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

I recently received a copy of my TransUnion credit report, and I noticed that there where some late payments. This is a clear violation of the law 15 U.S.C. 1681a2a1, 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) 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. Wheh a creditor is report a account as late, they are reporting the experians between the consumer and the creditor. The transaction, the payment history comes from a transaction. There can not be a payment history without any transactions. NO TRANSACTION NO PAYMENT HISTORY, NO PAYMENT HISTORY NO TRANSACTION. It is impossible to have a payment history without transactions. If there is no transaction how can a creditor report a payment as late! Where the transaction and the experiences are between the consumer and the person making the report is excluded from the consumer report. They are reporting information that is excluded from the consumer report. This is considered fraud and very illegal.15 usc 1666b, there is only 1 time that a creditor my treat a payment as late under 1 condition and 1 condition only. 15 U.S. Code 1666b - Timing of payments U.S. Code Notes prev | next ( 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, and the creditor report agency must have proof of this. This is law.
Product: Debt collection

XXXX has posted a collection to my credit report from Credit Bureau Service of Iowa, a collector for XXXX XXXX in XXXX XXXX, IA. They say I owe {$15000.00} from a lease. I had a lease with the company that ended in 2014 when I transferred to XXXX XXXX. I asked the collector to send proof of the debt and they couldnt provide the evidence. I then contested the collection with XXXX, twice, and each time they investigated it and said it was a legitimate debt. How can they do so if the collection company cant provide proof.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed derogatory and collections I did not make nor did I approve anyone to pull my credit report
Product: Consumer Loan

Someone opened an auto loan in my name and it got charged off. I 've been trying to get it removed from my credit report but Americanot Honda Financial wo n't take it off.
Product: Credit card or prepaid card

I mailed in a payment to capital one and I believe they withheld it to force me to pay late fees. 
as a result I now have a late payment reporting for the month of XXXX XXXX 2017
Product: Credit card

XXXX sent a letter that stated they were sending a new XXXX XXXX XXXX XXXX Credit Card for a closed account. I called XXXX XXXX and they refused to help because they already sent the non-requested card.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE HARD INQUIRIES LISTED HAVE BEEN FRAUDULENTLY PLACED ON MY CREDIT REPORTS. I WAS A VICTIM OF IDENTITY THEFT AND NEED THESE REMOVED FROM ALL 3 CREDIT BUREAUS ASAP. 

XXXXXXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a loan from this company on my credit report, and I have never gotten a loan from them. I believe it is identity theft. I contacted them by phone 3 times. The first time they gave me a number to a sales company. The second time they hung up on me when I told them this was not my account. The third time they hung up on me when I requested proof of the loan in my name, as I have never gotten a loan. I called a XXXX time and couldnt get through to anyone. I disputed this on my credit report, and they verified it is mine. So I am trying to get all the proof I can of this loan so I can dispute again, and file for identity theft. I will be filing a police report today.
Product: Consumer Loan

On Saturday XX/XX/XXXX I traded my XX/XX/XXXX Chevy XXXX in at XXXX XXXX in XXXX, Il for a XX/XX/XXXX Dodge XXXX. I 've talked to several different people at XXXX XXXX at XXXX and I 've told them this at least XXXX times. I asked them to please stop calling me asking for payment on a car that I traded in. I 've had several new cars before, and this is the XXXX time this has ever happened to me. Meaning people are constantly calling me asking for payment on a car that I no longer have. The car is at XXXX XXXX on their lot waiting to be sold. I do n't know how to explain this to these people anymore, but I want them to stop calling me.
Product: Credit card or prepaid card

We received notification from Citibank regarding potentially fraudulent activity on our credit card account ending in XXXX  on XX/XX/XXXX. Upon review of our transactions, we found several fraudulent charges on our card ( case # XXXX  ). Citibank immediately replaced our cards with account ending inXXXX. All fraudulent charges have been resolved except one made to XXXX XXXX for {$880.00} on XX/XX/XXXX. It appears that there were two charges for {$880.00} and then a credit to one of those charges, so the second {$880.00} remains on our card to date. Citibank Fraud department sent us a letter stating that they completed their investigation on that charge and that we are still responsible for that charge. Refer to the attached documents.

We also contacted XXXX XXXX XX/XX/XXXX. XXXX XXXX will not provide us the name of the person who purchased the ticket, the source booking location of the charges, names on those tickets, where the flights were going to, departure or return dates. We can attest that we were in XXXX, AL XX/XX/XXXX and did not book those flights from wherever they were made. Further, we have not flown anywhere from any airlines in XXXX or yet in XXXX. 

We have since filed a report with the FTC reference # XXXX and letter from that filing sent to Citibank. Refer to attached letter. 

Over the course of this event, we have made several calls to Citibank to get this issue resolved and checking status ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). They appear to be trying to get this resolved but the issue remains open to date. We can only suspect that XXXX  is not supporting Citibank with the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I ordered a mattress from XXXX. Upon delivery, I stated it was the wrong mattress size. Delivery men stated I needed to call XXXX and they left. Months I argued with XXXX. FINALLY, I called and was told I had a XXXX balance ( XX/XX/XXXX ). I checked my credit report and it stated written off as bad debt - XXXX   balance. Then, I get a hearing notice for the magistrate. Then, I look and XXXX   has {$1400.00} balance owed and XXXX shows {$1100.00}. Now. XXXX  # 1 should not be able to continually change peoples balances at their will. # 2 they cant write off and XXXX it out then all of a sudden make the balance reappear yet different on each report. 3. XXXX  They still have not corrected my order
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of this account in XX/XX/XXXX when I already had a fraud alert. I recently spoke to a representative who finally heard my concerns ( last week XX/XX/XXXX ) and she went through the account ( no other representatives did this ). She let me know the email and number that was created with the account. My mother XXXX XXXX made herself a card user after making the account with my social. Ive stated to multiple representatives that I just graduated high school in XXXX and would have no knowledge of the credit pull. XXXX XXXX has charged the account to my credit when this is identity fraud and is clearly seen from the account and the transactions. The representative also stated some of the transactions and I didnt own a vehicle or anything until XXXX which my aunt and uncle helped with due to issues at home, which I have proof of. This is XXXX. I XXXX XXXX XXXX did not give consent nor make this account. Please remove this from my credit history or XXXX have to take legal actions on XXXX XXXX for making false claims. XXXX XXXX knows theyre in the wrong because I was never contacted, seen in person or given a signature for them to create this account. When you co-sign someone that individual has to be present to give consent Ive never done this or been aware of this account until this year when I myself pulled my credit history. I lived with my mother in my early XXXX so the fraud department keeps ignoring my claims of it being fraud since address are the same. They arent looking at the transactions or who is paying the card off ( I had no idea it was getting paid until I checked XXXX, I dont have the account number or anything because I did not know of this account ) .I ask to please check back all recordings to XXXX XXXXXXXX because I give my social every time because again I had no idea of this account, Ive never had a XXXX XXXX account ever in my life. I also dont live with my mother anymore and have given my information to contact me in the investigation and they havent, Ive reached out myself every time. Ive also submitted several claims to CFPB, multiple police reports and multiple disputes with XXXX. XXXX XXXX  isnt doing their job and its ruining my life because theyve closed and charged the account to my credit. Im a XXXX  student studying XXXX ( just went back to school ), I dont have a credit card and havent had one since XXXX XXXX XXXX again I can show proof of this.
Product: Debt collection

The company sent a letter months back stating I owed them money at which time I called and informed them they needed to contact my attorney as this was settled in bankruptcy. I get another letter today dated XX/XX/XXXX that I have until XX/XX/XXXX to pay them {$7700.00} remaining on the debt. This account was closed in my bankruptcy and it is against the law for them to be contacting me at all in regard to paying any remaining balance on this account. I have already told them once before that they needed to contact my attorney and they have ignored going that route. My bankruptcy was finalized as of XX/XX/XXXX and the vehicle is still taking up space on my property. I converted to CHXXXX in XX/XX/XXXX and they had ample amount of time to say anything to my attorney as well as come and pick up the vehicle. It has been sitting on my property taking up space and getting in the way for 10 months now and I am well within my rights to file a petition with the court to collect fees up to {$10.00} a day for rental space on the property. I will plan on proceeding with this within the next 30 days if I don't hear anything back. I am sending a copy of the letter from Jefferson to my bankruptcy attorney as well as he is within his rights to pursue any legal ramifications in regard to this matter.
Product: Mortgage

My husband and I filed a Chapter XXXX XX/XX/XXXX-the bankruptcy was paid in full and closed XX/XX/XXXX. HSBC-XXXX/Mortgage services has been over my mortgage since XX/XX/XXXX when my house was purchased. According to the credit reports on file-XXXX, XXXX and XXXX, my mortgage has been paid in full. I have been paying my mortgage each month with no response from HSBC. I have not received any statements showing they have been receiving the money or any statement indicating this account has been paid in full. Please let me know if you can help me get my mortgage information from HSBC. The address for the bank where I have been sending my payments is : HSBC Mortgage Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX my Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Mortgage

On XX/XX/2022 I review my mortgage statement from Freedom Mortgage Corporation and realize that it had increased in the amount of {$100.00} due to Other/Optional Products XXXX once I contacted the bank they proceed to inform me that this was a home warranty and told me they needed to transfer me to the company so I could cancel it, when I ask why was I enrolled in that product they just transfer me, I spoke with 3 representatives at the company XXXX XXXX XXXXXXXX and they just keep transferring me to someone who could cancel the account until the account last employee from XXXX XXXX XXXX Hang up on me I call Freedom Mortgage Corporation back to explain the situation and customer services representative told me that she could not help me and I needed to contact the company to cancel so I told her to try to get a representative on the line who could help me and she realized the she could not get anyone to cancel since they hang up on her, I requested a manager and a man called XXXX came to the phone to explained that there was nothing they could do, then I request to cancel my auto payment and were unable to do it either I've been at this for the last 4 hours, in my opinion this is a Fraud perpetrated by Freedom Mortgage Corporation in collusion with XXXX XXXX XXXX XXXX
Product: Debt collection

I had XXXX XXXX XXXX  for years and no longer under contractual agreement. Over a year ago I decided to cancel my service ( XXXX # XXXX ) which was difficult to do because they are hard to get ahold of, but I did and paid my final bill which was due for the month after the cancellation. XXXX XXXX XXXX failed to remove one item from service, so I called them to get it fixed but they hung up on me twice! It was only {$13.00} because it was a cellular watch that they didnt remove even after I asked more then once, but now it's XXXX $ And they sent it to debt collection Sunrise collections now after several harassing Phone calls and me explaining to them the situation, it's on my credit report! for a bill I didn't owe!!
Product: Debt collection

I received a ton lf voicemails from this company regarding a gym debt that I have confirmed with XXXX XXXX XXXX that I do not owe. I reached out to Aldous & Associates on XX/XX/2024 regarding this debt and explained that I do not have debt with XXXX XXXX and that they confirmed it. I asked them to send me confirmation of this debt and they claimed they mailed a letter which I hadnt received nor did they provide what the debt in question was or why I received it. They said if I didnt pay the debt it would be reflected on my credit. I called this number XXXX ( XXXX ) XXXX which they provided via voicemails. I am unsure if this is a scam at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$1300.00}
Product: Debt collection

I am filing a formal complaint regarding the unlawful reporting of a charge-off on my credit report by [ Insert Credit Bureau Name ( s ) ]. The inclusion of this account violates multiple federal laws under the Fair Credit Reporting Act ( FCRA ) and other applicable statutes, as detailed below : Violations : 1. 15 U.S.C. 1681 Section 602 : This section establishes my right to privacy. The reporting of this charge-off without my explicit written consent infringes on my right to privacy.

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This section prohibits consumer reporting agencies from furnishing accounts without my written instructions. I have not authorized this charge-off to be reported on my credit file, making its presence a violation of federal law.

3. 15 U.S.C. 1666B : This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late if conditions of proper notice and timing are not met. The charge-off was improperly applied and reported.

4. 15 U.S.C. 1681s-2 : Furnishers of information have the legal responsibility to ensure the accuracy of information provided to credit bureaus. This section prohibits reporting information if the furnisher knows or has reasonable cause to believe it is inaccurate. This charge-off contains inaccuracies and should not have been reported in the first place.

5. 15 U.S.C. 6802 : This statute reinforces my rights to financial privacy. By reporting this charge-off without proper notice and consent, my rights under this law have also been violated. 

Complete payment history, the requirement of which has been established by XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor.

* Date of Last Activity * My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from.

* Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe * Proof of photo my state iD DL Passport
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX is reporting the wrong XXXX credit card account number on my credit report. The XXXX XXXX XXXX account number ending in : XXXX is incorrect. My XXXX XXXX credit card account with a credit limit of {$12000.00} is not being reported correctly on my credit report. The wrong XXXX XXXX XXXX XXXX credit card account is being reported on my Equifax and XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off the balance to my credit card back in XX/XX/2021 and the credit card company is not reporting correctly to the credit bureaus the balance should be XXXX they are reporting i have a balance of XXXX dollars also they reported the card closed when it shouldn't be closed this has caused me stress time from my job to keep calling and getting refused an apartment
Product: Debt collection

The lady from Revnow in Florida called to call her back I called and tell her my situation she got mad and tell me to do whatever to my financial to pay back and hung up on me.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 to any 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SS # XXXX CONTACT # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX : Creditor : XXXX XXXX XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX EQUIFAX : Creditor : XXXX XXXX XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX. XXXX XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX XXXX XXXX Acct # XXXX Creditor : XXXX XXXX # XXXX XXXX