23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

15 US. CODE 1681-2 XXXX consumer report an agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an illegal identity Theft not later than four business days after the date of receipt theft please delete this account as soon as possible ( Lending point LLC )! It has been 30 days and you are in violation of this law because I am a victim of identity DEF please delete this account as soon as possible These accounts should not be furnished all my consumers report is they are in violation under code 15 US CODE 2681b- permissible purpose of consumer report ( a ) in general subject two subsection ( c ) any consumer report an agency may furnished A consumers report under the following circumstance and no other ( 2 ) in accordance with the written instructions of the consumer to whom it may relates I never gave any consumer report and agency written consent to report anything or my consumer report which violates my rights as a federal protected consumer.No CONSENT IS IDENTITYTHEFT. As a consumer I am demanding the deletion of the account listed immediately ( leading point LLC )
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my previous conversation with Equifax in XX/XX/2023, Equifax requested that I resubmit my complaint with a new FTC report. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account under my social security number as XXXX. I have no knowledge of this account, and they are reporting that I have an unpaid auto loan with a {$19000.00} balance. 

The account also does not have any contact info regarding who the car loan is from, and there is no way for me to reach them by phone, email or mail based on Experian 's reporting. 

Companies are required by law to investigate disputed information. Being that there is not a valid form of contact under this negative tradeline, or a valid account name being reported I can not exercise my rights afforded to me under federal law to dispute this account. If Experian does not have any valid information regarding who the creditor is, or where they are located, it is impossible for them to complete a fair investigation into my dispute. 

Experian is in violation of the Fair Credit Reporting Act 15 USC, and if they do not delete this negative tradeline from my credit report I will use all legal remedies that are available to me against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get a late reporting removed from my credit on an account that was paid in full 4 years ago, XX/XX/XXXX with BB & T with a high balance of {$59000.00}. I have made numerous calls to them directly, letters, and disputes with credit agencies.
Product: Credit reporting or other personal consumer reports

As I look across my credit report I notice some inaccurate information ; Under the Fair Credit Reporting Act Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them removed and havent received a response. 


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

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This is causing XXXX XXXX, Defamation of character and also I can't even attain a job. During this crises I can't even obtain a sba loan for my company as well as a place to buy in my name to stay. Applying for credit has be the most humiliating thing I've experienced.
Product: Credit reporting or other personal consumer reports

I am sending to dispute late payment entries that appear on my credit report for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} The report indicates that late payments were made on these accounts. However, I have reviewed my records and can confirm that all payments were made on time. I am requesting that the late payment markings on these accounts be updated to reflect my accurate payment history. 
If there is any confusion or if additional information is required to resolve this issue, I suggest you contact me directly or reach out to the customer service department
Product: Credit card or prepaid card

I have an Ulta XXXX Rewards MasterCard where every purchase I make, I am entitled to earn Ulta points for cash back on products directly in their store. 

After each months billing statement closes, the points are processed and uploaded to my rewards account. 

This usually occurs on or around the XXXX of each month, as my billing closing date is usually around the XXXX or so. 

For the Month of XX/XX/2022, Comenity Bank/Ulta XXXX Rewards MasterCard has failed to provide me with the points I have earned.

I called the rewards center and they lied to me and told me it was because my bill was not paid. This is a bald face lie. I actually make very large payments, and bi weekly on my own accord. Payments had been made on this account, and the statement isn't even due until around XX/XX/XXXX or so. 

I was then told it was because my card was cancelled, which is also a lie. There was fraud on the card # that was issued to me, I called and reported it, they cancelled that specific card number, and are supposedly issuing me a new one, my card and account has always been in good standing. 

So the rewards center had me call back the credit card number of XXXX again. 
The rep on this call stated to me " the point system is broken and we don't know when it will be back up. '' I earned those points and I want them issued in accordance with the contract I signed. I adhere to my contract and all payments are made. I have the right to those points, and that is what I use to shop for necessities for hair and body care items. 

They have falsely misled me by saying my points will be available and I've been harmed by their lies and illegitimate practice. 

They can manually add my points up and get them to my account
Product: Credit reporting or other personal consumer reports

Company has reported c/o every month since 2022.

Under the Fair Credit Reporting Act ( FCRA ), a company can only report a charge-off once for an account. After the charge-off status is initially reported, the creditor is required to update the account status if there are any changes ( such as a payment, settlement, or if the debt is discharged through bankruptcy ). The company can not report a charge-off repeatedly for the same account on a monthly basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous amounts of letters disputing the following accounts below to the credit reporting agency listed over the last 9 months. They have yet to remove the items from my credit file even though I have provided them with supporting document that the accounts are inaccurate and don't belong to me. 

XXXX XXXX- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the following companies listed below have violated my rights as a consumer. 

1. XXXX  XXXX XXXX XX/XX/XXXX {$0.00} 2. XXXX  XXXX XXXX XX/XX/XXXX {$0.00} 3. XXXX XXXX XXXX XX/XX/XXXX {$0.00} 1. XXXXXXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/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 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following account are reporting inaccurate balances, dates open and closed, and some not reporting good payment history. There are duplicate account, and the same account reflecting different information on each bureau. Most accounts were part of litigation and should not have been reporting on my file. 
XXXX XXXX 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 writing to DISPUTE the following archives that your company supplied to one or more CRAs.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, proper adhering of Federal and state reporting laws and or proficiency in your even extremely compliant adhering to the mandatorily practiced credit reporting industrys behaviors namely the XXXX own XXXXdetailed XXXX Formatted reporting without deviation ( s ), errors, nor omissions oflegitimate documented compilations that else better ensure integrity of asseverations made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which may have NOT been satisfied or suitably maintained. I further necessitate, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably reverential reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are Absolutely passable to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was also reported to the federal trade commission.

Also, I have enclosed the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete these items.

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer agency can not furnish an account without written instructions.

15 U.S. Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.

I never gave any consumer report and agency WRITTEN CONSENT to report anything on my consumer report that violates my right as a federally protected consumer.

NO CONSENT IS IDENTITY THEFT as a consumer I am demanding the deletion of the accounts listed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT, THIS IS A NEW COMPLAINT WITH NEW SUPPORTING DOCUMENTATION XXXX is reporting from XX/XX/17 through XX/XX/17 that I was up to 120 days late on my mortgage. I was in a TRIAL MODIFICATION PROGRAM. Due to the overwhelmed XXXX XXXX XXXX, my trail period was extended a few times. XXXX provided the letter that it was modified and sold as current and paid. BUT on my credit report, they have reported me as late. 

This is against Federal Law, and you will see attached my supporting documentation of this,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts are still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX )
Product: Payday loan, title loan, or personal loan

XXXX of TMX Finance LLC, TitleMax based out of XXXX, XXXX has failed and refused to perform fiduciary duty after given proper endorsements and instructions for account setoff. My XXXX XXXX XXXX has been wrongfully repossessed and is currently being set for auction at XXXX located XXXX XXXX XXXX XXXX. XXXX, SC XXXX on XX/XX/2023. Endorsement was sent to corporation via certified mail on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Claim number [ XXXX ] was filed with the FDIC on XX/XX/2023. Claim number [ XXXX ] was filed with the XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute a chapter XXXX bankruptcy for the last 7 years with all three credit berraus and even XXXX and nothing has been resolved. It was taken of off XXXX  XX/XX/XXXXbut its still showing on XXXX and trans union. I am trying to have a fresh start and its not right these XXXX XXXX and the credit bearus make it so hard to get a bankruptcy off even when it said it may stay on your credit. It doesnt have to. I was advised us bankruptcy courts dont supply information to them. They are purchased through XXXX XXXX. Please try to assist in getting the bankruptcy off because its been very difficult to get my finances back and running.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2016 Capital One Auto Finance recieved a lump sum check and additional payments to pay my account in full from a total loss accident on the finances XXXX XXXX. 

After all amounts due were paid, COAF, without sending proof, sent a demand for another {$130.00}. I called and requested proof of the debt, an amortization schedule, record of how the payments were posted to prove indeed I owed the remaining amount. They did not then nor have they since ever provided this proof. 
They then charged off the XXXX dollars and have since sent the about to collections, and I asked the subsequent collection agencies for proof of the debt, the payment record, anything showing how they came to this final amount despite the previously provided balance payoff/payment amounts. 
Furthermore by continuing to send this to collections agencies, they are now violating the State of FL statute of limitations on written promissory notes of 4 years, and are still reporting this unproven debt as " Passed Due '' If they can't even be bothered to furnish the proof of debt, how can they continue to negatively report on my credit. It should be corrected retroactively to XXXX of 2016 to paid as agreed and paid in full, NOT delinquent and charged off. 

I have disputed this by phone, mail, with the three agencies, with COAF, as well as the collection agencies they kept shifting it to no less than 15 times. No one has ever just provided the proof by mail. 
I'm fed up that they have no responsibility to prove the debt and proper payment posting, but are ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit cards that had fraudulent activity in them I didnt know because my daughter purse was stolen with her phone as well I reported this to all of my credit cards and none of the have gotten back to me they shut off all my cards witch what happened wasnt my fault and I reported this to XXXX  XXXX, 3 cards there XXXX, XXXX, XXXX, these card companies have closed all my cards after I reported they were stolen they didnt reissue them back to me and on my credit re XXXX posted them as closed this can hurt my credit as well as all 3 reports show different things on the and amounts they also have been running my credit over and over so I have so many hard inquiries on my report I would like this matter looked into immediately and fixed soon as possible
Product: Vehicle loan or lease

Around XX/XX/2021 I logged into my account and found that it erroneously reflected that it 90+ days past due. I immediately reached out to the finance company in an effort to get this corrected. I was informed that they had recently undergone a system update which caused multiple accounts to reflect incorrect information. I was assured that this would be resolved with out any affect on my credit. Approximately a week and a half later I received a credit monitoring alert informing me that the account has reported delinquent. i have followed up multiple times both via phone and email. I was repeatedly assured that this was THEIR ERROR and would be fixed. I have not heard from Regional Acceptance. Any communication was initiated by me.I was told by someone who identified himself as a collections manager that if I would file a dispute with the credit bureau, they would see that the information was corrected. I filed a dispute and at the end of the investigation the dispute result reflected no change. They have finally corrected the issue in there system but the erroneous credit report still remains unresolved.