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

Attached are 2 pages from XXXX XXXX XXXX XXXX, showing a two page  customer account activity statement ( caas ) showing ZERO late charges against our account in XX/XX/XXXX. The Credit Agencies show late payment charges fromXX/XX/XXXXfor ten months, these are wrong and need to be urgently removed from our Credit Reports The caas shows zero late charges in XX/XX/XXXX. It also shows any late charges prior to XX/XX/XXXX were waived, in settlement by XXXX. Such late charges were made at a time when XXXX, under old XXXX XXXX XXXX, were unfairly making false charges aginst their own customers. In fact there was only one initial occurrence of a late charge when l was XXXX XXXX and in XXXX XXXX. After that ongoing XXXX of XXXX XXXX stopped me from working., However we never fell behind after the one occurrence. We paid on time every month thereafter.We argued this with XXXX and they refunded all late charges XX/XX/XXXX. Credit Agency/s are wrong and unfair in PERPETUATING these refunded charges made prior to XX/XX/XXXX. The TWO key issues are ; 1 ) XXXX confirmed no late charges were posted to our mortgage account in XX/XX/XXXX. The credit agency/s must remove all late charges from my account in XX/XX/XXXX ... .as there were no late charges. These incorrect XX/XX/XXXX reports are stopping us from buying a new house. We have been told by other mortgage banks, no loans will be extended to us till the end of XX/XX/XXXX, because of this error in credit reports. This may stop us from ever buying a house, because the costs in an apartment are drawing down our deposit savings. The Credit Agencies must do this urgently, as every day they delay they hurt us considerably, At XXXX we do n't have the time, nor the savings account balance, to sustain further delay. We have always paid our taxes and been good citizens. We have been XXXX XXXX for many years. 2 ) The 'caas ' shows ALL late payments charged prior to XX/XX/XXXXwere removed from our XXXX account. XXXX credited late payments back to us on XX/XX/XXXX.
Product: Debt collection

XX/XX/2016 A credit collection company was collecting for a balance @ XXXX XXXX which I disputed and was actually settled for {$1500.00} with collection agency due to the fact they could not provide back up only saying I owed the debt to XXXX XXXX {$450.00} They removed the debt then they sold to the current collection company and back on my credit report. 
Reach out to Credence Collection Company to try and explain the situation was told that I owed the debt - they did NOT have to provide back up to the debt I owe but I owe it. 
I have turned this over in 2016 to XXXX XXXX fraud department - and a not to mention I am a CURRENT XXXX  XXXX customer This is ridiculous that collection agency can continue to purchase a debt that was fraud and already removed not to mention to continue to collect which resulted in a settlement of {$1500.00}
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 i went to XXXX XXXX  to open a credit card and they submitted my application and request came back that XXXX  credit agency was frozen. banker asked me to call XXXX  at the following number XXXX to have the freeze released. when you call they give, you two options to release the freeze 1- create XXXX  acct XXXX or option 2 send letter to XXXX i, chose option one and opened an XXXX acct online. i released the freeze and the next day i called my banker to let them know i had done so that is when the banker told me that i now had to use TRansunion to order credit report. transunion was also frozen so on XX/XX/2023 i called the number provided from XXXX XXXX for transunion and could not get customer service individual to help only automated service.i decided to open an online account for www.transunion.com and i provided confidential information including social security number, date of birth, full address and telephone number. when i hit enter button a pop up screen appeared asking me to give consent for transunion to pull credit on my behalf and i clicked yes.when i hit enter and went to the site all applications like freeze account was not available nor were any other choices on their site were also temporarily unavailable.I called the number for transunion and when i did there was a clunking sound on the phone and a very unprofessional woman answered with child crying in the background who said she could authenticate me with 5 questions to unlock freeze and no PIN required and she released the freeze.then XXXX ordered credit on XX/XX/2023 and credit card was approved, then I received 2 copies in 2 seperate envelopes of my credit report from transunion in the mail on XX/XX/2023. the report dated XX/XX/2023 showed no inquiries but the report dated XX/XX/2023 showed an account review inquiry that had " my name via TransUnion Interactive In '' and ( phone number XXXX ) and this was requested two times on XX/XX/2023. On XX/XX/2023 received a report dated XX/XX/2023 from TransUnion showing another account review inquiry from XXXX ( phone number XXXX ) with two requests dated XXXX and XX/XX/2023. 
I did not make these requests and have contacted social security, filed a police report and am filing this report. As of today I have no idea what my credit was used for in the 4 requests that I have mentioned that I did not authorize. there are no valid contact numbers that I can locate for either of the companies that have submitted credit requests on my behalf.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts : XXXX XXXX XXXX Opened XX/XX/XXXX {$1800.00} XXXX XXXX XXXX. 
Opened XX/XX/XXXXXXXX  {$130.00} Unauthorized inquiries : 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 XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My information may have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C . 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA )
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times I have sent TransUnion disputes on the following inquiries and they have failed to properly investigate or look into the issue.     These inquiries are fraudulent and not mine.     *   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX  -  XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX   -  XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX   -  XXXX   XXXX ,  XXXX   XXXX   XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  I -  XXXX   XXXX ,  XXXX  *   XXXX   -  XXXX   XXXX ,  XXXX  *  XXXX  -  XXXX   XXXX ,  XXXX  *   XXXX   XXXX   XXXX   -   XXXX   XXXX    XXXX   XXXX   XXXX  -   XXXX     XXXX ,  XXXX  I have been a victim of True Name Identity Theft and they have more than sufficient amount of documentation to prove this. I have also attached the police report for these inquiries.
Product: Vehicle loan or lease

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which Ally Financial is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response regarding my request and they did not update the credit report as disputed. They sent me an automated letter instead. 

Ally Financial is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX  are reporting inaccurate information on my credit profile.
Product: Credit reporting or other personal consumer reports

Issue Type : Mortgage Credit Reporting and Servicing Explanation : I am filing this complaint regarding an inaccurate XXXX delinquency reported by XXXX XXXX XXXXXXXX for XX/XX/XXXX. The delinquency was caused by a confirmed banking error from my financial institution, XXXX XXXX, which delayed my payment. Despite providing documentation from XXXX XXXX  that clearly acknowledges their responsibility for the error, XXXX XXXX has refused to amend the derogatory credit reporting. 

Details of the Issue : My payment for XX/XX/XXXX, was processed by XXXX XXXX through their bill pay system. Due to a technical error on their end, the payment was delayed and not received by XXXX XXXX  until XX/XX/XXXX. 
XXXX Bank has issued a letter acknowledging the error and confirming that funds were available and intended to pay the mortgage on time. This letter was provided to XXXX XXXX  on XX/XX/XXXX. 
XXXX XXXX rejected my request to amend the credit report, citing that XXXX XXXX  is an " unauthorized third party '' and claiming they are unable to honor such requests under the Fair Credit Reporting Act ( FCRA ). 
I have attached the letter from XXXX XXXX, my payment history, and any relevant supporting documentation to demonstrate that the delinquency is not due to my actions or negligence.
Product: Money transfer, virtual currency, or money service

Credit card attached to Google Wallet : XXXX  XXXX XXXX XXXX Merchant : Google Wallet Virtual card : XXXX - XXXX Amount : {$1200.00} Date of refund : XX/XX/2016 A refund was issued by XXXX XXXX for amount of {$1200.00} through the XXXX XXXX  card associated with my Google wallet account. 
I have attempted to reach XXXX  XXXX XXXX, Google, XXXX and XXXX but unable to trace the money. 

XXXX have confirmed that the refund went through as they did not get a reject message. 

XXXX XXXX XXXX where I have a credit card have confirmed through printed statements that the money never reached my account. My credit card number had changed just before the refund but the bank assured me that my older card number was still linked to my account and any refunds will still reflect on my account. 

I also reached out to Google which is where XXXX posted the refund. They have been unable to locate the funds as well. My Google Wallet account at the time showed that it's linked to a virtual XXXX card which only Google has details on. They never confirmed if they checked with XXXX to see if the funds we actually received. I can provide email messages between me and Google if needed. 

I also contacted XXXX again and they recommended that I contact XXXX which I did. Unfortunately they were unable to provide any info on that virtual card as I do not own it. 

Therefore it appears to me that Google Wallet is the only missing link here and they are the ones who can be able to find out what actually happened in that transfer. I have attempted several times to reach Google but I always hit a brick wall. 

Please assist me in tracing this money. Let me know if you need more details.
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. 

XXXX Card : XXXX, XXXX Card : XXXX, XXXX Card : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXXXXXX : XXXX XXXXXXXX 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 other adverse item 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: Debt collection

A representative of G C Services contacted me, on my cell while I was at work, and stated that I was listed a reference and asked for the contact information for another person. I asked what it is was in reference to and she said she could not tell me. I then asked the name of the company, which she gave, and asked what type of company it was. She said that she could n't tell me. I then asked for their company 's web address and she provided me with an incorrect website. When I told her that was n't the correct website she provide me with a different website. At first I offered to pass along their number to my friend, but then told her that I would not pass along the message because she could n't tell me what I was listed as a reference on. She told me she could n't tell me or even what type of a company they were, but that I could look it up. I did exactly that out found out that they are a collection agency. I told her that she was using very deceptive calling practices when she implied that she was calling about a reference. I told her that they were a collection agency and that I was not authorized to give out any personal or work information. She then asked if I could pass her number along and ask my friend to contact her, which I again refused. I asked her to remove me from her calling list and to not contact me again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT ( S ) /ITEMS DELETION LETTER OF IDENTITY THEFT & FRAUD TRANSUNION ( IDENTITY THEFT & FRAUD ) VIOLATION FCRA XXXX XXXX XXXX XXXX  XXXX Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : THIS IS MY FINAL AND LAST WARNING!, IF THIS ACCOUNT KEEPS COMING BACK ONE MORE TIME, I WILL SUE YOU IN COURT! 

ON THE POLICE XXXX ATTACHED TO MY CASE, THE OFFICER CLEARLY STATES THATXXXX XXXX XXXX XXXX XXXXXXXX IS A FRAUD ACCOUNT IF YOU READ THE DOCUMENTATION ON POLICE REPORT! PLEASE AND FOR THE FINAL LAST TIME DELETE & BLOCK THIS ACCOUNT : XXXX XXXX XXXX XXXXXXXX XXXX. THIS ACCOUNT WAS ALREADY DELETED LAST MONTH OF XX/XX/XXXX BY TRANSUNION, THEN TRANSUNION LET THIS COMPANY REPORT ON MY CREDIT REPORT AGAIN XX/XX/XXXX WHICH IS ILLEGAL! AND MY RIGHTS HAVE BEEN VIOLATED!. AND DEFAMATION OF CHARACTER!. PLEASE STOP ALLOWING THIS FRAUDULENT IDENTITY THEFT ACCOUNT/COMPANY TO STOP REPORTING ON MY CREDIT REPORT. THIS ACCOUNT IS NOT ALLOWED TO REPORT ANYMORE, AND IS NOT MY ACCOUNT. 
THIS IS MY FINAL LETTER CONCERNING THIS ( FRAUD ACCOUNT ) BECAUSE OF IDENTITY THEFT, XXXX XXXX XXXX XXXX XXXX. *.I DEMAND THIS ACCOUNT BECOME DELETED OFF MY CREDIT REPORT! * Please remove this fraudulent item for the final time because of identity theft.. I'm demanding that this fraudulent account be removed blocked and deleted the final time permantly never to return or I will be forced to sue in the court of law!. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 
THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .does not belong to me. Delete & BLock immediately! 




Collection Account 1 : XXXX XXXX XXXX XXXX  Account Number : XXXX delete it from my credit report. 
Date Opened : XXXX XXXX XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history 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 to be updated.

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 p
ayment 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.

EQUIFAX 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! 


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

I have reported the inaccuracies to all 3 bureaus showing it is not consistent. On XX/XX/2020 and XX/XX/2020 XXXX XXXXXXXX XXXX  reported I was late 60 days both months to Equifax . The same company reported I was 30 days late both months to XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I entered into an unsecured loan with Aqua Finance of XXXX WI for the sale and installation of an inground pool. Aqua Finance determined that I didn't have enough equity in my home to qualify for a home equity line of credit for the project so the offered an unsecured revolving line of credit. In XX/XX/2019 without my cause and without notifying me Aqua Finance placed a lien on my home in XXXX XXXX Texas. Aqua Finance still continues to report the debt as an unsecured debt to the 3 major credit bureaus despite securing the debt with real estate. The loan should have converted to home equity line of credit allowing me to deduct the interest on the interest of loan. My former spouse is still on the title of the property she was not notified of a lien or judgement placed against her interest. This lien places my former spouse and I in an economic disadvantage regarding the ownership of our home.
Product: Credit reporting or other personal consumer reports

I have contacted transunion multiple times requesting that they investigate fraudulent accounts on my credit report. Transunion has sent me generic letters that are the exact letters that they have sent my wife stating that they believe that I am not the person that sent the documents and requested an investigation. After being on the phone on over XXXX separate occasions for over XXXX hours, Transunion still refuses to acknowledge my documents and will not conduct my investigation based on the reasons that I have requested. I am a victim of identity theft and the XXXX data breach. The information that I have listed in the letter attached along with my FTC report are inaccurate and I demand that they are removed. I have given transunion enough time to investigate and accept my documents and now they are in violation of my FRCA rights. I have attached my letter to transunion, my drivers license as proof of identification as well as my FTC report. My next recourses are to contact the attorney generals office as sue transunion for not willingly nor properly investigating my claims. They have also stated that they will not block the fraudulent items on my report in the generic letter that was sent to me. I demand that Transunion delete the items immediately and send an updated company of my accurate report.