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

On XX/XX/XXXX I settled an old XXXX account that was in collections with CREDIT COLLECTION SERVICES. The rep XXXX, gave me a confirmation of settlement # XXXX and told me the amount was actually for {$190.00} ( and change ). 
My credit score before this was good and XXXX and my FICO score had been around 723. I found out today by XXXX alert, that my credit score dropped 79 points due to being Flagged by Credit Collections Service on XX/XX/XXXX and again today. Why?! I settled on debt last Friday. 
I first called XXXX  asking and why this is going on and they had no idea. I then called credit collection services and spoke to rep XXXX XXXX about this as he didn't know either why this was happening. I then asked to speak to a supervisor. A XXXX XXXX ( sp ) answered the phone " asking how she could help '' ... why waste more time? I asked if she was told about my situation and she said " yes '' at which point I asked her to please not waste more time then and help me resolve this. She confirmed the payment of settlement was updated the day after I called in which was XX/XX/XXXX. She also didn't know what was reason for my XXXX Credit reporting being flagged by her company. Who does know? Ms. XXXX then asked if I disputed the account and when I told her no, she brought up that I did so in XXXX. So I felt compelled to remind her that this was XXXX and that I was talking about why my account was being flagged in the present. At this point, she said that if I " paid the full amount owned on account that they would report to credit bureaus immediately ''. Really? So again the only solution to problems in this country is paying more and more and more right? I'm not even going to get into what's going on in my family right now but I have to pay for a funeral and I'm not in any state of mind to be on the phone with people that represent these companies. I have to pay for a funeral and I have to pay for my own XXXX in XXXX So I was just about to apply for a loan but this collection agency is flagging my credit to the point which it drops 79 points in two days after I pay my that something is wrong here and I would like to  know why. I just spoke to my friend who managed a marketing dept at XXXX XXXX for 7 years and he was appalled and told me to do this.
Product: Debt collection

I owned a rent house in XXXX XXXX, CA that was sold in XX/XX/2018. The water company, XXXX XXXX was paid what they were owed prior to my leaving the United States on XX/XX/2018 and I am now living in XXXX XXXX. 

The water company wrongly sent me to a collection agency for a debt I did not own when the service was for XXXX when I no longer owned the property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the XXXX XXXX XXXX XXXXD with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family. 

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately. 

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

I'm formally notifying your company that if the situation isn't rectified within XXXX  days, I'll file a complaint with the FTC. Upon Contacting the associated banks, I talked to someone within the company to confirm the documents had been received and they informed me that they never received documents from the CFPB. You must respond within XXXX  days as required by law. Non-compliance may result in fines of up to {$1000.00}. Please provide the requested documents within 10 days to avoid further action. 
XXXX, XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to get a small loan to make some renovations to my house but today XXXX/XXXX/2020 they ran my credit and they told me that I did not get approved because I had too many accounts in negative standing appearing on my credit report. I had no idea that there were accounts in negative standing on my report so I looked through it and I saw about ten accounts on my report that I never opened. The accounts are from companies that I have no written or verbal contract with ; I did benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I never made payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.
Product: Credit reporting or other personal consumer reports

HI, I checked my credit reports and found unauthorized fraudulent inquires on my XXXX, TransUnion and XXXX reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax XXXX and XXXX have devastated my life by allowing someone to commit identity theft I have complained multiple times to cfpb as well Im tired of this issue not getting fixed my credit need to be fixed and restored this goes against all laws and Im writing a letter to the senator to address this I cant live with poor credit caused by someone elses actions
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an issue with XXXX which fraudulently set up a loan to pay for termite extermination. Had gone through the XXXX where finally the representative from XXXX stated that the debt was forgiven because the contract for the loan was not signed by the XXXX representative and myself. Experian will not remove this from my credit report but simply states that the loan was paid off but there are two late payment registered against my credit. I have submitted the XXXX report but experian still wants to reflect that I took out the loan that i did not pay the loan for two months and that I paid off the loan. I did not have a loan i did not receive any service from XXXX and I believe that this was a fraud from the beginning whereas the local XXXX in XXXX IL was trying to take advantage of a senior citizen
Product: Credit reporting or other personal consumer reports

I have a bankruptcy showing up on my credit reports. I have proof from any courts that they DO NOT report to credit bureaus. I sent a certified letter to all three major credit bureaus and received a letter back stating they could not complete my request as they were unable to determine what I was requesting. The letter that I sent them clearly stated what I was asking them to do and included my name, social security number and all information that they needed. I do not feel that they even looked into my request and just sent a generic letter stating they had. I want the bankruptcies they are reporting to be removed from my credit reports.
Product: Credit reporting or other personal consumer reports

These accounts I believe do not belong to me and are belonging to someone else. It's affecting my credit scores and I feel so much stress behind me.
Product: Debt collection

This number constantly calls my place of employment, anywhere from XXXX7 times within an 8 hour day, 5 days per week, for the last month. I do not know what they are wanting because they will hang up or place me on hold for a representative. I 'm at work so I am unable to hold, nor am I allowed personal calls. I am reprimanded every time this happens.
Product: Credit reporting, credit repair services, 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not permit information 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 any other adverse items 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 so has reasonable cause to believe the information is inaccurate. I requested the original agreement with date f debt assignment from original company, I have not received, the account is stating it was opened in XXXX on my credit report which is completely false. I asked Transunion to validate information listed on my report and that has not be done XXXX Balance {$560.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX hence this account is past 7 years period. 
Opened XXXX Reported Unknown Condition XXXX XXXX XXXX Balance {$150.00} Original Creditor : Not Available/ COLLECTIONS XXXX Act. # XXXX Opened - false information/ I have not opened accounts within the last 8 years. 
XXXX Reported Unknown Condition/ this is the information listed on my credit report which is absolutely wrong
Product: Credit reporting or other personal consumer reports

These accounts have incorrect information with late payments, please verify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX CO Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

This is XXXX XXXX, on XX/XX/2023 someone hacked my phone/sim ( XXXX ). They hacked my banks, emails, and also my identity. That same day in the morning I went to Chase Bank to change my account number and information. That same evening the hacker did a transaction once again from that new account. I called customer service and stopped that online transaction. Later on XX/XX/XXXX, I went to the bank and changed my account number again and gave them my new phone number. Somehow whoever still got access to everything again. I went to the bank again and they said to change my device and get another new number from another XXXX. I did that but some days later it started happening again. XX/XX/XXXX I received a notification on my phone from the online banking app that my information was updated and I had to call customer service to lock my account. I later went to the Bank the same morning and was talking to an employee who was helping me contact customer service and at that same time somebody transferred XXXX XXXX Dollars ( {$40000.00} ) to a company ( by wire ). I told them to stop the transaction, the person who was assisting me was also telling the customer service line that it's not me but even though the person was sitting right in front of me the customer service didn't stop the transaction but instead took a claim and said they are going to start an investigation. Few days later I received a letter from the bank that stated no action will be taken. I called customer service once again and they told me that they did not find any fraud so they couldn't give me my money back. They told me they sent a code to my phone before the transaction but that was my old number which the hackers still had access to. They were changing numbers. I told the bank and the bank knows everything but after everything how does the bank still add my old number to my profile when I changed it to a new number. The bank couldn't give an exact answer but they couldn't give me my XXXX XXXX dollars back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act, this creditor XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681, Section 602, states that I have the right to privacy.

15 USC Section 1681, Section 604 A, Section 2 also states a consumer reporting agency can not furnish an account with my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under a open consumer plan as late for any purpose.
Product: Checking or savings account

I believe capital one opened a checking account in my name and sent me a debit card in the mail. I never received a PIN number to this card and it never showed up on my credit report. I am not the only one whos gotten the same thing also, my co-worker and friend got the same thing in the mail around the same time I did.
Product: Debt collection

On XXXX CREDIT CONTROL CORPORATION opened a collection. 
Account # : XXXX Amount : {$120.00} I have never signed any written document that I owe this debt to the collector. 
They are violating my federally protected rights under FCRA as a consumer. 

I do not know who they are and have not written consent on my end. 

Also, they have not verified that I owe this debt to the alleged company. 
Please have this removed from all 3 credit bureaus. 

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

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I do not recognize these hard inquiries, they appear to be fraudulent, the names of these inquires are : 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 urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates 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 to be removed/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 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. 
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!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to the bureaus about fraudulent information on my credit report due to Identity Theft. They have removed or updated most of the issues except for removal of the bankruptcy that no one can legally verify or validate. XXXX and XXXX have removed the account from my report, however, XXXX  and Transunion have failed to do so along with other inaccurate issues. I have provided them with copies of letters from the court they named as well as a letter from XXXX stating they have removed the record. I also provided them with a copy of my police report. I am attaching these same documents to my complaint to show that the documents indeed exist. 
My reputation and ability to acquire a XXXX XXXX is being jeopardized due to the lack of proper investigation, validation and/or verification of my information.
Product: Credit reporting or other personal consumer reports

I am frustrated with the repeated delays in addressing accounts on my credit report that are both in pending litigation and inaccurate. I've reached out several times, and the inaction is damaging.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX, and the information listed below, which appears on my credit report, is a result of that XXXX. 

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

1. ( XXXX - XXXX ) 2. ( XXXX - XXXX ) 3. ( XXXX  XXXX - XXXX ) 4. ( XXXX XXXX XXXX  XXXX XXXX ) Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX Enclosures Proof of identity XXXX  Documentation
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Checking or savings account

On XX/XX/XXXX all my accounts were frozen by Wells Fargo Bank without prior notice. That same day, Friday, when I called customer service, they asked me to go to a branch. When I got there and asked for an explanation, they told me that I had to show my legal status. in the United States, and I gave them my XXXX ID, which logically they should have had beforehand when they opened my business account more than a year ago. By phone I filed a formal complaint on XX/XX/XXXX, since I was told that the problem was that I was born in XXXX and that therefore my accounts had been frozen, I regret having been born somewhere other than the United States, for the first time I feel discriminated against in this country thanks to Wells Fargo 's inability to solve problems created by them. At this time my accounts are still frozen, I asked them to let me know in writing the reason for this terrible situation, Wells Fargo today says that it can take up to 10 days to respond to me and in the meantime I feel treated with discrimination by them, and like a criminal, I can not use my money, I can not pay my bills or the rent for my business and my house, and I can not complete the sales of my business, causing me to lose thousands of dollars in an unfair closure without prior notice in the bank accounts where I have the money that has been worked with sacrifice for 9 years in this country.