23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I sent several letters via the the Unites States Postal Service to Transunion demanding appropriate documentation or removal of several inquiries to my credit report that I do not recall authorizing. It has been over 60 days since the letters were sent and I have recieved no correspondance, no proof of authorization and the disputed inquiries have remained on my credit report.
Product: Debt collection

Transworld Systems Incorporated contacted me on XXXX XXXX and stated that I still owed them {$9000.00}, but I was making payments to them every month for {$110.00}, they said I still owe 46 payments of {$110.00}, I agreed to the amount. I just want to know if I really owe that much back to them? Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the Equifax data breach. 

I want these Items deleted from my credit report effected immediately. I attach proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2023 XXXXXXXX XXXX Date of inquiry XX/XX/2023 XXXXXXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX number- XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Capital one reports a XXXX XXXX XXXX closed collections debt in error. This account should be deleted off of my credit report due to it being older than XXXX years and still being reported.
Product: Debt collection

SST has been trying to contact me daily and repeatedly stating i owe money. When i ask for documentation i am not provided with the info.
Product: Vehicle loan or lease

The company refused to provide me with statements over a long period of time. I was not aware of the finance fees or status of the account. This deceptive practice made I t made it very difficult to make payments causing a monetary injury. I filed multiple complaints and never received a follow up from the company. I assumed I had no rights due to there constant refusals. The car should be nearly paid off but the balance has gone nowhere because of those fees during that time frame in which I was denied.
Product: Checking or savings account

I pay my credit card each month in full to a credit union I have belonged to for years. Using the XXXX bill pay tool I always request payment at least XXXX to XXXX weeks ahead of required payment. Numerous times I receive an email from XXXX indicating they are paying the bill via check sent out through the mail. For a large back to rely on snail mail rather than electronic transfer is disturbing. For example I recently requested payment on XXXX XXXX, it is XXXX XXXX and payment still has not registered at the credit unit who holds my credit card. This event occurs only when I pay a large amount. I have had my card held a few times ( including this event ), incurred interest and penalties and likely have impact to my credit rating ( which was above XXXX in 2020 ). I have raised this issue with XXXX each time with no reply on why this process is in place. XXXX never divulged that this was the process when I first set up account and used bill pay tool. If I had know this I likely XXXX have gone elsewhere. I had no issues with my previous smaller credit unions, so I was unaware of this hidden process.
Product: Vehicle loan or lease

Regional acceptance still have on my credit showing late for 60 days but PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation. I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this letter. I am sending this letter certified mail, return receipt requested so that I will have documented confirmation of delivery. I will also send a copy of this to the CFPB. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Saturday, XX/XX/2021 - To make a Sevice appointment for my mother, I had to give my credit card number to the company - I told them at the time that they may not be allowed into the facility because of COVID. The charge showed up immediately as pending ( no surprise ). They said I would not be charged if I canceled. I immediately found out that they would not be allowed in and canceled the service call which was tentatively scheduled for one week later, Saturday, XX/XX/XXXX. I canceled by email, phone and chat, all confirmed I would not be charged. The charge went from pending to charge 4 days after canceling, on Wednesday, XX/XX/XXXX. Upon calling the service company, XXXX XXXX ( part of XXXX XXXX XXXX ), and my Citi Visa, I was informed I would not receive the credit for {$99.00} for 14 days! They are not disputing the credit, but it will take that long. I pay my credit card in full every month. It closes in the next couple of days, so, now I will be out {$99.00} or have to pay interest. My question/complaint is how a charge is allowed to hit immediately, but an undisputed credit is allowed to take 14 days?! Criminal! What a scam! Is it the service provider or the credit card company? This is not so much about the {$99.00} as the legality of this delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  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 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$570.00} Late/Closed XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX { Original Creditor : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Collection XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$890.00} XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) you are required by federal to verify- throuth the physical verification of the original signed consumer contract any and all accounts you must on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

( b ) 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have additional fraudulent inquiries that i have not authorized on my equifax report they are as follows XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

TransWorld Systems has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to urgently request your assistance in resolving a matter that has been causing me tremendous distress for over a year. A XXXXXXXX XXXX  account ( Account Number : XXXX ) has been fraudulently opened in my name and has been negatively affecting my credit report. This account was opened without my consent, and I have already filed a police report ( Report Number : XXXX ) detailing the fraudulent activity. 

Despite my repeated attempts to dispute this account with XXXX, XXXX, and Experian, the account remains on my credit report. My previous message regarding this matter has been ignored, causing me additional stress and frustration during an already challenging time. 

The persistence of this fraudulent account on my credit report has severely impacted my life, including my ability to find a place to live. I have previously requested the original contracts for the disputed items but have not received any response. I am now prepared to take legal action to resolve this matter if necessary. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I demand that this fraudulent account be removed from my credit report immediately. If you are unable to provide signed, original contracts correlating to the account in question, you must delete the items from my credit report. 

Once this investigation is complete, I kindly request an updated copy of my credit report. I have been under immense stress dealing with this issue for months, and I ask that you carefully review my case and provide a resolution where this account is deleted from my credit report. 

Thank you for your attention to this matter, and I look forward to a prompt and favorable resolution. 

Sincerely,
Product: Mortgage

Caliber Home Loans received my XX/XX/2023 payment from the haf program on XX/XX/2023. Caliber home loans did say it takes 40 days to process. I understood that because they are swamped with payments from haf. But what I dont understand is why caliber home loans cant tell the credit department in the same building that they are running behind with posting payments?? If you have a payment in the building why would you not communicate the truth? Why would caliber home loans allow such an erroneous situation to happen? I called 14 times! I was told a manager would call and that never happen. I was told they are merging with nex and they are reconstructing. I was hung up on by XXXX as soon as she heard my name. XXXX was so annoyed and short patience so often that I knew caliber was going to put a derogatory mark on my credit report with no regards to what it would do to me. Caliber home loans should be held accountable for the careless way they treat their customers.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

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

This is a formal complaint that XXXX, XXXX and Equifax are reporting inaccurate and incomplete information on my credit report. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. The notation of the following late payments is INACCURATE. I have notified each bureau in writing about the inaccuracy of information in my credit file. Under FEDERAL LAW the credit bureau must modify or remove inaccurate or incomplete information. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance, whether reported or not. 

Account : Dept. of Education/XXXX Account XXXX : XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number : ( XXXX ) XXXX For reference : All 16 accounts, the creditor reported XXXX XXXX " Current/Terms met '' ; XXXX XXXX " Past due 90 days ''. This is impossible and therefore inaccurate!!!! These INACCURATE accounts should not be furnished on my consumer report as they are in VIOLATION!! 

Please update all payment history for these accounts to XXXX  status ( Paid As Agreed, Never Late ) according to consumer protection laws or delete from credit report IMMEDIATELY.
Product: Debt collection

I tried making a dispute with the credit bureau about this account on my file. 
With no luck. I now turn to you to assist me validate this debt collector and any legal obligations I have to this account. 
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Debt Validation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX WA XXXX XXXX : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX AND 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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 AND XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian the attached letter on XXXX XXXX. Experian received it on XXXX XXXX. The certified mail tracking number is XXXX. Experian has defamed my character. Remove these accounts or I will bring legal action against Experian for defamation of character.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling all three reports from XXXX  and Equifax online around XXXX, 2019 and discovering that there were accounts I did not recognize and exercising my right under the Fair Credit Reporting Act to have accounts varied which are included in the wrote a letter about accounts that I wanted to be verified and sent it regular pre-paid mail. After pulling my report again to see if there were any changes are that the credit agencies may have placed on my report that the accounts were being disputed I saw no changes. Exercising my right I filed a lawsuit against the companies. Then finding more information I liked investigated such as accounts soft, hard inquiries and all accounts verified with written documentation around XX/XX/2019 sent certified mail this time. Although the accounts were quickly returned around XX/XX/2019 stating verified and putting them on notice of the XXXX letter which they claim they did not get they still did not provide to me the procedures and documentation proving to me that the information was 100 % percent verified. I have made several attempts to the attorneys of Equifax and XXXX  directly and informing them that I request the information. It appears that XXXX  does not feel they have to provide me with the information and also that it appears that both companies don't feel a duty to investigate and verify the companies that pulled my report. I have also been a victim of identity theft through Equifax XXXX  XXXX breach. I also have in court claims of defamation of character bureaus have been denied credit due to the information that should be removed under the Fair Credit Reporting Act for not being completely verified and also noot being timely within 30 days. Although a lawsuit is pending now I don't believe neither company should not withhold performing there duty and remove the information that was not verified completely and timely. I reserve the right to explain any additional claims I may and do have regarding this matter.
Product: Debt collection

XXXX debt collectors are trying to collect on the same debt XXXX provided verification of debt letters.
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 origin. Pursuant to XXXX XXXX, I request their removal within 15 days. I have attached relevant documents for your review and reference.