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

I have had an auto loan with XXXX XXXX XXXX for over 1 year. I am told by the company that they use a " XXXX party agency '' for reporting to both Equifax and XXXX. My Equifax report from the time I opened the account has not reported properly. The balance goes up and down for no reason. Equifax is reporting only XXXX  months of good payments and they are separated by XXXX months of no status, which should also show good payments. The account has been in good standing for over XXXX XXXX and over XXXX XXXX of payments have been made. My account and score would reflect positively if this account were report properly. The constant mis-reporting and incorrect information is taking its toll on my credit score. I have presented my Equifax report to XXXX XXXX XXXX and with them we identified that information showing was incorrect. As of today, XXXX/XXXX/XXXX, XXXX XXXX XXXX has confirmed that the balance shown my Equifax is again, incorrect according to their records. In addition, the " XXXX party agency '' that XXXX XXXX XXXX has hired, supposedly reports to XXXX. The account has never once shown up on my XXXX report. It has never reported to XXXX for over XXXX XXXX, since the account was opened. I am told by XXXX XXXX XXXX that they are in the process of reporting to XXXX as well. This has potential to create a great deal of damage to my report through more incorrect and inconsistent reporting.
Product: Credit reporting or other personal consumer reports

I discovered that I was a victim of identity fraud. An unauthorized person used my personal information to open a credit card account, apply for a loan, make unauthorized charges. 
I did not authorize these actions, and I have no connection to the accounts or transactions in question. I first became aware of the fraud when receiving an unexpected bill, and seeing an unfamiliar account on my credit report I immediately contacted the company, submitted a dispute to credit bureaus. I also placed a fraud alert and freezed my credit reports.

I would like the company to : 1. ReInvestigate and confirm that these accounts or transactions are fraudulent.

2. Remove any unauthorized accounts or charges.

3. Correct any negative impact on my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


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


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


XXXX XXXXXXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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


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


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the Credit Reporting Agencies have not been swayed by the evidence I have provided demonstrating that the  XXXX   XXXX   XXXX   XXXX   XXXX  has failed to comply with Federal Law in its handling of the debt assigned to it by  XXXX   XXXX   XXXX  that the debt is therefore invalid and to remove it from my credit file accordingly, I am now following up with additional documentation proving that t he Collection Agency & Creditor hav e also failed to comply with Florida Statutes, thereby further invalidating the debt. According to Florida  Statute 83.49 ( 3 ) ( a )   ( www.leg.state.fl.us ) :  " Upon the vacating of the premises for termination of the lease, if the landlord does not intend to impose a claim on the security deposit, the landlord shall have 15 days to return the security deposit together with interest if otherwise required, or the landlord shall have 30 days to give the tenant written notice by certified mail to the tenants last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim ... .If the landlord fails to give the required notice within the  30-day p eriod, he or she forfeits the right to impose a claim upon the security deposit and  may  not seek a setoff against the deposit but  may  file an action for damages after return of the deposit. '' As indicated in the attached official Confirmation of my address change from the United States Postal Service, my mail was forwarded from the address specified in the fraudulent itemized bill from  XXXX   XXXX   XXXX  as of  X/XX/2016   . Moreover, I was signed up for automated notification of any mail sent to me that might include tracking information, as is the case with Certified Mail, until after I moved to my new apartment in  XXXX  of  2016. He nce, if the creditor had indeed fulfilled its obligations under Florida Statutes to send notification to my last known address of its intent to impose a claim on my deposit via Certified Mail, I would have either received the notice at the residence specified in my  USPS  change of address Confirmation ( my grandmothers ) or I would have have been notified about it by the USPS via text and email.
Product: Debt collection

XXXX XXXX has sent me a notice to collect a debt in the amount of {$550.00}. This collection agency is not licensed for business in Texas, nor are they registered with the Texas XXXX of XXXX ; therefore can not attempt to collect a debt.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Could you kindly review the paperwork? Several of the mentioned accounts exhibit inaccuracies in terms of reporting
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency.
Product: Checking or savings account

Contact to CITI about an ACH that was deposited in error. Requesting funds to be sent to sender/originator. Citibank refused initiate dispute or corrective action regarding ACH {$6200.00} amt XX/XX/year> Funds sent in error
Product: Debt collection

on XX/XX/2019 RECEIVABLES PERFORMANCE had placed a collection account on my credit report for {$12000.00}, as original creditors are XXXX, which I never made any business with XXXX at all, I have called them on the same day to figure out what's this about, they gave me the wrong social security number does not even belong to me, and I have asked about any paperwork from XXXX to be sent to me but they refused to even discuss that and she hung up the phone soon I start to ask about my right to get any paperwork from them or from the original creditors, I have called them a few times after asking for the same thing and they still refuse even to talk to me, that's illegal act and it's destroying my financial life I made contact with the original creditor ( XXXX ) they gave me wrong personal information about who has the account such as social security number, address when I called the collection company again to tell them about what happened with XXXX, that's they reported to the wrong person they hung up the phone
Product: Mortgage

Wells Fargo foreclosed and sold our home at sheriffs sale despite the fact we were not delinquent - apparently due to the results of a class action resolution they undertook with the Justice Department related to " pick-a-payment '' financing by XXXX, our original lender. Despite our being aged almost XXXX, my wife suffering from XXXX, after full compliance with all of their demands, we were strung along with a myriad of, what they later described as " mistakes ''. These would include, but not be limited to : 1 ) failure to refund to us, some {$16000.00} of hold back funds when required work was completed, 2 ) a Sheriff 's Sale of our home when we were not delinquent, 3 ) Post said sale, revealing that we had XXXX dollars of credits posted to Escrow " suspense '' and " unapplied '' accounts ( said monies not listed in paperwork leading up to the sale ), 4 ) Stringing us along for almost three years during which we received phone calls and letters asking us to be patient and that they needed a little more time to resolve the mess, 5 ) Advising us by letter that the loan was paid off with no balance remaining, 6 ) Advising us that they were sending a Deed which we needed to refinance this and adjoining properties ( which was never sent us ) 7 ) At one stage, requiring us to sign a loan modification, " ... to get the settlement process working ... '', whereon they did not sign their portion, nor send any clarification of status until well after they had communicated in several ways that our loan was paid off. Subsequently, almost two years later, a copy of the completed/signed by them " agreement was sent us, and they started demanding payments, 8 ) When we wrote asking for clarification and providing them with evidence of the communication to us that following adjustments, we owed no money, they again strung us along with phone calls and letters advising they were researching the matter, and expected resolution within the next several weeks, 9 ) Despite these assurances that they were working toward a resolution ( and still so claim ), they again commenced foreclosure ( bear in mind we have yet to receive a deed which shows the property to be in our name ), the date of said sale is scheduled for XXXX/XXXX/16. In light of the other shenanigans that they are involved in, are others suffering such as we are? This matter appears to be clearly beyond our ability to deal with what appears to be a predatory ( admittedly cordial but with devastating results of our continued patience that they request ) action against folk that the Bank has extensive data as to the damages we have and continue to suffer. HELP!
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to several multi-layered scam operations run XXXX XXXX and XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX ( almost XXXX EUR at the time ) from my Coinbase account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

send XX/XX/2022 Hello to whom it may concern, I have contacted the credit bureaus to do a verification of my credit report by mail. They responded within a couple weeks. 
They said they conducted their investigation and updated all information and that everything was accurate. After their investigation I went ahead and researched myself and discovered improper inaccuracies even after they did their investigation. 



In accordance to the Fair Credit Reporting act XXXX Account # 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 The following accounts have huge discrepancies. 



1. XXXX XXXX XXXX XXXX XXXXHigh Credit is inconsistent Last Reported is inconsistent Date Last Active is inconsistent Date of Last Payment is inconsistent 2. XXXX XXXX XXXX -Date Opened is inconsistent -High Credit is inconsistent -Credit Limit is inconsistent -Last Reported : is inconsistent Date Last Active is inconsistent Date of Last Payment is inconsistent 3. XXXX XXXX -Account Type - Detail : inconsistent -Date Opened is inconsistent -High Credit is is inconsistent Payment Status is inconsistent Last Reported : is inconsistent Date Last Active is inconsistent Date of Last Payment is inconsistent 4. XXXX XXXX XXXX Account Status : is inconsistent Date Opened is inconsistent High Credit is inconsistent Payment Status : is inconsistent Last Reported : is inconsistent Date Last Active : is inconsistent Date of Last Payment : is inconsistent 5. XXXX XXXX XXXX XXXX, XXXX -Account # is inconsistent -Account Type is inconsistent -Account Status is inconsistent - Date Opened is inconsistent -No. of Months ( terms ) is inconsistent -Last Reported is inconsistent -Date Last Active is inconsistent 6. XXXX XXXX Account Type - Detail is inconsistent Account Status : is inconsistent Date Opened is inconsistent No. of Months ( terms ) is inconsistent Last Reported : is inconsistent Date Last Active : is inconsistent Date of Last Payment : is inconsistent 7XXXXXXXX XXXX XXXX Account Status : is inconsistent Date Opened : is inconsistent High Credit : is inconsistent Last Reported : is inconsistent Date Last Active : is inconsistent Date of Last Payment : is inconsistent 8. XXXX XXXX Account Type - Detail : is inconsistent Account Status : is inconsistent Date Opened : is inconsistent High Credit : is inconsistent Last Reported : is inconsistent Date Last Active : is inconsistent Date of Last Payment : is inconsistent 9. XXXX XXXX Account Type - Detail : is inconsistent Date Opened : is inconsistent High Credit : is inconsistent Last Reported is inconsistent Date Last Active : is inconsistent Date of Last Payment : is inconsistent 10.XXXX- INQUIRY is inconsistent 11.XXXX - INQUIRY is inconsistent 12XXXX XXXX -INQUIRY is inconsistent 13.XXXX INQUIRY - INQUIRY is inconsistent
Product: Credit reporting or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my consumer report : NELNET Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s [ List Accounts with late payment here ] Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit card

I have not applied for a Chime credit card or account. Today ( XX/XX/24 ) I received mail including a Chime Debit Card with no name on it, but a chip present. There was a sticker on it to activate it in the Chime app.

I called and the automated system said that it was able to locate my account with my phone number.

Again, I never opened an account. I phoned REPEATEDLY asking for a supervisor. I was told several different things. That they would be happy to transfer me to a supervisor ( but never would ), that they don't have supervisors, that they don't work for Chime, and that they do, that they didn't have my information ( even though the automated system said it did ), etc.

This is FRAUD. Due to previous bouts with identity theft, I have frozen all three credit bureaus so I know I did not do this. This card would be very easy for someone to fraudulently activate.

Chime has chosen to take risks with my credit that I did not authorize and they refuse to let me talk to someone who is actually with the company while lying to me and seeming to not understand why I would be angry.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00}
Product: Checking or savings account

{$760.00} was taken from my account in two transactions ( {$380.00} x2 ) by a man named XXXX XXXX. He claimed to be selling concert tickets through a ticket exchange site on XXXX and used XXXX for the transaction. He sent another person 's driver 's license photo and e-mail confirmation as his own without that person 's knowledge to act like the tickets were real. The amount is currently still processing in my account, but I would like to try every step possible to make sure these amounts don't go through. This occurred on XX/XX/19 XXXX and XXXX PST ( two separate transaction times ).
Product: Credit reporting or other personal consumer reports

I noticed this XXXX Account has fraudulent late payments on it. I've tried fixing this issue with the buearus, only to be told it's coming back as verified. It's impossible to come back as verified so obviously my account has been compromised, and I'm a victim of identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$5800.00} XX/XX/XXXX XXXX XXXX  XXXX  XXXX {$3800.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$2200.00} XX/XX/XXXX XXXX  XXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 adverse item of 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening you have recently reported that XXXX and XXXX XXXX is reporting accurately on my report but i so happen to have a letter from XXXX saying you all are reporting inaccurate information late payments .Please update to paid as agreed .If you refuse, I will like to inform to You that you are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.