my credit score go down even more. This action on their part is responsible for my credit score dropping 127 points in three months making me appear less credit worthy for any credit transaction. My emails and phone calls were not responded to and i can not get them to reconsider the damage this arbitrary action has and will cause me. 
Can you help me. My credit score was as high when they solicited me for the Citi cards as when they started to eliminate credit lines as I made payments. Their actions have really hurt me with auto and other insurance rates as well. They will not respond to me and keep this unfair action up each month. Please help.
Product: Credit card

I WANT TO REQUEST A CREDIT LINE INCREASE OF XXXX I FELL I HAVE THE RIGHT CREDIT LINE DO TO MY INCOME AND THE LADY FROM CAPITAL ONE SAID IT IS BASED OFF INCOME AND ALSO DUE TO THE FACT THEY HAVE NOT MAILED MY CREDIT CARD TO ME YET AFTER I CALLED AND TOLD THEM TO.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw wrong accounts showing up on my credit report tonight. Ive been monitoring it like usual, and this has never happened before. I even refreshed the page multiple times, hoping it was just a glitch, but nothing was fixed. I need a complete check of the documents I sent so I can finally have peace of mind and not have to deal with this anxiety anymore.
Product: Debt collection

This fraudulent account. Someone open account XXXX card.It was remove credit reports now XXXX XXXX sold the account its back on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im looking to buy a house and have been working with a lending company. In XXXX they pulled my credit with my consent and provided me with a pre approval. I had some debt in my revolving accounts that I have since payed off. I reached out to my lender asking now that I have paid some of this debt off. Was there a way to see if that would reflect positively on my credit WITHOUT a second hard inquiry. The lender said one moment and next thing I know I get a notification the my credit was pulled from two agencies. I informed the lender that this was an unauthorized inquiry and her response was Im sorry there is nothing I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 
Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays.

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the XXXX Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; 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 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 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 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 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 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 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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX year old XXXX  brother does not have a credit file. I have requested that he have a freeze placed on his social security number. They do not seem to understand or be able to do this but can sell a lock product. Does he have protection from XXXX?
Product: Debt collection

credence resource management this has been removed from my credit XXXX  times and they keep putting it back on my report
Product: Money transfer, virtual currency, or money service

Re : Dispute # XXXX I am requesting that you reconsider my request to refund the {$480.00} that was taken from me without my consent on XX/XX/XXXX. I did not authorize this transaction and I have reported the people involved and the stolen money to the FBI I will admit I gave this person permission access to my XXXX, only because I thought he was with XXXX fraud department. I did not give him or anyone else permission to transfer money out of my Chime account to anyone. I received the attached email telling me {$470.00} was going to be taken from my account that night for XXXX that I had supposedly purchased and if that wasnt correct to contact them. I thought I was being smart and had XXXX look up the number for XXXX customer service ( because I had gotten in my car and was driving home ). I thought if it was a scam surely that way I would get XXXX and they would tell me it was a scam. How was I to know I was getting the same number that was on the email and it was the scammers? I was driving and couldnt look at it. XXXX is XX/XX/XXXX! 
Anyway, he had me download the app XXXX so he could take a look at my XXXX account to see what was happening. I didnt think anything about it because anytime Ive had someone in a professional setting work on a computer they always had to get remote access. I was so wrong. He did several transactions in XXXX and the little bit of money I had in there didnt move. Then he told me since my XXXX account was linked to my Chime account he would need to check it to make sure they hadnt already setup a transaction to come out that night. He then put me on hold for about XXXX minutes ( I figure that is when he was setting things up ) and when he came back he said the scammers had set up XXXX transactions to come out of my Chime account that night. He then told me that my money would need to be moved to keep them from taking it and he would fix the problem and move it back. When he went into pay anyone I told him I didnt know about that. He assured me that my money wouldnt actually go out of my account. Of course, as soon as the money moved to XXXX XXXX XXXX who was not in my contacts before he took control of my phone ) I asked him to put my money back. Thats when he kept telling me he would but that I would need to go back to XXXX. I thought maybe he didnt have good reception until he told me I would need to go in XXXX and purchase a special kind of card to put the money from my credit cards on, then he would give me my money back. Then! I realized I had been scammed, XXXX XXXX XXXX screenshot the things Im sending you, deleted XXXX, sent XXXX a letter, contacted you to try and get my money back. 
I truly do not understand why you can not understand that I have been scammed and this person that used the email, XXXX and the other person that received the money from my account at XXXX have scammed me. It is very difficult for me to make ends meet as it is. I would never just give my money away. 

If you decide to decline my request again I would like the reason in writing so that I am able to explain it to the FBI. 

Respectfully XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

See the attached document ( s ) /letter.

16 CFR 313. Privacy of Consumer Financial Information ; 16 CFR 313.1 Purpose and Scope ; 16 CFR 313.7 Forms of Opt-Out Notice to Consumers ; Opt-out methods; 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

16 CFR 433.3 Exemption of sellers taking or receiving open-end consumer credit contracts before XX/XX/XXXX from requirements of 433.2 ( a ).

16 CFR 444.2 Unfair credit practices.

Privacy Act of 1974.
Product: Credit reporting or other personal consumer reports

Names and addresses on report I am not associated with and would like removed to maintain confusion
Product: Checking or savings account

On XX/XX/2023, I walked into the Citi branch on XXXX XXXXXXXX XXXX XXXX, NY XXXX to open a business checking account since there is a promotion for {$700.00} for new accounts. XXXX " XXXX '' XXXX was the business manager who helped open my account. She got various pieces of information wrong about the business as well as my personal information like social security number. The whole process was very disorganized. 

After account opening, I got an email on XX/XX/XXXX from XXXX saying backoffice needs more information, like a copy of my social security card. I immediately sent it back to her. Then she forwarded me more questions that back office had for her, like what kind of assets the account will own, where the funds are coming in. I gave her the information again. On XX/XX/2023, i asked for a status update on the account. No response from her. 

Same day i got an email from her saying the account was opened and gave me a few secure files containing my account number and information about the account. She assured me the ATM card will arrive next week. 

On XX/XX/2023, I deposited a check for XXXX USD to my account in branch at the XXXX XXXX branch in XXXX XXXX Received a receipt. 

On XX/XX/2023, I received my debit card but the name and business on the debit card was truncated. I could not activate my debit card with either my SSN or account number, so i emailed XXXX XXXX again. No response from her. She later asked me to call the fraud department which i did and the fraud department said my account is blocked because the business address is not the same as my personal address. Fraud department said my account will be closed in 30-60days. 

XX/XX/2023, XXXX XXXX said the fraud department said that there's no proof I own the XXXX, something which i have already provided documentation for previously with ownership documentations. So i resent it. On XX/XX/2023, I asked for a status update and no response from her. 

On XX/XX/2023, I resent a documented letter from my XXXX agent that proves I am the owner of the XXXX and resent it to her for reconsideration. No response from her. 

I called the fraud department again and they said my account has already been closed XX/XX/2023 and the money will be sent back to me by mail to the address listed after 30-45 calendar days from account close date. 

I waited until XX/XX/2023 to call the fraud department to check the status of my check return. They said that the amount on the account is not due to me anymore and to get back the funds I will need to tell my check issuing bank to file a claim. 

I called Citi 's executive response unit for advice regarding the account and have no received any information on how to receive my check.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my account was restricted. The company asked for information to unlock my account. I provided the information on XX/XX/scrub> 2024. However, in subsequent attempts to contact the company no one has responded. My account is still restricted, and I can not access my skrill debit card or funds.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm writing you today to dispute negativity on my credit report. The following accounts listed below do not belong to me and need to be deleted or blocked.In the statue I noticed you require documentation. I contacted my local law enforcement office and they informed me they no longer report these crimes. They instructed me to go to the website identitytheft.gov & fill out a report online. I was also instructed to inform my bank. My bank is fully aware of this issue & has agreed to remove the items but need you to assist in the process. I'm including these reports in my letter to help substantiate my claim. 
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: 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 XXXX XXXX XXXX. The accounts below have violated mi rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX  ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse tem of information, other than records of convictions of crimes which antedates the report by more than XXXX ycars. XXXXXXXX XXXX XXXX XXXX A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the inquiries below : 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: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX/XXXX/2023 XXXX XX/XX/XXXX2023 XXXX XX/XX/XXXX XXXX XXXX/XXXX/2023 XXXX XXXX  XXXX/XXXX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX {$670.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Americollect is continually reporting an entry on my report that they are unable to validate. On numerous occasions ( see attached ), I have requested debt validation from them and they are yet to provide. In their most recent communication, they provided a mere typewritten statement that was not letterhead. In my most recent communication with Americollect, I requested they provide a copy of the financial responsibility page, provide a copy of my signature with the provider of service to release my medical information to them, and to cease any credit bureau reporting until the debt has been validated by me ; to date, to no avail. The mere fabrication of an invoice from them as well as the copy that reflects XXXX is insufficient in justifying that this alleged debt belongs to me. Being that Americollect has nothing to substantiate their erroneous, inaccurate reporting, this entry must be deleted from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

These bureaus has over 50 hard inquiries to my consumer credit report. These inquires are not tied to any open accounts that I have and I do not recollect any of them. Experian will not remove any of the inquiries and they are causing me hardship and severe damage to my personal and business life. My home life is grossly effected and causing a great deal of harm to me and my family. This is identity theft and per 15 U.S. Code 1681c-2 they have to be removed. Pursuant to 15 U.S. Code 1681b this is not a permissible
Product: Credit card or prepaid card

OnXX/XX/XXXX at XXXX, I received a text msg from citibank fraud dept. that they allow a transaction from XXXX with the amount approximately of XXXX and XXXX. I immediately replied " NO '' and called them right away. They cancelled the card and reported it stolen. But they rollover the said transactions on the new card. Now, amounting to about XXXX and XXXX. I disputed the transactions again on XX/XX/XXXX.  Which they resolved. But nowXX/XX/XXXX, the XXXX transactions showed on my account again but went up to XXXX and XXXX. I don't have a XXXX app nor have I used XXXX as a transport. I called them and they cancelled the card right away. I don't know what to do at this point it looks like they've been ignoring my complaint. I already informed them to block any transactions from XXXX when I called them last XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX, part of Pinnacle Credit Services , LLC is attempting to collect on a debt that falls outside of the legal time line to collect. I do not acknowledge this debt and have no knowledge of it.