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

My account with XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding multiple inaccuracies in my consumer report, specifically concerning inquiries listed under my name from various creditors. These inquiries have been reported by TransUnion and are causing significant harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and seek its immediate removal. 

Inaccurate Inquiries : 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 inquiries are reported inaccurately as I did not authorize them or do not recall them being conducted. Under 15 U.S.C. 1681n of the FCRA, consumers are entitled to sue for damages caused by inaccurate reporting, and I am prepared to exercise this right if these inaccuracies are not rectified immediately.

Failure to Provide Accurate Information : I have the right to dispute inaccurate or incomplete information under the FCRA. The credit reporting agency has failed to ensure that the inquiries reported are accurate.

Lack of Proper Investigation : I previously disputed these inquiries, and the credit reporting agency did not conduct a reasonable investigation or failed to inform me of the results of that investigation, which violates the FCRA.

Unauthorized Inquiries : Some of these inquiries were made without my permission, which violates the FCRAs requirements regarding permissible purposes for obtaining consumer reports.

Inclusion of Inquiries Beyond the Statute of Limitations : Under the FCRA, inquiries should not be reported after two years. Any of the listed inquiries that fall outside this timeframe should be removed.

Negligent or Willful Non-Compliance : If the reporting agency or the creditors made these inquiries in a manner that shows negligence or willful intent to violate the FCRA, this is unacceptable.

Potential Harm to Credit Score : These inaccuracies may have resulted in undue harm to my credit score, potentially affecting my ability to obtain credit, insurance, or employment.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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

I tried to apply for a loan and on my credit report it said I had another strong inquiry XXXX XXXX Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine fcra violations remove it XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX XXXX  Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete from my credit report. 


XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Account Number : XXXX  Update to Open/Never late XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number XXXX XXXX XXXX from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

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


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX  XXXX Account name : XXXXXXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX reference # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

- 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 an account without my written instructions - 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any 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: Debt collection

I am filing this complaint against XXXX XXXX XXXX, which is reporting a collection account for XXXX XXXX with a balance of {$210.00} ( [ Account Number : XXXX ] ). I believe this debt is inaccurate and unverifiable. 

Details of the Dispute : Debt Validation : Despite my request under 15 U.S.C. 1692g ( FDCPA ), XXXX XXXX XXXX has failed to provide proper validation of the debt, including proof of the original creditor, payment history, and details of the debt. 
Violation of Consumer Laws : Under 15 U.S.C. 1692g, XXXX XXXX XXXX is required to validate the debt upon request. 
Reporting unverifiable debts violates 15 U.S.C. 1681e ( b ) of the FCRA, which requires maximum accuracy in credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I was called twice by XXXX twice on Tuesday, XX/XX/XXXX, 2017. I was called by a man who threatened to sue me. He stated that he was on his way to my house location to handle my situation. He also knew the type of car I drove and said he has a tracker on me and will find me and before he hung up he said " Good luck. '' I know for a fact that is not proper collection policies and definitely violates the telecommunications act. I did some researching and the name of the company is United Debt Holdings. I immediately called their XXXX number to set up payment arrangements to avoid getting sued, but once I did that I realized they tricked me with illegal talk like suing and arresting me. The XXXX number is XXXX and I spoke with a guy name XXXX He took my debit card and set up payment arrangements for a XXXX XXXX XXXX XXXX. Please understand that his definitely violated the collection policy. This is not fair how they are threatening others for a small debt like a phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed 2 new accounts on my credit report that I didn't recognize for a company called Debt Recovery Solutions LLC. I contacted the company and asked them to please explain how these accounts were opened in my name and to please send me the necessary documents so that I may verify the debt. The man I spoke with said the account had my name, address, and SSN, but the birth date was not mine. I know for a fact that I did not open any accounts recently and that these accounts are not mine. Yhe man said he would send me the documents right away and they never came. I disputed the accounts with XXXX and there is an active investigation. I checked my report again yesterday and found the accounts still under investigation. I also found 7 additional accounts were opened on XX/XX/2018 with the same company : Debt Recovery Solutions LLC. A total of 9 fraudulent accounts were opened without my knowledge or consent and the company knows this was not me but they are doing nothing to stop the activity.
Product: Money transfer, virtual currency, or money service

I was promised a promo package on XXXX from a " trendsetta '' or XXXX XXXX. I payed via XXXX over a period a week. My services were not delivered. I disputed the scam with cash app and requested my money back directly from XXXX XXXX after services were not delivered. I was denied both within XXXX hours. I provided picture evidence and recieved no help. I lost {$570.00}. This happened from XX/XX/25 through XX/XX/25. I was forced to dispute it with my bank ( screenshot included ) and is being investigated by my bank but I have not recieved payment.
Product: Student loan

Reliant Capital Solutions LLC XXXX, OH XXXX I was checking out my credit report and found this collection on all XXXX reports from your company. I called XXXX XXXX to get my unofficial transcripts and found out I went to that school from XXXX XXXX to XXXX XXXX. According to the school, when I signed up for a class is when the debt started. 

This account that this company holds is over 4 years old and as such is over the California Statue of Limitations for debt collection. This date your company has that it was opened is also wrong - the date Reliant put on my credit reports for opened date is XXXX, XXXX. I do not have a promissory note for this debt. There are many inaccuracies in all XXXX of my credit reports. 

As such, I request that you close this old debt out and remove it from my credit score by all XXXX credit reporting bureaus. I am also sending all copies of what you received to all XXXX credit reporting agencies and the Federal Trade Commission Fair Debt Collection Act.
Product: Bank account or service

I deposited a check with mobile phone feacture for a payment check received for my XXXX daughter to my Wellsfargo. Money posted to my account and I tranfered the money to my XXXX 's account. The check turned out to be flaudurent and both our accounts were immediately frozen for all activities pending to be closed in 10 business days. I was not alerted about this action until when I tried to post an online transaction and could not therefore I called the customer service. I went to one of Wellsfargo branch, gave the copy of the check and I opened a police case. I have been a customer with the bank for over 22 years with no issues, and when they froze my account, all bill payments scheduled were not sent although I had positive balance. When Wellsfargo processed return check transaction, a return check fee was posted aganist my account. Also they posted an overdraft charge fee since my current balance did not cover the returned check vallue. I called Wellsfargo and requested them to move the funds from my XXXX account since that account had the money for the posted check and also to remove the overdraft charge but to no avail. Both my and my daugher accounts were closed with no consideration at all especially after being a customer with them for over 22 years and since I was a victim of flaud myself. Wellsfargo sanded me with transactions fees over {$50.00} dollars, my accounts are now closed and I am waiting for the check for the account balance. Their customer service was horrible and the last agent I spoke to hangup on me. I feel violated both by Wellsfargo and the papetrators of the fraud. Wellsfargo should evaluate each case by facts and not have a one policy for all.
Product: Debt collection

Unauthorized use of credit report. Several violations of FCRA, FDCPA, and Truth in Lending Act have happened against me, a Federally Protected Consumer. Before cease and desist was sent I was being called regularly by Monterey Financial Services during working hours and being harassed. They have left multiple automated messages on my phone in which are saved, date such as the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. Also, other violations which were noted in a certified mail letter and delivered by USPS system on the XX/XX/XXXX which include 9 other violations. Monterey is civilly liable for knowingly violating me.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about an inaccurate credit reporting issue concerning a XXXX  XXXX XXXX credit card account that belonged to my late father-in-law. I was added as an authorized user on this account without my request or consent, solely to facilitate purchases on his behalf. I did not accept any financial responsibility for this account. 

Unfortunately, I have discovered that this account shows a 30-day late payment reported in XX/XX/year>, which is now reflected on my TransUnion credit report. This late payment is the only negative mark in my credit history, and I believe it is unjustly affecting my credit score.

As the account is now closed and my father-in-law deceased, I have been unable to obtain any contact information to address this issue directly with XXXX XXXX XXXXXXXX. I have made numerous attempts to resolve this matter, but I have not received any assistance or clarity regarding the late payment that is not reflective of my actions or financial responsibility. 

I kindly request the removal of this inaccurate late payment from my credit history, as it does not pertain to my credit account or any obligations I have incurred. I would appreciate your assistance in investigating this matter and ensuring that my credit report accurately reflects my financial behavior. 

Thank you for your attention to this issue. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous phone calls, emails as well as certified mail sent to innovis, they refuse to remove fraudulent info off my report. Innovis also removed a XXXX  XXXX XXXX account that was open and remained positive which I never disputed.ACCOUNT ENDING XXXXOPEN 2007!!!!! Why is innovis purposely trying to sabotage my credit report? 


all XXXX  XXXX accounts are considered closed via innovis with charge off - all XXXX XXXX accounts open and positive and no positive reporting is reported XXXX XXXX is open and positive, yet innovis reporting closed and negative with no positive months XXXX XXXX XXXX is being reported on legitimate credit report agencies as paid in good standing WITH ALL MONTHS REPORTED POSITIVE AND INNOVIS IS NOT I NEVER OPENED XXXX XXXX IT IS FRAUD XXXX IS NOT LATE FULLY PAID XXXX XXXX XXXX  IS FRAUD NEVER MAINTAINED ACCOUNT I DO NOT USE XXXX XXXX IT IS FRAUD REMOVE XXXX XXXX XXXXXXXX is being reported I don't care if it says requests I can only see I HAVE A XXXX XXXX AND U R LETTING XXXX XXXX ALONG WITH XXXX XXXX   REMOVE IT XXXX XXXX Report # XXXX And XXXX Social sec XXXX - XXXX - XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this letter finds you in good health. I am writing to formally dispute and seek assistance in rectifying inaccuracies present in my credit report, which I believe violate established consumer protection laws. I kindly request the Consumer Financial Protection Bureau 's intervention in addressing these issues and ensuring that my rights as a consumer are upheld. 

I am deeply concerned about the following violations that have adversely impacted my credit report : Unauthorized Inquiry by XXXX Date of Inquiry : XX/XX/XXXX Violation : I have no recollection of authorizing this credit pull, and I demand its removal. 
Unauthorized Inquiry by XXXX Date of Inquiry : XX/XX/XXXX Violation : I have no recollection of authorizing this credit pull, and I demand its removal. 
Unauthorized Inquiry by XXXX XXXX  Date of Inquiry : XX/XX/XXXX Violation : I have no recollection of authorizing this credit pull, and I demand its removal. 
Incorrect Account Information by XXXX Account Number : XXXX Violation : The account 's name and number are questionable. I urge for clarification or immediate removal from my credit report. 
These violations deeply resonate with me due to a personal experience that I feel compelled to share. In [ share personal story here ], I have experienced firsthand the far-reaching implications that inaccuracies in credit reporting can have on one 's life. The financial stress, emotional toll, and loss of opportunities I faced due to erroneous credit information left me feeling helpless and unfairly treated. This experience reaffirms the critical importance of accurate credit reporting and the necessity of consumer protection laws to prevent such situations from occurring. 

Given the gravity of these violations and the tangible impact they can have on individuals ' lives, I earnestly request the Consumer Financial Protection Bureau 's assistance in enforcing the legal framework that safeguards consumers like myself. I kindly ask that you work diligently to ensure that the relevant creditors investigate and address these violations in accordance with the law. Specifically, I urge for the prompt removal of the unauthorized inquiries and the unverified account from my credit report. 

I appreciate your attention to this matter and the vital role that the Consumer Financial Protection Bureau plays in safeguarding consumers ' rights. I look forward to your timely response and the resolution of these violations. 

Thank you for your time and consideration. 

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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  - XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX