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

I submitted a dispute with the credit bureuas for them to look into a few accounts that are reporting that i'm not aware of. I have not received anything to update me on the status of these accounts or if they're looking into it or not. 

Letters sent to the bureaus on the following dates : XX/XX/2021 XX/XX/2021
Product: Credit reporting or other personal consumer reports

On this complaint listed is my FACTUALLY TRUE, VERIFIABLY VALID AND CORRECT CURRENT requisite reporting PERSONAL IDENTIFIERS. Please REMOVE ANY OTHER PERSONAL IDENTIFIERS not mentioned, requisite reported, and or NOT EXACTLY as I have above noted is most appropriate OR ELSE CERTIFICATE your right to report erroneously and or deficient of evident compliance of factual reporting particularly in relationship to mandatory perfect PROCESSES of lawful reporting and the mandatorily perfect and complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear  XXXX   XXXX   XXXX   XXXX  : I have been an account holder since  2014  and during that time I have enjoyed my experience greatly I am writing to see if you would be willing to make a good will adjustment to your reporting to the  XXXX  credit agencies I have two late payments on the above referenced account that date back to    2014  since that time I have been an exceptional customer paying every month on time.     Because of my exceptional payment history over the last  XXXX  years. I would like you to consider removing the negative payments from my credit report. At the time of the late payment I was put on bed rest my last month of  XXXX  no pay. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that  XXXX   XXXX   XXXX  is willing to work with me on erasing this mark from my credit reports.     I have been a very happy customer in the past and hope to continue a long relationship. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers.   XXXX   has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why is heads above the rest. I look forward to your reply.     May  XXXX  please remove all negative remarks off my credit report. In good faith.       Sincerely,
Product: Credit reporting or other personal consumer reports

This is my second dispute regarding the inaccurate personal information that remains on my credit report, and I demand immediate corrective action. The continued reporting of this incorrect information violates my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b, which restricts the use of consumer reports to those with a legally permissible purpose. Furthermore, the credit reporting agency is in direct violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy in the information they report. By failing to correct this inaccurate personal information despite my previous dispute, the agency is engaging in willful non-compliance with federal law. Under 15 U.S.C. 1681n, such violations make the responsible parties liable for statutory damages of up to {$1000.00} per violation, punitive damages, and legal fees. If this matter is not resolved immediately, I will pursue all available legal remedies to enforce my rights. I demand the immediate removal or correction of this inaccurate personal information from my credit report and require written confirmation of this correction without further delay.
Product: Vehicle loan or lease

1. Car got repossessed in private property. Withing XXXX days of repossession, I was supposed to received a certified letter, with a reinstatement and option to buy back the vehicle, this was never received. 

2. At least 10 days prior to sale, I am to receive a notice of sale. Never received this notice. Making the company to break the law once again. 

3. Never got notice of deficiency post sale. 

4. Amount being reported it's unverifiable.
Product: Credit card

I am a victim of romance fraud. In XXXX an ex-boyfriend of mine, XXXX XXXX, asked if I could help him build his business credit. He told me he would use me as a guarantor for a few cards and would make one or two charges then pay the cards off to help build up his credit. I foolishly agreed and gave him my personal details ( ssn, address, DOB, email/pw ). With my knowledge he opened 3 cards ( XXXX, XXXX, and XXXX ). WITHOUT my knowledge he also opened Amex, XXXX and several other cards. He then ran up over {$60000.00} in charges across the cards. He also without my knowledge added me as a registered agent to his business. When I found out what he had done I confronted him. I removed him from all the cards and forced him to start making payments on the cards. He would send me some of the money and I would go on the website and post the payments. In XXXX he stopped sending any money, and stopped making all payments. This was done after another woman was able to get a judgement against him for {$30000.00} that he frauded her out of by cashing a check in her name. 

I filed a police report about the incident on XX/XX/XXXX with the city of XXXX. They were unable to open an investigation because they said the cards and incident occurred when I lived in XXXX, Ny, so all they could do was forward the details to the XXXX, and advised that it would be up to NY to start a case. I flew back to NY to file a police report there but they were unwilling and said this would need to be a civil matter. 

I reached out to both XXXX and Amex in XXXX when this first occurred, and was in touch with them yearly since that date. I have since opened XXXX fraud cases with Amex ( XX/XX/XXXX and again in XX/XX/XXXX ), and XXXX with XXXX ( XX/XX/XXXX ). All of which were ruled against me. The banks basically told me that in order to have won a fraud case for these cards I would have needed to call them when it first occurred, and not after making payments. I have contacted the FBI to report the identity theft, as well as having my credit frozen in XXXX so he could not continue to use my information. 

I am aware of XXXX other women that XXXX has also frauded, as well as his daughter, who he also frauded in the same manner in which he did me - opening XXXX credit cards using her information. 

I provided XXXX and Amex the police report, as well as the information regarding the report I left with the FBI and neither institution is willing to help me. They basically told me that because I made payments towards the debt I was assuming the liability. They have both reported the delinquent accounts to the credit Bureuas, bringing my credit from XXXX to the upper XXXX. Neither XXXX nor Amex is willing to help or listen. They call my family members regularly asking for me and saying they are attempting to collect a debt - a debt that I have repeatedly told them is not mine! 

I reached out to all 3 reporting credit bureaus and none of them are willing to remove the negative accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management is in violation of 15 USC code 1692e by reporting a derogatory account that shows the account type as a " debt buyer '' on my XXXX report while also reporting it as a collection. On my XXXX report they are reporting account type as a " Factoring Company '' while also reporting it as a collection. And on my XXXX report, they are reporting the account type as " Debt Buyer '', while simultaneously reporting it as a collection. 15 USC code 1692e clearly states that it is a violation of federal law. 

In addition to their violation above, on my XXXX report they are also reporting the account as closed and are not reporting the date is was closed. By doing so they are inadvertently attempting to reage the account. The Fair Credit Reporting Act says that reaging an account is illegal. 

They are also reporting a balance other than XXXX which is also incorrect. 

Midland Credit Management must close this negative account, and permanently delete it from all credit bureaus that are currently reporting it under my social security number.
Product: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate these inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling people 's credit without permissible purpose, and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : I have tried to contact every one of the company listed and most of it do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? 
DEPT OF ED Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There is incorrect personal information on my credit report, which has led to an unfamiliar and inaccurate account being linked to me. I have been a victim of identity theft, and my information was used fraudulently, resulting in an account that I have no connection to. As instructed by Equifax, I filed an FTC report and provided all necessary documentation, yet this fraudulent item still remains.
Product: Credit reporting or other personal consumer reports

Midland Funding XXXX XXXX XXXX XXXX XXXX, CA, XXXX Re : Cease and Desist of Collection Activities Dear Midland Funding, I am writing to formally request that you immediately cease and desist all collection activities related to the alleged debt in your possession. 

I have no knowledge of this account and have requested original purchase agreement with wet signature. 


Please be advised that any further collection attempts, including but not limited to phone calls, letters, or legal actions, will be considered harassment and may result in legal action. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX  Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX. XXXX XXXX XXXX : XX/XX/XXXX. XXXX XXXXXXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX SERVICES XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Department of EducationXXXX, Comenity Bank/Victoria, and XXXX XXXX XXXX  XXXX. The Account Opened is Department of Education/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. The Account Opened is Comenity Bank/Victoria Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}. The Account Opened is XXXX  XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit card

I received a bill for an annual charge for a card that I have not used in over a year. I did not see the bill until I received a bill the following month for a late fee and interest for the original {$18.00} membership fee. The new total was {$33.00}. 
I called and closed my account, but they insisted that I still owned them the {$18.00} annual membership fee. Every year up until now they have waived the fee, until now. 
This is not fair or customer friendly.
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. 

XXXX : # XXXX, XXXX XXXXXXXX : # XXXXXXXX XXXX XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX BANKRUPTCY : # XXXX XXXX XXXXXXXX, Unknown : # 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: Credit reporting

Dear Experian, on your respond you indicated that ( The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumer 's profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that Experian does not receive a copy of any applications made to credit grantors. You may wish to contact the creditor directly for that information. Therefore, we must respectfully deny your request to remove the inquiries at this time. ). I have contacted to the creditors and they have send to you ( Experian ) and to me a letter that they removing the hard inquiry, but somehow it is still, and shows on my credit report. 
Also, I am requesting that you open on dispute on hard inquiries for other creditors that they pull my credit without my authorization. Again, creditors who have access my profile and make a hard inquiry I did n't authorized them to do it, that is why I 'm requesting you to remove and or delete from my file. Now I am requesting from you Experian to send me a proof that I authorized this hard Inquiries listed on my letter. 
Moreover, see attached letters from banks, that they send me and send you Experian, to remove inquiries from my credit file, but the inquiry is still showing on my credit file, from XXXX, XXXX and XXXX. 
Now Dear CFPB, this agency ( Experian ) telling that they providing accuracy but looks like they not, we have actual letters from creditors and they still playing with me. I really mean it if this time they not going to honor this my request and remove this inquires I will move forward and make a legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL FTC VIOLATIONS REPORTED TO THE FTC AND NOW YOU COMPANIES : XXXX XXXX XXXX XXXX  {$610.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX  XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$610.00} High Balance {$610.00} Remarks -- XXXX XXXX XXXX {$500.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$500.00} High Balance {$500.00} Remarks -- Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 75 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$4500.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3000.00} Times 30/60/90 Days Late 3/3/2 Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX Account Type Deposit Related Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$230.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 39 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$100.00} Highest Balance {$98.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/3 Remarks Fixed rate
Product: Debt collection

This debt with portfolio recovery associates is well past the 8 year collection mark. It is no longer in collections or listed in credit reports. I recently paid off another card account, since that time whej they received my cantact info they have started calling day and night multiple times per day from random numbers so they cant be blocked, and mailing letters stating I owe XXXX. I have asked them to stop with no resolve. I am now reviewing legal action and options for myself.
Product: Vehicle loan or lease

I paid off the balance of my auto loan to PNC Bank and they claim to have mailed out my title to the proper address on XX/XX/2020. The title never arrived in the mail. I spoke with the company as well as with a supervisor who told me that it was sent with regular mail without tracking or a signature requirement. They refuse to help me from their end with resending a new copy of the title. This is an clear situation of negligence on their part, no one would ever send their own original documents in such a fashion, without tracking or a signature, however they have no issue going the cheap route with the customers documents without being prepared to take action to help in such a case. They can not have it both ways.
Product: Checking or savings account

PLEASE UPDATE INFO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ON BOTH DDA AND SAVINGS ACCOUNT S.
Product: Credit card

I called the Capital One company stating that i was unable to log into my portal due to phone number change. they told me they were unable to do over the phone and could not help me. Stated they would send something in the mail and have not done so. I would like for all delinquency to be removed from my credit report. I stated to them that my phone number had changed and they would not verify. I also uploaded a photo of my id in XX/XX/XXXX  via the email from Capital One. 
I also had stated that my payment had been late before due to XXXX XXXX and bed rest.
Product: Checking or savings account

A lot of my zelle transactions went to the wrong number for individuals or specific business numbers that changed and I was nit able to retrieve none of the money back. After checking with the bank to try to retrieve my money I was not able to get the assistance I need to get my money back.
Product: Vehicle loan or lease

Ally financial institution have been In contact with me about repression of the vehicle which I'm leasing at moment thru a loan and I never have been this far behind on payments unfortunately for me I have been laid off and fired from 3 recent employers due to a chronic health condition XXXX 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 XXXXXXXX XXXX I explained that to them which the operators was understanding and definitely tried to work with me but unfortunately for me it doesn't help me in which now I have no choice but to wait on my decision for my XXXX claim. If you can assist me with this matter It would greatly be appreciated.
Product: Credit card or prepaid card

ON XX/XX/XXXX I MADE MY FULL PAYMENT OF {$1500.00} AS I do every single month for the past 10yrs. I pay off my entire balance with my social security disability I am an XXXX  wounded Veteran. I use this card to pay all my monthly Bills. Then out of No Where the money was posted on XXXX of XXXX Giving me Zero Balance and They shut my card off until XX/XX/XXXX giving me No reason why they are doing that. This has created Huge Financial Hardship for me making me late on all my other accounts I pay monthly Not including all penalties & late fees
Product: Credit reporting or other personal consumer reports

This grumbling to EXPERIAN was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it.

As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 that are reported 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  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