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

I am writing to formally dispute the late payment charges applied to the following accounts : * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX I believe the late payment charges on these accounts are in error based on my understanding of the consumer rights and protections outlined in the U.S. Code : * Definition of Credit Card ( 15 U.S. Code 1602L ) : A credit card is any card or credit device used to obtain services on credit. I have always adhered to this definition.

* Requirements for Over-the-Limit Transactions ( 15 U.S. Code 1637B ) : I did not opt into any over-the-limit plan, and any related fees should not be applied without my explicit consent.

* Accuracy and Fairness ( 15 U.S. Code 1681 ) : I request a review of the accuracy of the late payment charges and their fair application.

* Timing of Payments ( 15 U.S. Code 1666B ) : The periodic statements did not provide the mandated 21 days before the payment due date, making the late charges unjustified.

I kindly request a detailed review of the charges on the aforementioned accounts. If found to be in error, I ask for their removal and correction of any negative reporting to credit bureaus.

Please respond within 30 days, confirming the resolution of this dispute. If the response is unsatisfactory, I will consider further legal action.

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

this account should not be reporting this account posted after they were paid and levy my wages this is defamation of character and should not be on my report delete this account immediately account SSA/OFFICE of Finance account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

High balance of XXXX but the balance owed is XXXX The term length is different on all three bureaus On XXXX it shows that the high balance is XXXX, the date of last activity is all different .Its stating on XXXX the merchandise was taken back by XXXX XXXX, XXXX XXXX its a charge off as a bad debt, XXXX is just saying charged off account, the date opened is different with all three bureaus.These are inconsistent and inaccurate information being reported and I would like this to be deleted off of my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or give direct consent to any companies or third parties to access information on my consumer reports which withhold pertinent information. They used false and misleading forms to fraud and swindle me which resulted in adverse action. They deprived me of my right to privacy. Because of my right to privacy has been breached this has caused me a great deal of emotional distress. EXPERIAN is conspiring with the furnished company in the continuing violation of my constitutional protection rights. The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf. 

I have attached FTC fraud reports and FTC Identity theft reports, Affidavit of truth and my identification to prove it is I, who has submitted this complaint. 

I will be sending a copy of this CFPB complaint to the Attorney General and all attached documentation as proof that EXPERIAN, CEO and Registered Agent has been made aware of the consumer laws being violated.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment recently added to my credit report by Experian and XXXX. 

account disputed for late payment : XXXX Bank account # XXXX XXXX XXXX xxxx they previously was reporting a late payment on another account and I disputed the inaccurate information, what they then did was remove one inaccurate disputed item and replace it with another inaccurate late payment an my report. 

After reviewing my credit report, I discovered that a late payment has been reported in error. I have never been late on this account, and I demand that this inaccuracy be removed immediately. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 et seq. ), you are required to ensure that all information reported is 100 % accurate, verifiable, and complete. Specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) You are required to investigate any disputed information within 30 days and correct or delete any information that can not be verified.

15 U.S.C. 1681e ( b ) You are obligated to maintain reasonable procedures to ensure the accuracy of information reported.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) A data furnisher may not report inaccurate information if they have reason to believe it is incorrect.

15 U.S.C. 1681s-2 ( b ) The information furnisher must investigate and provide proof that the late payment is accurate, or it must be deleted.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining XXXX  of the accounts listed here.
Product: Payday loan, title loan, or personal loan

I have a current dispute with XXXX XXXX/Navient dispute # XXXX. The company has sent in a reply and the dispute is closed. The answer from the company is erroneous. They are now claiming that my son did not submit payments for 5 months claiming that his bank account information was incorrect and the account used to make payments did not exist " there was no bank account with the information XXXX submitted ''. It is rather odd that XXXX XXXX was undergoing a " name change '' due to the negative publicity it received for several years and changed the name to Navient with my son XXXX 's loaned serviced by the new company. At no time did my son change banking institutions. It was XXXX XXXX and Navient who erred in transporting the information to the new servitor Navient. Look at the timing of these errors during the period of change of XXXX XXXX as the servicing agent and Navient. Rather suspect and odd that it is so close in time when these errors where made. It is also rather odd Navient states that " as cosigner you are equally responsible for repaying the loan that you cosigned '' and you report " We confirmed that we spoke to you in XXXX and XXXX XXXX and advised you of the missed payments but you were not willing to make payments to bring the account current '' You also stated that payments made by XXXX during this period where no full but partial payments whay is that not explained in the investigation. I have the names dates and times I spoke on numerous occasions to both XXXX XXXX and Navient people. As for not paying the loan and being responsible I have attempted to pay the loan off but have been told I will not be able to get a letter so that I can take the tax advantage write off as a cosigner. Your employee states that it is law that only XXXX can receive this letter and take the tax write offs. If this is correct than how is it that you can effect my credit report as well as XXXX 's. It XXXX died would I be responsible I am XXXX and on Social Security XXXX. You ca n't get blood from a stone. Other than this negative credit report my credit is impeccable. Both XXXX XXXX and Navient are predatory loan companies that the federal government should put out of business. At no time should this ngative information been placed on my or XXXX 's credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting to dispute information as a result of identity theft. The following accounts are not associated with my personal information. XXXX XXXX XXXX XXXX  Account number XXXX and XXXX XXXX - Account number XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX sent me a bill that is not mines! 
They also put it on my credit which is illegal without my consent! 
Reached out to them and did an identity theft report and they refuse to remove it from my credit! 
They sent me back a statement which is not the correct spelling of my name my middle name only has one XXXX XXXX XXXX 
All support documents and my photo ID is attached!
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental  distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to XXXX XXXX XXXX XXXX XXXX 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

All ( 3 ) major credit bureaus : Experian, XXXX and XXXX are in violation of Federal Law per Congress which specifies 15 USC 1681 ( a ) ( 4 ) " ... respect for the consumers right to privacy. ''. My right to privacy has been revoked as I did not consent to the reporting of such information nor did I give any written instructions to these agencies to make any oral, written or other reports on me. Violation of this law is confirmed under 15 USC1681b ( a ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. ".

The above noted agencies are erroneously reporting information relating to a false, misleading and fraudulent debt by XXXX XXXX XXXX XXXX ( {$25000.00} ). The agencies are also show unauthorized reports from US Department Of Education AFSA ( $ XXXX ) ; these reports have been showing since before XXXX  and I have tirelessly worked with the agencies numerous times on my own behalf and through a significant expense to " credit service '' companies. This is STILL continuing to impact my credit, life, reputation and has had adverse action toward my livelihood. The report notes that the balances have been " sold/transferred '' without any information being provided to relating to the sale, how much were they sold for and the associated commission/profit made as a result.

The above noted agencies are additionally reporting multiple inquiries negatively impacting my credit from third-party entities of which I gave no written notice or authority to request or utilize my credit. There are approximately 10 inquires on each report totaling 30.
Product: Checking or savings account

A relative sent me money via Zelle from a XXXX branch in Florida to a XXXX branch in Ohio. My Zelle account was linked to my phone, and I received an XXXX confirming the transfer. However, after over 4 hours of phone support, including calls to Zelle, corporate XXXX phone support and an in-person branch visit, no one could tell me which checking account is linked to this Zelle profile XXXX They refused, citing either lack of information or privacy concerns. I deleted and reattached the connection to my actual account through the SMS link, but the branch confirmed that none of my accounts received the money. XXXX says Zelle has the information ; Zelle says XXXX has it. This is not my first negative experience with XXXX being uncooperative and obstructive. In my last encounter, they cancelled an overseas wire transfer, but failed to tell me about it. They kept the money " on hold '' and I did not find out about it until the intended recipient complained. I AM CLOSING ALL CONTACT WITH XXXX XXXX. THEY ARE A MENACE. This bank is too big for oversight and act as if they are not accountable to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I don't understand why I see that information on my account. I have no idea where did you get it. Its not mine.
Product: Checking or savings account

Citizens Bank makes closing an account extremely difficult. I don't have a branch office close to me and they refuse to close my account over the phone and send me a check via mail. They keep insisting I get an ATM card and withdraw the money at a Non-Citizens Bank ATM for which they will charge me a 3 % fee. The other alternative they offer is to waste a half a day getting a notarized letter and mailing it to a local branch. 
This bank needs to investigated for deceptive business practices as they gouge clients thru hidden fees like 3 % cash withdrawal fees ....
Product: Mortgage

While negotiating loans, if the loan officer from U.S. BANK says- I understand people from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX try to bargain pricing on the street bla bla bla ( didn't want to hear any more ). No matter whether its racism or not, I felt super offended after hearing this from the loan officer from US Bank
Product: Debt collection

A collection company is trying to collect a debt about a XXXX charge over 10 years and claim it was in 2016, I havent had XXXX service for over 10 years also another collection company tried collecting saying I owed {$110.00}, I switch from XXXX to XXXX when they were brought out by XXXX which the bill would have transferred, I also explained that the bill was always a month ahead and my bill was {$56.00}, and XXXX would turn your phone off after 30 days, so the phone was switched and the bill was already a month ahead. This is showing on XXXX tried talking/ phoning language barriers. I guess they call this ghost debt. Thank You, again check my report 9 years ago/ longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX in XXXX Illinois will not take the car loan off my credit report. It is paid off I have called them numerous of times disputed it and went up there. The account was paid off over a month ago and when I spoke to the man at the facility about it he hung up after being rude the while time. I have proof it is paid off.
Product: Credit reporting or other personal consumer reports

I discovered several accounts on my XXXX credit report that I do not recognize. I submitted a dispute to XXXX citing my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), requesting an investigation and immediate removal of these accounts. These accounts are inaccurate and unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by another credit monitoring company that a former creditor is still purposely reporting inaccurate account status information to TransUnion Credit Bureau. This is my third time reporting this company. The company is XXXX XXXX XXXX. The company repossessed their vehicle back in 2014. The company is intentionally report inaccurate account status information as " failure to pay '', 30 days late, 60 days late '' when I no longer have the vehicle and the vehicle has been re-sold. I do not owe this company anything. The account status should be Repossessed-Closed. Would you please help me? This company is purposely decreasing my credit score. This is fraud and abuse.
Product: Credit reporting or other personal consumer reports

I have four unrecognized inquires on my credit report. i want them to be removed and find the person that is doing said false opening of credit card accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

Regarding Citi XXXX credit card account. Citi XXXX card was cancelled by Citi on XX/XX/2016 citing concerns about payment. The letter did not explain the detail of concern leading to the cancellation. 

Prior to cancellation of the account spending requirement was met for XXXX status in XX/XX/2016. Prior to cancellation spending requirement to earn free weekend night in XX/XX/2016 was met. None of these benefits were delivered prior to the account closing. 

In addition cancellation has also negated any benefit provided under the annual fee. The legitimate use of citi 's credit services that qualified these rewards can be substantiated.
Product: Credit reporting

I contacted TransUnion Online Dispute center that they were not reporting an auto loan that I have had for 2 or 3 years. The other XXXX credit reporting agencies are and there is a big difference between my credit scores with them and with TransUnion. Them not reporting is hurting my credit. They said it would take 30 days to investigate and after more than XXXX, they sent me an email to go to the website. On it was an updated credit report NOT showing again my auto loan and no explanation or anything else. The only updated items on report was its date and my recent address in XXXX. I believe they just want people to grow tired of contacting them and give up. I went through a bankruptcy in 2010 due to the economic conditions. I have worked very hard trying to get back in the system with good credit. I simply do not understand the big deal with them. All they are doing is including an auto loan that is an important part of a credit analysis.The other XXXX agencies are reporting it. I would attached any of the company 's investigation or comments But there are none. It just shows same credit report with my XXXX address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/2022 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
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 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, 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.