23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

XXXXXXXX XXXX  sold my debit to Plaza services writing it off as {$1800.00}. Plaza services who returned made me believe that they were representing XXXX increased my owed amount to XXXX dollars. I agreed to pay Plaza service {$1700.00} on XX/XX/21. Two years later I'm contacted my XXXX XXXX XXXX XXXX XXXX and served papers to attend civil court for a remaining balance of {$1100.00}. Plaza services and XXXX credit have been unwilling to answer any of my request. Plaza services and XXXX XXXX XXXX have continued to try and mislead me even charging on interest on a debit they bought. I never entered contract with Plaza services and mislead me stating they were representing XXXX. Both companies have been unwilling to provide me the loan number. XXXXXXXX XXXX XXXXXXXX even marked through the loan numbers when asked for informantion.
Product: Credit reporting or other personal consumer reports

My account with 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 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  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

I have not initiated any transaction with SYNCB/CARE CREDIT Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with SYNCB/CARE CREDIT for review or collection.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these account from my report, thay are hurting my ability to obtain credit
Product: Debt collection

I already settled this debt in 2013 with the company in front of the courthouse by having my wages garnished every paystubs ( Bi-Weekly ). After almost a year the company stop taking money from my paystubs. So my debt was completely paid as agreed in front of the judge, now they asking me to paid another {$1500.00} balance who I have no idea when this amount came from if they was still charging me interest after the judge rule, I am not going to agreed and paid for this debt because this will be considering a FRAUD .... I want this debt to be removed and stop asking me to paid for a debt already settle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found fraudulent accounts in my report :  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX   XXXX  -  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an item posted on my credit report from XXXX of Illinois, XXXX XXXX XXXX XXXX, that reported negative on my account. I have since satisfied the account as PAID and have attached a copy of the paid notice. This item is reflecting negative on my XXXX Experian and XXXX when I have paid account and the account is now closed. Spoke with representative who stated information should update and reflect on my credit report but it has been over 120 days and no reflection of paid status and removal.
Product: Credit reporting or other personal consumer reports

My credit report indicates that the debt was written off in XX/XX/year>. Could you please provide me with a XXXX for this, or remove this inaccurate information from my credit reports? This situation appears to involve fraudulent activity. Thank you for your assistance.
Product: Debt collection

MEDICREDIT INC has reported a medical collection to my credit report in XXXX of 2019. I received a collection letter from them a month ago and XXXX a dispute as well as called to dispute this amount within 30 days of receipt of collection letter. HOWEVER, medicredit ignored my dispute and keeps reporting this wrongful collection on my credit. Now I'm getting calls very threatening and rude calls on my cell and at work, stating that I will be arrested or issued a warrant if I didn't pay {$5200.00} immediately. They said they will freeze my accounts and levy my wages and arrest me .... how is this legal to do. I have a full medical coverage, I contacted XXXX  hospital who stated they had no past due balances with then that insurance paid all costs and they are NOT affiliated with medicredit. So this whole collection is a FRAUD. Please help me bring medicredit to justice and remove this erroneous account from my credit report immediately and accordingly
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

JPMCB CARD Date of inquiry : XXXX/XXXX/202 does not have a permissible purpose. This company has no legitimate business reason because I do not have a contract, nor have I ever done business with this company. And as per the Fair Credit Reporting Act, for anyone to furnish information on my consumer report a permissible purpose must be given. I have not ever given any of this company permission to report anything, nor have I had any contractual or business obligation with this company. They have used and possessed my information without my knowledge or approval. 15 U.S. Code 1681b
Product: Credit reporting or other personal consumer reports

I recently discovered that my personal and financial information was shared without my consent. This is a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ). I request the immediate removal of any unauthorized records from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was financed with the company back in XXXX due to some financial issues. I had to voluntarily give up the vehicle. A year later estimated was XXXX of XXXX. Since then the company has reported my account as opened when this account has already been. Closed due to the repossession. They are charging me every month as if I have vehicle and as if I am past due Since giving up the car. They tell me the they don't have possession of the vehicle which I have spoken to the repo company and the loan company to voluntarily give up this vehicle. They are reporting to the credit bureau every month as a late payment over twenty four months are showing late since the repo. They are claiming they never picked up the vehicle and don't have the vehicle. I have tried reaching out to find a resolution and can not get them to fix it. My credit is being affected the balance is showing over 28 thousand dollars and keeps growing they keep reporting the payment late every month this should have been closed and reported as a repo.
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 Account XXXX : 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: Student loan

Payment originally submitted to Nelnet for XX/XX/XXXX. Confirmation email received on the day of submittal, XX/XX/XXXX. Upon checking Nelnet website on XX/XX/XXXX ( and several days after that ), that payment is not appearing anywhere in history or processing payments ( Still gone as of XX/XX/XXXX ). 

To avoid past due balances ( WHICH I NOW HAVE INCURRED AS A RESULT OF THEIR SYSTEM ERRORS... ) I created another payment for that day, XX/XX/XXXX. It is now disappeared from the homepage/payment history in the same fashion ( appearing NOWHERE on their site ) and I have a past due balance. Not one payment has cleared from my bank account yet, but I am no longer comfortable submitting another payment to remove the past due balance, as I am not sure if they will all suddenly clear from my bank balance at the same time. 

I attempted to call before making the second XX/XX/XXXX payment, but was on hold for over 2 hours.
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, NY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries in Dispute : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXXXXXX XXXX XXXX Fl XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : First name, Last Name XXXX : XXXX Address : Your Address Sincerely XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address
Product: Credit card

CHASE SLATE sends an advertisement to cardholders claiming they can view their XXXX score by going on line. In order to get the score the cardholder must sign-up for an online account and give their Social Security number. No SS number, no signing up. Maybe CHASE should consider sending the score along with their bill, like XXXX does, instead of forcing customers to make it easier for identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 U.S. Code 1692c - Communication in connection with debt collection If a consumer notified a debt collector that the consumer refused to pay a debt the debt collector must cease all communication, reporting to my consumer report is a form of communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2019 XXXX XXXX XXXX - XX/XX/2019
Product: Checking or savings account

First incident was when I received a charge for a service I was not enrolled in on. I reached out to the fraud department and showed evidence showing that my current account with the same company wasnt responsible for the charge but they still ruled the charge my fault on XX/XX/05. Im also experiencing issues with receiving money back from merchants such as refunds and from pending charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is more than 7 years old but has not been deleted from credit report. Account is also closed but continues to have over 73 charge - offs which is against FTC regulations to report. 

1. XXXX XXXX XXXX {$7600.00} Paid, closed 73 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX 2. XXXX XXXX   XXXX  {$0.00} Paid, closed 16 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$1000.00} Paid, closed 60 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a fraudulent account ( XXXX ) with TransUnion on the following dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their response is the information was verified. I have contacted XXXX multiple times, I can't access the account because my information does not match their information. I have flagged this account through XXXX, filled out their fraud paperwork and did disputes about this account. I have never had XXXX XXXX or owned a XXXX device. I have had XXXX XXXX for the last XXXX yrs if not more. Furthermore the opening date on this account is incorrect. This account was opened somewhere around XXXX. I never paid on this bill because I didn't know it existed until it showed up on my credit report in XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has previously removed this account on my credit report when it came from other collection agencies, as they have been unable to provide verification of the debt and rarely send the notice. However, it continuously finds its way back into my credit report under a new collection agency. XXXX  XXXX XXXX, XXXX has now put this debt on my credit report. Below is a summary of the specific debt from my complaint against the company. 

On XX/XX/19, XXXX responded to a complaint of a collection on my report. XXXX claims to have sent a validation notice on XX/XX/XXXX, however, it was not received. As the general counsel, XXXX XXXX, knows, the right to dispute this debt under 809 ( a ) ( 3 ) of the Fair Debt Collection Practices Act, the right to dispute does not begin until after I am in receipt of this notice, which I still am not. Like general counsel states that the company has contacted XXXX XXXX XXXX about this alleged debt, however, almost one month after his response on XX/XX/19, I have received neither an initial notice in the mail not verification of the debt to prove I owe it, which XXXX offered to provide upon receipt from XXXX XXXX XXXX. XXXX clarifies that my name is not mentioned in the report, has a different address, and does not provide either, however will not remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am following up on the claim # XXXX that was closed after the company responded and i was unable to respond to that claim so I open this case as a follow up to express my frustration and anger. Like i said it was a Bank fraud and my computer was compromised at the time the money was transferred on XX/XX/2020, with the description of XXXX XXXX XXXX # XXXX ; XXXX, XXXX. Recently I also filed the police report on XX/XX/2020 and I also found a suspicious IP address that was recorded in my XXXX account that shows it was signed out at exactly XXXX XXXX  XX/XX/2020 when the XXXX transferred was also initiated at XXXX XXXX, XX/XX/2020. I am attaching here a new set of documents where it shows the browser version and the IP address that belongs to me compare to what the perpetrator use. I also attached here a screenshot of my email showing a bunch of verification code request from the perpetrator. When i login to my computer for the past 5 years it does not ask for this information. This detection is clearly triggered by the Bank finding suspicious activity in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft these consumers are still validating information incorrectly although Ive already complained that Im a victim of identity theft to all major credit bureaus monthly they are still saying its a balance placing calls to my phone mailing things to my address and again I have no knowledge of these fraudulent accounts XXXX XXXX XXXX XXXX XXXX Gold star finance XXXX XXXX XXXX these accounts need to be removed ASAP its messing up my lively hood and they are reporting Fraudulent accounts
Product: Credit card or prepaid card

I contacted Citi bank Sears card on XX/XX/2020 to make 1 payment arounda {$90.00}. The agent set up the full past due balance. Today I as transfer to a manager named XXXX that said the process would take 20 business day. I explained and complained of the error and how it was not acceptable. XXXX cut me off stopped speaking all together then hung up the call with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was removed by XXXX and XXXX, but Transunion hasn't removed the debt. This car was in a flood and it was totaled by my car insurance XXXX for over XXXX. This loan was taken out with XXXX XXXX XXXX at their dealership for a cracked windshield they refused to pay for with a brand new car taken out at their dealership. They were paid off for this car. I was only responsible for XXXX of this lease they were paid for the whole car now XXXX is reporting this on my credit as a Charge off and this was already filed as a loss with the IRS so why is XXXX and Transunion refusing to remove this from m credit report. Please help get this removed. They never sent me a XXXX either for my to claim this on my taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   & E xperian are reporting an old tax lien and it is inaccurate. It was a pre-lien and it should have been less than {$1000.00}. I have never had taxes that high. It was released shortly after but how is it valid they can just put whatever amount they want on your credit and its valid? The State of Ca even says it was an error.   I thought there is a new law coming into affect  XXXX / XXXX / 17  regarding public record reporting? This needs to be deleted as it is completely and utterly INACCURATE!!! NOT VALID!   a $  XXXX  pre-lien for maybe {$900.00} worth of taxes for a current year?     How can they even give you a lien for a year that has n't even ended yet so you can file taxes?
Product: Credit reporting or other personal consumer reports

The name on my credit report says : XXXX XXXX and XXXX is WRONG. My NAME is XXXX XXXX, my drivers license says it and my social security card says it. Also, I have asked them to fix it multiple times. ALSO, they need to remove the Personal Statement on my credit report because it too is WRONG with the WRONG telephone numbers on it that I do not recognize and I am a victim of identity theft.. They are ignoring my request. I have requested both of these things at least 3 times already. Please help.