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

Subject : Request for Removal of Inaccurate Late Payment - XXXX XXXX  To Whom It May Concern, I am writing to formally dispute an inaccurately reported late payment by XXXX XXXX on my credit report. This reporting does not comply with federal guidelines under the Fair Credit Reporting Act ( FCRA ) and related regulations. 
Under 15 U.S.C. 1681a ( 2 ) ( xi ), creditors are obligated to ensure that all information reported to credit agencies is accurate and fair. Additionally, 15 U.S.C. 1666b mandates that billing statements must be sent at least 14 days prior to the payment due date, allowing sufficient time for payment processing.

Further, 12 CFR 1026.13 ( Regulation Z ) outlines billing error resolution procedures requiring prompt investigation and correction of reporting inaccuracies. 
Given the above legal requirements, I am requesting the immediate removal of this negative mark from my credit report. This action is necessary to ensure compliance with federal regulations and to prevent further harm to my credit profile. 
Please confirm in writing once the negative remark has been removed, in accordance with the timelines mandated by federal law. 
Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

Sincerely, 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

I've been planning to buy a house soon and when I looked at my credit report I noticed lots of fraudulent credit inquiries & inaccurate names on my credit report. I instantly disputed it and I haven't received any about this matter from them.
Product: Credit reporting or other personal consumer reports

I tried creating an Experian account in XXXX, XXXX, 2024, but when I did, I got this message : Experian is committed to protecting your personal information. Unfortunately, we have not been able to properly identify you from the information provided.

Please note that your order has been canceled. If you continue to have issues, please contact Customer Care at XXXX. 

I tried contacting customer care, but it just gives me an automated system that say to the website, which I dont find any useful information in.

I attempted to create an account again today, XX/XX/year>2024, which the same thing happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my Experian credit report, I noticed credit inquiries that I did not authorize made by the following companies listed below. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the FAIR CREDIT REPORTING ACT SECTION 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Please remove these inquiries from my credit report immediately.
Product: Credit reporting

These inquiries should not have been made to my credit report. I have attached emails and letters from bank as proof I dint authorize. 


XXXX XX/XX/XXXX XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX Automobile Dealers, New XXXX, I XX/XX/XXXX XX/XX/2019 Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XXXX Auto Financing XXXX XXXX XXXX All Banks XXXX XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX XXXX. 




XXXX XXXX XXXX XXXX. 




XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX All Banks XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX partial acct. no.XXXX is appearing on EQUIFAX and XXXX  credit bureaus as an unpaid charge off.XXXX has previously deleted.

The problem stems from the fact that the car is a lemon.XXXX  and I were previously involved in litigation of this .Since I'M NOT PAYING FOR THE CAR, DON'T WANT IT, I WOULD ASSUME THAT XXXX WOULD REPO THE CAR ... I WOULD GLADLY VOLUNTARILY SURRENDER THE CAR IF IT WOULD RID THE XXXX DEBT, but I don't want the car and neither does XXXX  , but they want me to pay for the car or they destroy my credit.I believe that the original contract is in full force and effect and not changed or modified by any of our dealings.. ... and would call for XXXX  to reclaim their security ... .and credit the value of the car ... and any balance left I would be responsible for.

BUT IT APPEARS THAT XXXX THINKS THE CAR HAS NO VALUE BUT THEY WANT ME TO PAY FOR IT AS IF IT DID.
Product: Credit card or prepaid card

My wife tried to book our honeymoon to XXXX XXXX thru American Express Travel. They booked to XXXX XXXX XXXX and attempted to arrange travel. AMEX Travel was unable to book flights with reasonable layover. My wife instructed them to cancel the trip. On my XX/XX/XXXX AMEX statement I received a charge of {$11000.00} for the hotel. I called AMEX and they said we were inside the 30 day cancellation date and there were no refunds. I told AMWX that we would go on the trip if they could arrange airline travel. They said they would investigate it, but it could take several months. The XXXX XXXX did refund 50 % of the charge or XXXX. The reservation dates came and went. several months later they said they would not reverse the charges. I cancelled my AmEx card after 30 years. They continue to call me regarding payment. AmEx should take responsibility for the mistakes of their sister company AmEx Travel. They are policing themselves and trying to make me pay for something I didn't receive and was their mistake.
Product: Debt collection

XXXX FAILED TO FURNISH 30 DAY NOTICE, VALIDATION AND WENT ON CREDIT REPORT ANYWAY.IGNORED CEASE AND DESIST AND AND DON'T CALL ORDERS CALLED MY FAMINLT 11 TIMES ON CELL (GOT PROOF).
Product: Checking or savings account

On XXXX, XX/XX/2023, the balance on my checking account ( all pending transactions accounted for ) was about {$940.00}. In the afternoon on the same day, I used my debit card to make a purchase for {$45.00} at my local supermarket. When I checked my balance about an hour later, the balance on the checking account was about {$410.00}. Based on my basic math and arithmetic skills, a {$45.00} transaction can not bring down a balance by {$470.00}. I said to myself, let me give Citibank ( the bank I use for my checking account ) a few days to post this " invisible transaction '' that lowered my balance to {$470.00}. I called Citibank yesterday ( XX/XX/2023 ) 3 times ; the first 2 times the calls get mysteriously drop when I am explaining the situation to them. As of today, XX/XX/2023, the {$470.00} is still mysteriously gone from my account with no corresponding transaction. The money just vanished into thin air and Citibank can not provide an explanation as to why the money is missing. I have printed all recent statements and also printed a list of recent transactions to support my claim. Keep in mind that Citibank has a habit of " ghosting '' funds from my account prior to the statement closing date. They " take '' their bank fees at least 5 days before the statement closing date. Those funds would be missing from the account without any corresponding transaction. Monthly service fees range from $ XXXX, so I let all these small invisible transactions go away without filing a complaint. But this {$470.00} invisible transaction has made me miss my rent payment which was due yesterday. This is how Citibank treat XXXX  who patronize their bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed innacurate accounts reported by your company in the file you maintain Under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XX/XX/XXXX 
Please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX are currently violating my consumer rights by improperly utilizing confidential information contained in my credit file without my expressed written consent. Furthermore they are reporting inaccurate information thereby defaming my reputation, their actions continue to negatively impact my ability to engage in commerce. They continue to violate my privacy rights and are failing to assure the maximum possible confidentiality, accuracy, relevancy and proper utilization of my consumer information. I am aware that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I am also aware that consumers have rights to privacy and the invasion of privacy laws and statutes have been enacted to prohibit conversion and unauthorized use of consumers information from being utilized improperly or made public, without their explicit consent pursuant to 15 USC 1681 ( a ) ( 4 ), and according to FCRA unverifiable and unauthorized account must be removed.
Product: Vehicle loan or lease

I didnt not authorize this loan and when I tried to contact the company drive here is closed down and turn into XXXX
Product: Student loan

Have made all payments but its insanely high. They refuse to lower and interest builds at alarming rate. Its a black hole.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 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 XXXXXXXX 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

Here is what I sent : Dear Sir : You need take all of the following off my credit report. It is required by law to eliminate after 6 years ( Colorado ). Needs to be removed from credit report / much misinformation as shown below / 6 years past communication with creditor per Colorado statute : XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX All payment stopped / never made - XX/XX/XXXX ( Past 6 years ) XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX Payment stopped XXXX, XXXX ( Past 6 years ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Missed payment / XXXX XXXX XXXX Past 6 years ) XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX Payment stopped XXXX XXXX XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX All payments stopped XXXX, XXXX ( Past 6 years ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Missed payments All Payment stopped XXXX XXXX, XXXX ( Past 6 year ) XXXX XXXX XXXX, XXXX XXXX Missed payments All payments stopped XXXX XXXX, XXXX ( Past 6 years ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missed payments All payments stopped XXXX XXXX, XXXX ( Past 6 year ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missed payment All payments stopped as of XXXX XXXX, XXXX XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX Missed payments All payments stopped as of XXXX, XXXX ( Past 6 year ) XXXX XXXX XXXX, XXXX XXXX Missed payments All Payments stopped as of XXXX XXXX, XXXX ( past 6 years ) This is the second request. Respond to my request. 
Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX , XXXX XXXX, Co XXXXPrevious address : XXXX XXXX XXXX XXXX, XXXX XXXX, Co XXXXMost if not all of this issue is 7 years or older. Also live in Colorado and I understand it is 6 years for things to be removed. I have not talked to or made any agreements with any bank or organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXXXXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2022 ( XX/XX/2022 ). If this inquiry is not removed, I will hold XXXX  criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see the following dispute notice on my credit report : " The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security Administration. ''  I do NOT remember giving Experian any issue date of the social security number in the past, and my social security number is valid as of right now. I'm willing to provide the issue date again, but bottom line is this dispute notice should go away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Immediate deletion of all disputed accounts from my TransUnion credit report because they have not been properly verified.

An investigation by the CFPB into TransUnions practices and failure to comply with the Fair Credit Reporting Act. 

Compensation for any damages caused by the inaccurate and unverifiable reporting.
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ) THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I dis not uthorize these account and can not find any permissible purpose under this section that justifies their presence on my report, ACCOUNT XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

My debit account was compromised. I had a pending transaction for my rent on the XXXX of XXXX. Someone got into my account and made a provisional claim for the rent transaction that I sent. Whoever was in my account took the provisional claim on my rent money to send all of my rent through XXXX under my name. I did not authorize any of these payments. Now my rent payment has been reversed and I am late for rent and up for eviction by the XXXX of XXXX. I have asked Wells Fargo my bank to cancel any XXXX payments made through my account but they are saying it will take 10 business days to process claims. I have talked to so many unhelpful customer service representatives with Wells Fargo that are doing nothing. As of the first I have my rent paid, now Im up for eviction because a hacker reversed my rent payment and stole my rent. Wells Fargo has done nothing to aid this situation.
Product: Debt collection

XXXX XXXX XXXX said in print my account # XXXX for phone # XXXX was 'month to month ' on their billing site. Haven't had a contract in over 10 years. XX/XX/XXXX changed carrier. No place on billing site to say " stop service ''. XXXX XXXX XXXX continued to charge me a monthly fee even tho there was NO activity on my account. They sent emails, but i thought they were ads to induce me to stay a customer, as my account said it was MONTH TO MONTH. Assumed that means if you don't pay, you don't have an account. I did not realize the account was accruing monthly usage fees ( FOR NO USAGE ) until they sent a collections letter in XX/XX/XXXX. XXXX XXXX XXXX says a " pay as you go '' account is the only account stopped if the next monthly payment is not received, and that my " month to month '' account can not be stopped simply by no payment and no activity. There is NO WAY on billing page to stop service. XXXX XXXX XXXX 's service personnel confirmed that. Also said they could not get into my account b/c it had already been sent to collections. Called phone # on letter from XXXX XXXX XXXX, they gave me collections # which is GATESTONE XXXX which is connected with spurious business practices re collections. I offered Gatestone $ XXXX/month to pay off this ridiculous charge. Gatestone threatened me with immediate credit ruination if i did not pay $ 63/XXXX. XXXX XXXX XXXX uses DECEPTIVE BUSINESS PRACTICES as well as a spurious collection agency to collect these unearned fees.