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

I am writing to formally dispute inaccurate information on my XXXX credit report. Upon reviewing my credit report, I noticed discrepancies regarding my Citi card account ( Account Number : XXXX ). The report inaccurately indicates two consecutive 30-day late payments for XX/XX/year> and XX/XX/year>. This account has always been paid on time, and it is not possible to have two consecutive 30-day late payments. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information reported is accurate and complete. Therefore, I am requesting an immediate investigation into this matter and an update to my credit report to reflect these payments as on time. 

Please find attached a copy of my credit report with the disputed entries highlighted. I expect this issue to be resolved promptly and for my credit report to be updated accurately. 

Thank you for your understanding and swift action in correcting this error.
Product: Debt collection

I am disputing my account being sent to collections. My account was only 60 days pass due. I live in a rural area and the post office it opens and closes while I am at work. I am not disputing paying my bill but I owe only {$140.00} pest control service " XXXX XXXX XXXX XXXX '' the collection company is " A collection Agency sent me a letter saying my account was in collections and increasing the balance with interest. I called the agency and the pest control company and they said my account was in collections. I told them my situation with post office, I also lost my key XXXX XXXX key reason I could n't get mail since my XXXX XXXX was under my name. Anyhow I told them my account is n't 180 days pass due it should have not been in collections nor should my account be collecting interest if it is in collections as a charge off account. I told them it 's illegal to collect interest on a charge off account. They refuse to listen. I mailed my payment just because I know owe {$140.00} not paying interest but I would like for you to check there ethical collection pratices
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Product: Vehicle loan or lease

In XXXX, i noticed a credit report remark in an email sent to me, saying Ally charged off my account. I called immediately and asked why it said that and what i could do, i have been trying for the past few months to get ally to work with me. I asked for lower payments and as well to have all late fees removed due to my hardship from covid. I have had nothing but issues with ally, they dont ever work with me in pleading for help. They refuse to actaully help you with your situation and rather just charge it off. I no longer even want to have the loan, i want to rescind my loan with them and get back all the money i have paid. I know my rights with consumer laws and i am asking for a rescission with the loan agreement i made with ally and i would like the title of my car to be released since ally has charged off the account, to have the lien removed and title sent directly to me in my name. Allys obligation with the car has been considered charged off and i no longer have an open account with them, i would like to remove any and all derogatory/negative/late remarks from my credit report immediately. I want the account to be changed to positive or settled in full or a completed status. I will not hesitate to look deeper into my rights as a consumer and take legal matters if necessary if ally does not cooperate or release the title held in their possession to me with no lien as well as my full refund of the total amounts i have paid, around {$8000.00} approximately. Please respond and mail all requested items directly to me within 7-10 days. If i do n ot hear a response or receive requested documents and refunds, i will seek legal proceedings afterwards. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report has over XXXX plus inquiries that I am not responsible for
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX / 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 : States a consumer reporting agency can not furnish a account without my written instructions.

I was promised this account would be removed from credit report by a representative of this company. This company has violated my rights and have not honored their promised as agreed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a verification letters of some medical bills on XX/XX/2021 ( it's been over 90days ) and i did not get a response from XXXX, XXXX or Transunion. Also i sent another letter XX/XX/2021 ( it's been over 30 days ) to request a reply and i am being ignored again and again. I have not received any communication regarding this debt from these company, or a courtesy of replying to my letters and it is very frustrating. 
Section 611 ( a ) clearly states that failure to investigate these items within 30 days results in an automatic deletion from my credit report. 
Their negligence has caused me distress and is hampering my ability to obtain a house.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an alert from Affirms app on my phone, regarding new details of current loans on my account with Affirm. I signed in and saw two new loans I did not recognize. One Loan for an XXXX Order placed using Affirm as payment method for {$52.00} processed on XX/XX/XXXX and another order placed through XXXX using Affirm as payment method for {$190.00} processed XX/XX/XXXX. 

I disputed them through their help center XX/XX/XXXX thinking nothing of it. That it would be resolved quickly. 

Wrong, over the course of several weeks, I was communicating on the app with their help center about these loans. They were adamant about the fact that they were mine. Pointing nothin much of a truth disclosure that on every loan after you submit one and its processed. This disclosure is nothing more then general Terms and Condition from any product.

The details of the loans shows little to no details. They show the amount of the loan, the separated payments on such days and the name of the place where the order came from. 

I searched my accounts with XXXX and XXXX, I do not have such orders during that time period or amounts. I contacted XXXX and XXXX sometime during XXXX and they came back confirmed there were no such orders. There are no charges on my bank account stemming from these loans and the XXXX loan had a {$10.00} payment on XX/XX/XXXX which I do not have any charges on my bank account for that. 

I confirmed to tell Affirm that this information from the merchants, and they still said it was my loans and my responsibility. Over months of talking to them and arguing my point, the XXXX loan was charged off on XX/XX/XXXX by them as bad debt to collections or credit bureau 's. 

I have tried everything to avoid that outcome and I am tired of talking to Affirm. I am filing a complaint of Fraud/Scam of two loans thats not mine with Affirm.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am creating this statement. It has come to my attention that there have been several accounts under my name fraudulently my information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 US Code section 1681-C-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies this information that results from alleged identity theft. Also, 15 US Code 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The listed accounts never have received written instructions from me to report anything on my behalf.

Additional Unauthorized Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections XXXX ( a ) ( XXXX ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX, XXXX, NC, XXXX, XXXX  XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS. ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DA
MAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT ONE THOUSAND PER VIOLATION OR REMOVE ACCOUNT!
Product: Checking or savings account

On XX/XX/XXXX, I identified 2 different unauthorized transactions for just under {$5000.00} each made within the last week. Both transactions were titled as " Bill Pay ''. I immediately called Wells Fargo to dispute the transactions and file a claim. Banking associates identified both transactions as happening through a service called XXXX, which I have never used. Banking associates declined to cancel the transactions as they were still pending, but went forward with an investigation. My claim was eventually denied, and the bank told me they believe the transaction was completed by me or authorized by me. Following the date of these transactions, I have tried to make an account with XXXX to find out about these transactions but I could not find a record of them.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX there was a charge to my BJs Mastercard issued through Comenity Bank for XXXX to XXXX XXXX  in XXXX WY. I did not make this charge. I called the fraud department and they said they would look into it. They also told me that the address that I had provided was incorrect. After some digging I realized that the address on the account had been changed the same month that the fraudulent charge was made. At this time I paid the account in full ( with the exception of the charge for XXXX ) and did not use it again. 

Comenity issued me a new card, changed the address back to my correct address, and on the XX/XX/XXXX statement credited me incorrectly for a charge of XXXX ( which I did make on XX/XX/XXXX ). I have tried to get them to correct their mistake but they are acting like they can't see the charge for XXXX. I have not used this account since I paid all of my charges off. I should have a XXXX balance but this fraudulent charge continues to gain interest and late charges and it is now over XXXX. 

I spoke with someone from account services and she told me she understood but that the fraud department had to fix this. She also told me that the accounts were going to be handled by another bank and once that transfer went through there was nothing that could be done about this bad charge. 

It is extremely difficult to reach someone from Comenity by phone. I've waited between 40-60 minutes on hold before I could talk to someone and their people do not seem to know what they are doing. I really need help, my credit score took a huge hit because of their negligence. I'm frustrated and I'm worried.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting wrong information on a XXXX XXXX XXXX account, I have disputed several times, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021, They just say every time that it comes back verified and updated from their XX/XX/2021 investigation, The account numbers are wrong, ( Incorrect ) The amounts owed are inccorrect, Payment displays are incorrect. They refuse to hear my complaints. 
Amounts owed are very irregular and not consistant to what I have paid on the account. 
I have tried to call them and ask them to investigate properly and they hag up on you. 
They will not take the dispute. XXXX says that they are reporting. XXXX and Equifax are not reporting the account correctly, It is hurting my credit score. I recently made a very large payment on the account and Equifax and XXXX refuse to show this also on my reports.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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.

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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

It is against the law to report transactions or experiences between the consumer and the person making the report. The term " person '' is DFCU the corporation and the " consumer '' is me. You have violated my rights according to 15 U.S. Code 6802 and 15 U.S. Code 1681a ( 2 ). The illegal late payments that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. 

You have also inaccurately reported my information on numerous accounts. I request that the inaccurate accounts be deleted from my consumer profile. I've attached the inaccurate information on my consumer report and highlighted it in red. 

I request that you promptly delete all late payments and send me an updated copy of my credit report within 30 days of your request that you fully comply with the law in my request. Should you fail to make the requested deletions, I request that you provide me with your permissible purpose for reporting each account on file in writing and copies of the written instructions of the consumer ( me ).
Product: Checking or savings account

Ive been banking with CHIME for years Ive had my card stolen and funds no reimbursed and now i have an issue with proof of missing items and canceled proof from said company who is refusing to refund me and now Chime who claims to be FDIC insured has also denied my claim I actually question the integrity of their insurance at this point they never help their consumers Im looking for the next steps to take enough is enough.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, IL XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Hard Inquiries on Credit Report I am writing to dispute unauthorized hard inquiries on my credit report that I believe were not made by me or without my consent. These inquiries have negatively impacted my credit score, and I do not recognize or recall authorizing them. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I have the right to have these inaccuracies investigated and removed if they are found to be fraudulent or made in error [ ^1^ ] [ 1 ].

The Metro 2 Compliance standards, which are designed to ensure accurate and fair credit reporting, further support my right to dispute these inquiries. As such, I expect that TransUnion will adhere to these standards and conduct a thorough investigation into each inquiry listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Reported XX/XX/XXXX Please provide documentation that verifies I authorized these credit pulls. If such documentation can not be provided, I request that these inquiries be removed immediately from my credit report. 

I am aware that credit inquiries can have a negative impact on my credit score, and I did not authorize these inquiries which I believe to be incorrect. I request a prompt response to this dispute within the statutory 30-day period as required by the FCRA. 

Thank you for your attention to this matter. 

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

This is my other 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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Debt collection

There was a XXXX committed on me by than spouse I filed XXXX in which manager of apartment complex served than spouse. My yearly lease was up month prior and I signed a one month lease informing manager I would be moving next month. So upon restraining order I moved. Than spouse and manager were in an agreement which I was not apart of that he was staying in residence. Than bill he actually owed fell on me when he could not be contacted 6 months later due to being incarcerated for another domestic violence on myself. I sent copies to form as proof. Than suddenly it showed on my credit report I owed.
Product: Credit reporting or other personal consumer reports

Review attachments Dear XXXX XXXX XXXX, I trust this letter finds XXXX  well. As a federally protected consumer, I am reaching out to XXXX  certain discrepancies identified in XXXX  XXXX  reports, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I view these discrepancies as an account of services rendered inadequately and seek rectification. 
Enclosed with this letter, XXXX  will find what I refer to as " XXXX, '' each representing distinct instances where I believe XXXX has fallen short of its obligations under the FCRA. For the sake of clarity, I will refer to these " XXXX  '' as individual line items on this XXXX. Please review the attachments to this complaint in its entirety. 
Invoice for Rectification of Fair Credit Reporting Act ( FCRA ) Violations Count No. Description of Violation Invoice Amount XXXX Negligent Noncompliance with XXXX XXXX Code XXXX {$12000.00} XXXX Negligent Noncompliance with FCRA - Adverse Information {$12000.00} XXXX XXXX  XXXX XXXX as attached
Product: Credit reporting or other personal consumer reports

I need assistance with resolving some negative items on my report. I have previously submitted the three requested documents, dispute letters, and specified the accounts I want removed. Could you please help me with these matters.
Product: Checking or savings account

I had multiple unauthorized charges on the night of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Persona and XXXX  XXXX were the two merchants - and the unauthorized quantity amounted to at least {$570.00}. I needed to freeze my accounts, debit card, and dispute the charges. I requested my debit card information in order to file a police report. I also requested to file a dispute on the charges and was told I would be unable to do it until the charges were complete. I saw the charges and froze my accounts and debit card on XX/XX/XXXX, around XXXX Hawaii XXXX. I called them to do this and was told to wait until XXXX XX/XX/XXXX XXXX  XXXX to be able to dispute the charges. I called them around XXXX XX/XX/XXXX and they told me I needed to wait until my charges are no longer pending to dispute it. They also told me they are unable to tell me my debit card information, even though my debit card was lost and used without my permission so I can no longer figure out what the information was. I stressed that I needed this information to properly file a police report and they told me that it's still not possible. They also told me they have no way of knowing how to contact the merchants that charged this card for me to be able to try to dispute it.