23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Victoria 's Secret Credit Card I was charged a late payment fee of {$29.00} on XX/XX/2020. Noticed 3 days later that I was late for my payment. I emailed them right away and they answered that they could not waive the late payment. I called a day later to ask them if they would be able to waive the late payment but the representative said they would not be able to. Payment reminders for this credit card are tricky because they do not offer automatic payments or payment reminders, therefore I simply forgot to pay ( I mentioned that on the phone call as well ). 
Still they could not assist me and waive it, nor do they offer any services that will remind you to pay your bill a few days before.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX LOAN PURCHASES XXXX ) XXXX Balance : {$3900.00} XXXX XXXX XXXX OF XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX OF XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I.C. Systems, Inc. XXXX XXXX XXXX XXXX XXXX, MN XXXX continues to place false and misleading information on my credit report. I have contacted both of these creditors notifying them that these are fraudlent accounts. XXXX has sent me a letter stating that they had removed the account from my record put this company I.C. continues to place it on my credit report.
They have also lied about the date it was not opened on XX/XX/XXXX.
I have letters from the DOJ they have arrested the people who used my Identity. I.C. Systems is using fraudulent means to obtain monies.
Derogatory marks View all accounts COLLECTIONS I.c. System Inc. Opened XX/XX/XXXX + {$100.00} Original creditor : XXXX XXXX I.c. System Inc.
Opened XX/XX/XXXX + {$53.00} Original creditor : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. In 2016 a debt was incurred for " XXXX XXXX '' using my social security number ending in XXXX for XXXX XXXX XXXX. This debt does not belong to me, has not been validated, and the collection agency as well as XXXX is till reporting and the investigation has exceeded 30 days without validation. I have called them and they have refused to speak to me because the debtor is " XXXX XXXX ''. They are not in compliance with FDCPA nor federal consumer protection laws. Their inaccurate reporting has adversely affected my quality of life and has caused undue hardship.
Product: Vehicle loan or lease

I spoke with a customer service rep on XX/XX/2021 about the XXXX XXXX  being removed from my XXXX. She had no answers other than corporate removing account due to system changes. I requested that the account be added back and she did not know how to do so. She also said I should receive a notice. As today, XX/XX/2021, there has been no notice and no account has been added back.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/2020 I wrote Equifax and they failed to reply within 45 days to verify these inaccurate accounts.
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. 

Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # 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 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: Debt collection

XXXX dated : XX/XX/24 Requesting payment amount of : {$XXXX} I am writing to formally file a complaint against XXXX XXXX XXXX XXXX due to their repeated and harassing phone calls, which have become an ongoing issue. I am unsure of the legitamacy of the debt collection as I tried working with the named creditor and was not made aware of account being transferred to this debt collector agency. 

They call every day and multiple times a day. Despite my requests for these calls to stop, I continue to receive them multiple times a day, including on my work phone. The calls are originating from different phone numbers, making it impossible for me to block them effectively. 

This relentless behavior has not only disrupted my personal and professional life but also caused significant stress. I consider this conduct to be a violation of my consumer rights and an unwarranted invasion of my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, CFPB please remove the accounts asap XXXX   XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX
Product: Debt collection

Convergent XXXX Started receiving calls from them end of a XX/XX/2021. They call approximately 2-4 times day. No voicemail is ever left. Some calls show as missed others show as incoming 4-6 seconds.. odd. I have no business with Convergent nor any credit report items found. Unknown contact
Product: Credit card

Banana Republic ( Synchrony Bank ) ran my credit four ( 4 ) times XX/XX/2015 for a department store card I opened. The dates the Transunion reports were run are : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, and XXXX/XXXX/2015. My credit is monitored by XXXX, and they facilitated a call between myself and Banana Republic. In the call, I specifically asked why my credit report was run four times for XXXX department store card. They said they do not know and would send a letter. The XXXX representative told me privately that it looked like XXXX accounts were open in my name, even though I had only requested XXXX account. I had also requested in 2015 that my Banana Republic card be cancelled, by calling a store representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

UNIVERSITY XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted a written request to XXXX, XXXX, and Equifax asking that they remove the inaccurate addresses and jobs listed on my credit report. I also provided them with appropriate information which verifies my identity and also verifies my address. I also understand that XXXX, XXXX, and Equifax must contact me within 30 days to either notify me of the results of my request or provide me with an updated copy of my credit report. They have failed to do any of the above. Per the Fair Credit Report Act, ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. '' As reflected, XXXX, XXXX, and Equifax is reporting inaccurate information which is against the law. 

Please delete the following addresses and jobs as they are inaccurate : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please list my address as the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please list my job as the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached all letter that were sent to Experian and also follow up letters that were sent to them as well with certified receipts. Please
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to unfair practices and inadequate customer service. this violates the CFPA act. Cash app failed to take timely and effective measures to address and prevent fraud on their platform leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive and it did not comply with EFTA and Regulation E. These actions have caused a severe financial loss and I seek appropriate redress from these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was frozen by the creditor and a statement of {$89.00} was still post on XX/XX/2017. I made several calls since then and talked to multiple account managers. The final decision was my account would be handed over to another department for review and close down. The creditor kept reporting delinquent account to TransUnion and XXXX  during that period. I couldn't access my account since it was frozen. There's nothing I can do with my account. It is extremely unfair to do this to me.
Product: Debt collection

I got a text from the number XXXX ( XXXX ) XXXX, stating that I owe {$700.00} or something to a place I only lived at for a few months and never owed anything to anyone a few years back. I looked up the number and its been reported with many scams. But they sent me links and phone numbers to the national recovery agency, NRA. The link sent me to a website that was extremely scam like. When I went to look at the actual NRA website, it was completely different. 
XXXX XXXX XXXX  XXXX & XXXX And the email they sent was XXXX Which Also seems really sketchy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TEXAS XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Credit Report Information Dear Sir/Madam , I am writing to request an immediate update to my Equifax credit report. I have noticed that while my XXXX and XXXX credit reports are showing my complete and accurate credit information, my Equifax report is missing several critical pieces of data. 

To assist you in verifying my identity and updating my credit report, I have enclosed copies of the following documents : 1. My Social Security card 2. My driver 's license 3. Proof of address ( utility bill/bank statement, etc. ) It is essential that my Equifax credit report accurately reflects my credit history, as discrepancies can adversely affect my credit score and financial standing. I kindly ask that you review my file and update it as soon as possible to ensure consistency across all major credit reporting agencies.

Please confirm receipt of this letter and the enclosed documents and inform me of the actions taken to correct my credit report. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

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

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Case Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : **** Delete this account. 

5. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting XXXX  Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXL Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX 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 XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 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. 

16. 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. 

17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

18. 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, credit repair services, or other personal consumer reports

I was confused about some reporting on my credit reports among the XXXX bureaus. None of it was consistent so I sent letters to the original creditor, and I copied all XXXX  bureaus with my concerns. 

Equifax responded by removing missed payments from my report, but LOWERING MY SCORE XXXX points! XXXX responded by denying the dispute although I asked for clarification from my original creditor, not the debt holder. 

I also sent a letter asking that all addresses and phone numbers be removed from my report, and that has yet to happen. The addresses and phone numbers I do not recognize, and I provided my updated information. 

Upon further investigation, I learned that the reporting is NOT Metro 2 compliant. Which explains my confusion.
Product: Money transfer, virtual currency, or money service

Me and 5 other tenants had our money orders stolen from our rental drop box on XX/XX/XXXX. called western union to report. they had me pay XXXX to proses. and on the XXXX they told me it was cashed, that being said they sent me an affidavit I paid to have it notarized, gave my address, rental information and copy of police report, mailed to their office on XXXX paid for 2day delivery, Now its XX/XX/XXXX and as of yesterday they claim they still have not gotten my personal and privet info??? I called USPS and had a rep to look up tracking number ( because I paid for postage ) AND CONFIRMED IT WAS DELIVERD ON THE XXXX OF XXXX  @ XXXX!!!!! I just spoke with the postmaster in Colorado because they have opened up an investigation and told me through verification their carrier picked up my mail, and delivered it to the facility, something is not adding up I would applaud ANYONE WHO CAN HELP ME I PAID FOR FEES AND STILL HAVE MY XXXX RENT MONEY UNACCOUNTED FOR AND THEY ARE RUDELY DENIYING ME TO SPEAK WITH THE FRAUD DEPT. PLEASE HELP IT IS MY PERSONAL INFO FLOATING IN THE COUNTRY??
Product: Credit reporting, credit repair services, or other personal consumer reports

birth year is wrong, i was born in   XXXX
Product: Credit reporting or other personal consumer reports

I obtained my TransUnionXXXX credit report online . There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Courts have given me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed TransUnion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

due to the inaccurate information on my report I'm not able to get housing a car are money for school and all my accounts have been closed ples update my credit report and send me my free report and send a copy to all My banks
Product: Debt collection

Enhanced Recovery Compan has reported an account in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Product: Credit reporting or other personal consumer reports

It seems that my credit file with XXXX and Equifax has been compromised. Upon reviewing my records, I've noticed numerous entries that are not associated with me. As I am meticulous when it comes to research, I've discovered that, according to section 605b of the FCRA, the Credit Bureaus are legally obligated to remove these unauthorized inquiries, which have resulted from identity theft. These disputed inquiries are not part of my history. I've attached the necessary FTC Report and the bank 's records, as both parties necessitate them based on my further research. Kindly proceed to eliminate these inquiries. If there is a chance that these inquiries are legitimately mine, I will require all documentation bearing my signature. My research has indicated that you are required to verify these inquiries with 100 % accuracy to confirm their authenticity, correctness, completeness, and verifiability. Failure to provide any records and asserting that the inquiries are verified would compel me to pursue legal action. I do not tolerate games, and neither does my attorney. Therefore, I kindly request that you comply with the law to expedite the resolution of this matter : XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to request some delinquencies to be updated on my credit files I know the account was charged off and I settled for a less amount of the balance. During the time of the delinquencies I was going through a really hard time in my life due to medical issues that kept me in the hospital for months and not being able to pay my bills in a timely manner. I am working to back track and fix all the issues my health has caused. I am requesting for a update of delinquencies that are reflecting from XX/XX/XXXX until the account charged off. If it was not for me being in the hospital starting in XX/XX/XXXX up until XX/XX/XXXX I would of tried to make sure I was faithful to my obligations. The account is also still showing open on my XX/XX/XXXX credit profile I am not sure if this inaccurate information that is reporting. I am requesting that it is updated to reflect closed.