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

XX/XX/2022, I sent a letter to the courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. If that is the case, how did the credit bureaus identity my bankruptcy as 100 % accurate? Your company never did a fair investigation according to the 15 U.S.C 1681. Where are you getting my private information when the courthouse stating they do NOT report bankruptcy?

According to : 15 U.S.C 1681 section 602 ( A ) States I have the right to privacy. 

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer-reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Debt collection

My credit report is showing a collection account from XXXX XXXX XXXX on XXXX. I didnt receive written notification about this debt therefore I didnt have a chance to dispute on my behalf. I am also requesting debt validation according to 15 USC 1692g I am requesting in the debt validation for a detailed list of my history of payments made on this account, I want to see my signature that I put on a contract guaranteeing that I pay this creditor, has there been an insurance claim filed, and lastly I want to see the proof that you have chain of title to collect on this debt. Without proof of this information this collection should be removed immediately.
Product: Debt collection

Dear transunion, I am writing to dispute the following item on my credit report : XXXX XXXX XXXX XXXX in the amount of {$1300.00}. 
I believe that this item is reporting in violation of my consumer rights. I am requesting that you validate this debt. 
I am requesting the notice with my signature upon delivery within the five days of initial communication pursuant to 12 CFR 1006.34 which proves I was aware of this debt and had the opportunity to dispute.

I am also requesting the procedure taken if for any reason this item comes back verified.

Please investigate this matter promptly and remove the disputed item from my credit report. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX 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 ( MONTHS REPORTING LATE ) 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.

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

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS DEPT OF EDUCATION/XXXX  XXXX not mine DEPT OF EDUCATION/XXXX XXXX not mine DEPT OF EDUCATION/XXXX XXXX not mine DEPT OF EDUCATION/XXXX XXXX not mine DEPT OF EDUCATION/XXXX   XXXX not mine DEPT OF EDUCATION/XXXX XXXX not mine DEPT OF EDUCATION/XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine U S DEPT OF ED/XXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine XXXX XXXX XXXX XXXX not mine PXXXX  XXXX XXXX XXXX not mine
Product: Debt collection

Calling numerous family members to get my number which is blocked. Calling in a state of emergency. This has to stop if they are doing this now. Wait for to people is dying and call. I work in DC. This is crazy!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a report to the company that they had put a negative score on my credit that I dropped more than XXXX points and their response was that it took us more than 30 days to pay knowing that we always called them and our car was totally lost they did not respond to what I asked them and they are washing their hands I demand an answer according to the case that I already exposed
Product: Bank account or service

Someone used my credit car number to rent a car at ( XXXX ) & The bank PNC is charging me XXXX for something that 's a fraud. The bank sent me to collections which I disputed that because I am not willing to pay for a fraudulent transaction. I try to dispute it with the bank which they say they do n't have any records of anything yet they still trying to collect the money from me. I also tried to follow up with XXXX and they stated that they have no records either. I explain to them that I do n't have a license and that I am not even old enough to rent a car yet they still not dropping the matter. I also did not authorize such a large transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was so stressed when I saw those inaccurate and unknown accounts on my credit report. DELETE the following accounts.
Product: Debt collection

RE : Complaint # XXXX. - XXXX XXXX XXXX XXXX XXXX XXXX. 
NOTE : Also was " threatened '' by a " XXXX '' with XXXX in XXXX regarding this debt, threat to sue me, and nasty cursing over telephone to me, about XXXX XXXX. 

Now, I called XXXX to get info on debt. I was transferred to " XXXX XXXX '' who stated that my Debt was " sold or transferred as of Friday, XXXX XXXX, XXXX. '' I did not receive notification, also when I contacted XXXX in XXXX XXXX, XXXX XXXX " agreed with me over phone '' that I requested by letter a verification of my debt and that XXXX deliberately provided " no response '' to me. 

I was given only a phone number to contact regarding my account. After calling, I discovered the " account '' is now with " Resurgent Capital Services LP '' of XXXX, SC. 
the original debt was with XXXX XXXX XXXX ( actually it was XXXX XXXX ) on XXXX XXXX, XXXX. 
I was not given proof of the debt, by XXXX, and was not prior notified that the debt was moved again! 
Also " new debt collector '' ( spoke to XXXX XXXX with Resurgent at XXXX on XXXX XXXX, XXXX. Phone number XXXX called to reach Resurgent : ( XXXX ) I also have not received notice of right to dispute ; and requested verification of debt from XXXX XXXX XXXX, which was ignored and denied. 

XXXX 's get these companies to properly comply with FDCA and keep customers aware and in communication of anything debt related. I am Disappointed, Frustrated, and Disgusted! 

I only want to clear my credit, and stop dealing with these nasty people. By the way, XXXX XXXX stated that I " would not receive a regular written letter statement of balance '' and that I had to " call in to us periodically to get your current balance owed. " Please assist me to stop the harassment, threats, and lies/deceit from these companies and allow me to clear my credit history. 
Thank you.
Product: Checking or savings account

My citibank account was closed due to being overdrawn for to long. I attempted to pay it and i just needed the account number. I have none of that information and i have a new phone number. I went through a relocation and now they won't even help or answer or provide with any solution. so i can pay this and open a new account.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX  ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Credit reporting or other personal consumer reports

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), XXXX, XXXX and TransUnion must authenticate these items. ( A ). Treating these reporting items as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) are mentioned. ( A ), kindly look at the following unverified items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 a check that was sent to refund our client their funds that were held in trust, was stolen, altered and cashed by another person. It came to our attention on XX/XX/2021 that the funds never made it to the client and were stolen. We immediately called our bank that day to alert them and start the process of getting the funds back. After submitting the required paperwork to our bank in the required time frame, Chase, as well as speaking with the local bank that cashed the check and filing a police report against the person, we continue to not have our clients funds returned. The person who stole the funds has been arrested and the other bank had the funds ready to return. For 8 months we have been reaching out to Chase to find out what is going on and getting the run around. They state they have been contacting the other bank while the other bank has never received any communication and has tried reaching out to Chase. Chase refuses to reach out via other methods other than mail to push for the funds returned or refund the funds until they can get them returned.
Product: Credit reporting or other personal consumer reports

Hello Hope youre well I had a lease for three years Always on aoutopay and never skipped a payment When the lease was coming to an end I called XXXX XXXX services and I requested lease extension. I got approved for 6 more months for the reason I would travel to XXXX for five months The agent didnt mention that I have to re setup the autopay on the app and that lead for me to missed a payment and impact my credit report. 
Im kindly asking you if you can help me with this matter because I believe this not my intention or my fault Thank you
Product: Debt collection

I called American Collections Enterprise on XXXX/XXXX/17 spoke with XXXX XXXX. Advised him that I wanted to do a settlement offer on this account b.c its an old debt. XXXX XXXX stated that he was unable to take a settlement offer b/c XXXX does n't take settlement payments. I advised him that per my credit report it shows that the account was sold to them. He told me that they are only a XXXX party between me and XXXX and that I would need to contact them directly if I wanted a settlement offer. He was very rude. I asked him why does it show them being the original creditor he told me to ask the credit bureaus b/c he does n't work for them. Then I requested to speak with a supervisor. I explained to XXXX what I wanted to do and how XXXX XXXX was talking to me. She said that perhaps my question warned his response. I told her that they were still in a customer service position and no one should be talked down b/c they owe an debt. She kept saying how Its been 3 years and how I did n't pay. I thanked her and called XXXX. I spoke with XXXX who handles the center in XXXX. Per XXXX they should have never told me to call them b/c they purchased the account from them and she does n't know why they said that XXXX cant accept settlements when they don '' t have the account and have nothing to do with it anymore. She was shocked that they behaved and talked to me in such a manner. She apologized and gave me her direct line just case something happens again. She also sent a complaint on my behalf to the department that hands the collection agency.
Product: Checking or savings account

On XX/XX/2018, my daughter drove me to a chase atm to attempt to withdrawal {$300.00} dollars for my checking account. She assisted me with the transaction. However, when it was time for the atm to give the money, on the screen appeared a message saying that the atm machine was unable to give cash. So we retrieved my debit card and waited for a transaction receipt but the machine did not print one out. Therefore, my daughter and I left without any money and receipt. About two weeks later, I checked my bank statement to check my balance and in the statement it appeared that I had withdrawn {$300.00} dollars, which was incorrect because that night the atm did not dispense any money. 
My daughter then assisted me with contacting Chase bank to address the problem and gain my {$300.00} dollars back. The Chase representative then said it will take 10 days for them to review the case and will then contact us with the outcome. 10 days later, I received a later from chase stating that the transaction was processed and that in fact the money was given by the atm. I then chase bank contacted by phone again and asked for them to review the surveillance video to verify that the machine did not dispense the {$300.00} dollars. They then said I needed to file a police report because that would be the only my way to gain access to the surveillance video. I attempted to file a report with the XXXX XXXX XXXX sheriffs department. A deputy was sent to my home where the deputy informed me that they couldnt do anything about it. To this day I have not been able to gain my {$300.00} dollars back and I have not been able to get the right guidance and help to obtain my founds back.
Product: Credit card or prepaid card

On XX/XX/2019 Wells Fargo notified me that they had detected unusual activity on my account. my credit card was used to make an online purchase at guitarcenter.com in the amount of {$1100.00}. The item or items were shipped to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and signed for by whoever had ordered this item or items ( which is the supposed reason why WF decided this was not fraud ). I didn't realize someone had used my personal info to change my mailing address on XX/XX/2019 to XXXX XXXX XXXX XXXX XXXX XXXX. I live in XXXX XXXX and have never been to XXXX On XX/XX/2019 Wells Fargo shipped a new replacement card to me as requested after trying to make a dispute for the charge of {$1100.00}, however I did not realize it was being shipped to this new address in GA. I did call Wells Fargo to let them know I did not ask for an address change, and to change my address back to my home address ( XXXX XXXX ). They then " cancelled '' the credit card that was originally sent to GA, and sent a new one to my actual address. I went in person to Wells  Fargo on XX/XX/2019, to speak to a manager and to again dispute this outrageous charge, to which they said they could not help me and told me I needed to call XXXX XXXX. I closed my account with them on XX/XX/2019. I received a call from whom I assumed was a creditor representing Wells Fargo saying they would be closing this case. I then began receiving multiple Bills via email and USP mail from Wells Fargo demanding I pay for these charges, and also the interest that had been accumulated for the months following. Since I have refused to pay this debt that is absolutely not mine, my credit score has dropped significantly, and Wells Fargo has been no help at all, though I've attempted to call and speak to different Managers  my issue has fallen on deaf ears. I did file a police report on XX/XX/2019 with SJPD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to lift security freeze with Equifax. They say it can't be done until 10-15 days. I was able to temporarily lift it a few days before with no issue. Now I can't. Was able to lift it on XX/XX/XXXX. Tried again on XX/XX/XXXX and was told no and a waiting period of 10-15 days. I am trying to get a home loan right now.
Product: Debt collection

One main financial calls multiple times a day after I explained what information I can get them. Im under duress and have explained this to them multiple times. I am currently out of work after being injured and have explained that I will get with my dr for a note on the XXXX. They continue to call constantly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a copy of my checking account through federal clearing house that showed my account number was an in-correct number as entered. My account had sufficient monies in it but payments were refused according to PayPal Smart Connect & XXXX XXXX for months through my account. Damage has been done to my credit so I am being refused credit. 
This action took place by the both named above in XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Despite numerous called to them I could not get any understanding to listen to my story until I was able to receive copy from XXXX XXXX XXXX in XX/XX/XXXX. The Connecticut Banking Commission gave me your address. 
The XXXX XXXX Financial name ( which ever one would choose to use ) is now being used in my other accounts, accounts controlled by them, & may be a way to frighten me? 
These other controlled accounts are not nor should be of concern is the way I see it for them. 
I want PayPal account paid in full with corrections made to credit reporting agencies.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was surprised to find inaccurate accounts listed, and I have no clue how they ended up there. I regularly monitor my credit, and this is the first time Ive encountered such inconsistencies. I even tried refreshing my browser to see if it was an error, but the accounts remained. Due to this issue, I request that the documents Ive submitted be carefully reviewed so I can have peace of mind moving forward.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX : XXXX Experian RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} On ( 4-20-23 ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( 5-10-23 ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ). 

INQUIRY REMOVE BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEED ACCOUNTS REMOVED BELOW XXXX ACOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Despite consistently making on-time payments, this account is reflecting negatively with a late payment status. I discovered multiple billing errors that violate the provisions outlined in XXXX XXXX XXXX XXXX ( b ) regarding billing errors