23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

There is a judgment on my credit report with docket XXXX for a paid collection with XXXX XXXX XXXX in the amount of {$2500.00}. It shows that this judgment was filed on XXXX and paid on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received one document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining about my Equifax credit report score decreased by 50 points. Equifax has allowed three disputes on my credit report, and I did not authorize these disputes. XX/XX/2020, received an alert from XXXX XXXX my score decreased by 50 points. I reached out to Equifax, I spoke with the representative XXXX, employee XXXX. XXXX confirms three disputes show on my credit report, and it is pulling down 30 % of my credit ratio. I inform XXXX  I did not request for any disputes on my credit report how can I stop and remove the disputes? XXXX states there is nothing I can do ; I had to wait 30 days for a response. XXXX informs the three disputes are paylaince, XXXX XXXX, and XXXX  XXXX. I told XXXX  it is impossible to have a dispute for XXXX because I paid off this account, XXXX refuse of stop the is dispute I did not request.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent credit reporting agencies and collections companies Identity Theft Report, informing that I am a victim of identity theft and the alleged accounts. This is not misrepresentation I am victim of Identity theft. I further explained this is not a mistake or sent in error. The items found without my credit report I listed are not related to any transactions that I made. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts. I instructed that I would like to have those accounts blocked and removed expeditiouslyXXXX XXXX XXXX XXXX XXXX XXXX SUNRISE CREDIT SERVICE, AND XXXX XXXX. Explained the alleged debt is not mines and if they do please provided a prompt reponse or proof under penalty of perjury you were present during the opening of these debts. I have not received reponse yet. So I am demanding these account be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted several disputes in the past via mail, phone call, and online if available. The issue I was reporting is the balance of the creditor ( XXXX  ) should be reported into the Bankruptcy. This is the only account that is not showing in the bankruptcy that has a proof of claim of being included In the bankruptcy. Ive called the creditor ( XXXX  ) of the issue and provided me a number of their bankruptcy cases attorney. I explained the issue to them and they referred me back to the credit reporting agencies and the creditor. I have been bounced around several times without resolution. I have the documents the creditor ( XXXX ) submitted for proof of claim in the bankruptcy. The results keep coming back as verified when : # 1 the account is closed and referred to their bankruptcy attorney # 2 Keep incrementing payments when proof of claim is in Bankruptcy
Product: Debt collection

On XXXX XXXX I acquired the debt. XXXX XXXX, I have received the 1099c copy b for the account amount {$1100.00} which has been settled. The said company is still trying to collect on a debt that has been settled and I demand the records be updated to show the account has been paid in full. Let the records show Jefferson Captial Systems a third-party debt collector is attempting to what is called double dip and collect on a debt that has been settled. Any further attempts on this settled account will be met with further legal actions to show they purchased my private information without my consent and furthermore attempted to collect and harass me using illegal tactics to pay on a debt that has already been settled.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 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 XXXX 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: Debt collection

SOMETIME IN XXXX  OF XXXX AND XXXX OF XXXX THERE WAS TWO ACCOUNTS OPENED IN MYNAME WITHOUT MY CONSENT. I HAVE TRIED WORKING WITH THIS COMPANY DIRECTLY WITH NO RESPONSE. THE AMOUNTS ARE {$2200.00} AND {$400.00} DOLLARS. PLEASE ADDRESS THIS ISSUE AS SOON AS POSSIBLE ....
Product: Credit reporting, credit repair services, or other personal consumer reports

First let me say this complaint and Experians response will be used as evidence in my lawsuit against Experian. It will also be sent to the California Attorney Generals Office to serve as evidence that Experian is knowingly and willfully aiding and abetting in a crime. In Florida it is a crime for a collection agency to attempt to collect a debt from a Florida resident if that agency is not licensed in Florida as a consumer collection agency. This law applies to all collection agencies rather they are located in Florida or not. The Florida attorney Generals office has legal authority to prosecute any company that violates this law regardless which state the company is located in. XXXX XXXX XXXX XXXX does not have a Florida consumer debt collection license nor do the meet the legal exemptions. XXXX XXXX XXXX XXXX is committing a crime by trying to collect a debt from me. ( I live in Florida ). Experian is aware of this crime and knowingly and willfully allowing XXXX XXXX XXXX XXXX to use their ( Experian ) Platform in furtherance of this crime. This is no different, for example, if XXXX knowingly and willfully allowed someone to engage in the crime of prostitution on their platform. XXXX is a crime and XXXX would be held legally accountable for their role in that crime. XXXX XXXX XXXX is also committing a crime and Experian is aware of this crime and chooses to allow XXXX XXXX XXXX XXXX to continue in furtherance of this crime by allowing XXXX XXXX XXXX XXXX to use Experian Platform in furtherance this crime. I have reported this crime that Experian is committing to the CA Attorney Generals office. Let this complaint serve as evidence that Experian is not only aware of XXXX XXXX XXXX crime but they are also allowing XXXX XXXX XXXX XXXX to use their ( Experian ) platform in furtherance of this crime. I filed an earlier complaint against Experian, using the CFPB PortaXXXX, and made Experian aware of this crime that XXXX XXXX XXXX XXXX is committing. I even provided evidence to Experian that proves that XXXX XXXX XXXX is committing a crime. Despite this Experian willfully and knowingly allows XXXX XXXX XXXX XXXX to use their ( Experian ) platform in furtherance of this crime. This makes Experian guilt of aiding and abetting in a crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just recently I ordered my yearly credit report and noticed many errors your company is reporting on my report. Not only is it distressed but I am disappointed at how I was affected by the XXXX breach. It has affected me in many ways and has caused so many problems that are out of my control with my identity being used. I am unaware of the accounts and inquiries listed in this letter and I demanded that theyre investigated internally by disputing only the accoutns and inquiries mentioned below. I have never given my consent to open any of the listed accoutns or any new accounts due to the being puzzled of how inquiries were placed on my credit file. These are serious errors that your company has made time and time again concerning my credit file and I will take legal issues if I have to immediately. This has been the 2nd time that I am disputing and it seems that Im being ignored for a particular reason and theirs no answer on to how the errors got any my credit file. I will go beyond measures to get the errors removed and if theyre not removed by XX/XX/2018 I will be taking legal actions against your company. 
Accounts Errors : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.  XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX Unauthorized Inquiries : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX/XXXX 4. XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7.  XXXX XXXX 8. XXXX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 and 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 or other personal consumer reports

I am frustrated by the ongoing inaccuracies on my credit report despite sending multiple dispute letters. I am disputing the inaccurate reporting of three crucial dates : Last Activity, Date Opened, and Date Reported. These discrepancies violate credit reporting guidelines, which mandate consistency and accuracy across all credit bureaus. The misleading information must be corrected immediately. I request the removal of these inaccuracies from my credit report. 

Under the Fair Credit Reporting Act, it is essential that all information on my credit report be completely accurate. These discrepancies are violations of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). Attached are copies of all previous dispute letters for your reference.
Product: Debt collection

I have disputed a doctors bill that was covered by my insurance. XXXX XXXX deleted the account but I am having no luck with XXXX or XXXX deleting the account and they have not given me an explanation as to why its still reporting.
Product: Bank account or service

On XXXX/XXXX/16 I applied for a Citibank Citi Gold Account over the telephone. During the process, I provided a promo code that I received that would award me XXXX XXXX XXXX once certain requirements were met at a specific time. I was informed by the Citibank agent that I qualified for the promotion and that once I completed the requirements, I would get the XXXX XXXX. I 've aleady met the requirements. However, Citibank is denying me the miles as they now claim that I was not " targetted. '' I understand that Citibank records all conversations and that my application over the phone was indeed recorded. I went ahead and opened such account with the promise that I will be awarded miles once I completed their requirements. I did my part, now is up to Citibank to do theirs and honor what they said.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize any of these inquiries listed on my credit report when I checked. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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

Theres fraudulent accounts thats reporting to my XXXX and Trans Union credit reports. Ive contacted these credit bureaus by mail and by phone letting them know about These accounts and went through the proper procedure. I did everything they asked me to do and they refused to remove these items off of my credit report. Ive mailed them every thing they asked me for.
Product: Credit reporting or other personal consumer reports

These inquiries are not authorized by me Special financing comp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These other inquiry I only authorized 1 and they did 3 for no reason and without authorization XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX : ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my Transunion credit File and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ).
Product: Credit card or prepaid card

From approximately XXXX to XXXX I was issued a Visa card from Capital One Bank. After making multiple payments I was notified of a Credit Limit increase. Approximately a month after the increase, the card was cancelled by bank. The reason cited was useage not meeting family standards ( paraphrased ). At the same time my Kohls Credit Card was also cancelled by bank with the same reason. I only made purchases on both cards of normal merchandise, gasoline, lodging, etc, I contacted both Capital One and Kohls. I got no explanation from either. I even reached the Capital One Executive Office. 

About a year later, Capital One issued a new Visa Card. That card was cancelled almost immediately with the same reason given. My Walmart card was also cancelled with same reason. All cards were in good standing and being used appropriately by only me. Credit Limits were about {$800.00} for Visa, {$300.00} for Kohls, and {$100.00} for Walmart. 

Due to the ambiguity of the reason, its repeated use in cancellation letters, and the lack of transparency by Capital One I did not feel fairly treated.
Product: Debt collection

Synchrony bank stating still owe on account despite reaching settlement terms and paying installment to them 5 months after the fact. When trying to log in to my Synchrony account to prove terms no information shows. I've requested multiple times said debt and noted agreement and am only told they'll be sending me a letter, but only send email.
Product: Credit card or prepaid card

Cancellation benefit not as advertised. Matter of fact, judging from the response to the claim, no claim will be honored. Thus the " benefit '' is a scam and a perfect example of false advertising. My complaint is, according to this letter and an e-mail from the insurance companies general council 's office, there will rarely, or ever, be a claim that is covered. Therefore, my complaint that the benefit is a scam still stands and is unanswered. The public should not be subject to this type of hyperbolic scam. False advertising is also apparent.
Product: Debt collection

I have been receiving numerous calls from Synchrony Bank from XXXX XXXX to XXXX XXXX. They are calling 20 plus times a day. I have repeatedly asked them to stop calling and have explained to them that I will pay them when I have money. I have asked for a cease and desist notification to be put on the account under my social security number and they stated that they will notate the account and then 5 minutes later they call back. I have advised them that the account should be notated and that they need to stop calling.
Product: Payday loan, title loan, or personal loan

Hello I called the company My XXXX XXXX on Friday XXXX XXXX because another company saying I owe that company money. I have never heard of that company and I have never apply for a loan. So when I call the company they did not have anything on me. The other company that is called XXXX XXXX is harassing me about a payment that I have never borrow from. I am getting threatening calls from XXXX XXXX, stating they will take legal action against me. So can someone help me please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX on XXXX of 2021 I was late on my monthly payment due to XXXX. Me and my wife where both XXXX  during that time and unfortunately we were unable to make the payment. I called XXXX XXXX XXXX to see if they could remove my late payment and the representative that i talked to said they where unable to remove the payment. He said that even if I sent a good faith letter they would not remove it. I pleaded with him and let him know that the payment was missed due to being XXXX XXXX XXXX XXXX He went on to tell me that if I would have made the payment 2 weeks before hand this wouldn't have happened. I let him know that getting XXXXs where not in my plans and that if I forgot about the payment was because I was more worried about getting out of the XXXX XXXX  then making sure I made my payments on time. He then went on to make fun of my illness. That's when I asked him if I could speak to his manager. He took down my number and told me that the manager would reach out to me within 24 hours. Its been a week and still no call from the manager. I'm writing this complaint to see if you can remove this late payment from my report since XXXX XXXX XXXX will not do anything even under my circumstances. I hope you can find it in your heart to remove this for me. I would really appreciate it from the bottom of my heart.
Product: Credit reporting or other personal consumer reports

I have tried to obtain my free annual credit report from the company. After completing all the steps that were required in order to obtain the report. it stated they were unable to provide me with one and that I would need to call each bureau. I have called each credit reporting bureau and requested the credit report. Each bureau stated they would be mailing out the credit report. After waiting over 30 days I have yet to receive the credit report.
Product: Debt collection

I have paid in full a balance for fees related to the return of my leased vehicle to Tesla Motors. That debt was fully paid the day on which I timely returned the vehicle on XX/XX/XXXX. In spite of my payment of all outstanding liabilities, Tesla has repeatedly contacted me throughout the years for an additional identical amount for the same items that I paid for on XX/XX/XXXX. Tesla has since referred the matter to the debt collection company by the name of XXXX XXXX XXXX XXXX XXXX. My account number with them is XXXX. 

XXXX, XXXX XXXX XXXX contacted me about the debt once by mail, on XX/XX/XXXX. They now threaten to damage my credit score for this invalid claim against me. I retain the invoice and payment receipt for my payment of the claimed outstanding balance. 

I would be appreciative if CFPB could assist me in this matter. Thank you.