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

I was a victim of identity theft. There is inquiry on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard pull inquiry by XXXX on XX/XX/2023 in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, my lease was re-possessed due to being 87 days late in payments. On that SAME day, i paid the remaining {$930.00} of the amount owed on the lease, and have not heard anything pertaining to the account since ; no phone call, no mail, nothing .... Since the date of my final payment, my credit report has shown the following : Account Status : CLOSED Closed Date : XX/XX/2017 Balance : {$0.00} Payment Status : PAYS ACCOUNT AS AGREED. 

After an attempt to have XXXX XXXX reflect my account as being in good standing with the Credit Reporting Agencies, they are now reporting : Account Status : OPEN Payment Status : Past due 180 days Balance : {$830.00} Upon calling them to correct this issue and find out more, the customer associate admittedly told me " i actually don't see a bill, but the amount owed is for repossession fees and late fees .... '' Over the course of the last 2 years, myself, nor my mother ( co-signer on the vehicle ) have received ANY form of communication regarding this matter. XXXX XXXX says that they sent ONE letter in XXXX of 2017, but no other attempts were made, and that letter wasn't even a bill ... .... I want this balance owed dropped, and i want this account removed from my credit report. I have no problem admitting to the fault of late payments over the term of the lease, but i will not, and should not be held responsible or have to suffer for the errors made on the behalf of a company. This is directly affecting my credit score in a negative manner, and it hasn't been reported ONCE in the last 2 years for me to even know that it existed.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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 : Experian : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date XXXX Balance Owed : {$1700.00} -Charge Off XXXX XXXX XXXX Date XXXX Balance Owed : {$46000.00} -Charge Off XXXX XXXX XXXXXXXX Date XXXX Balance Owed : {$9400.00} -Charge Off XXXX XXXX XXXX Date XXXX Balance Owed : {$4200.00} XXXXCharge Off XXXX XXXXXXXX XXXX Date XXXX Balance Owed : {$7400.00} -Charge Off XXXX XXXX Date XXXX Balance Owed : {$0.00} -Late/Closed XXXX XXXX Date XXXX Balance Owed : {$2300.00} -Charge Off XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a few phone calls from SunRise Credit Services about an account that got opened with this company from XXXX XXXX XXXX. I made a three-way phone call to them with a XXXX representative, and this " collection agency " gave them an account number and address for me, and they had nothing for me. This company, SunRise is a fraud, I gave them 30 days to remove this fraudulent account from my credit that doesn't exist, or I will sue them! I asked them to send me a validation of the debt letter because I have had active service with them for years and have never been behind. They never sent the validation letter, and yesterday XX/XX/2022, they put it on my credit as delinquent debt.
Product: Credit reporting or other personal consumer reports

I NOTICED FRAUDULENT ACTIVITY ON MY CREDIT REPORTS. I REQUESTED DOCUMENTATION FROM EACH CREDITOR SHOWING PROOF THAT I MYSELF THAT THESE FRAUDULENT ACCOUNTS BELONG TO ME. EACH CREDITOR HAVE FAILED TO DO SO. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.
Product: Debt collection

I was given an auto contract that did not included the finance charge pursuant to 15 usc 1605. Bank of America has been sending me statements with attempts to coerce me to make payments, which is a violation of 15 USC 1692j and 15 USC 1692e. they also did not include my rights to rescission. pursuant to 15 USC 1635.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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 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

To It May Concern : Few months I applied for XXXX XXXX credit car and the XXXX XXXX issue by CITYBANK. 
once I received my rejection on the regular mail. 
I opted to call CITYBANK and I asked to speak to a manager. 
There were no managers available and my call ended up somewhere in XXXX. 
the City Bank 's XXXX rep told me that I the reason it was denied according to CITY BANKS Collection via XXXX I have filed for Bankruptcy in 2000. 
I explained that is not even possible since I just file for a non conventional loan to a conventional loan and if that would or was the case, my current loan would not be possible. 
the I ask to speak to a CITY BANK  manager in the U.S.A. and I was told that my BK was not anymore in any credit agency. 
I told City Bank  manager that why ; If I had filed for Bk why is it still posting since I according the XXXX XXXX City Bank Bk was file 2000? 
The last week I received an invitation to apply and again, it shows that I have filed for BK? 
this is erroneous information and being reported by City Bank and their collection firm in XXXX.
Product: Debt collection

In XXXX of 2020 I took out a loan for {$600.00} with XXXX  XXXX XXXX XXXX and was paying it back via automatic withdrawals. I however became unemployed due to COVID and advised the loan company in XXXX i would resume payments whenever i financially could. I NEVER received any documentation after that. My employer received a garnishment request in the amount of {$1900.00} from Apex Servicing. There were no court documents filed. I never received an opportunity to dispute and or settle the debt. and when calling Apex the only options they give me is to refer to my original loan agreement which was NEVER provided by XXXX XXXX XXXX XXXX. Apex also told me the only way I could stop the garnishment was to pay the {$1900.00} in full. I have yet to receive any documentation supporting these actions, time or opportunity to dispute the garnishment and proof of court filings for the garnishment proceedings. 
TO add the original loan amount of {$600.00} HAS BEEN PAID the outrageous amount of {$1900.00} is supposedly fees and interest!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete the following disputed account : XXXX XXXX XXXX account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX submitted a hard inquiry on my credit on XX/XX/19 without my authorization.
Product: Vehicle loan or lease

Since XX/XX/2019, I have been in constant contact with the company wherein " late fees '' have been charged to my auto loan. My acct comes due on the XXXX of every month, and I have made every payment ( less one ) on the XXXX, XXXX, or XXXX depending on which day my payroll falls at the first of the month and immediately drop it in the mail. This was understood by me and the company when I purchased this car and was told this wouldn't be a problem. On the single one late, I gladly paid late fees for is wasn't the companies fault. 
With the combination of where I mail my payment in, and the way the company processes my payment, it generally never clears my account for 8 - 10 days. 
Because of this time frame, the company insist that this is my fault and I have to pay additional fees therein. 
Granted this is not a large amount, but there is a principle involved. 
I have made every effort to speak with the company and they treat me extremely rude and continue to say this isn't their problem but mine. I have 3 payments left on this loan and today they have told me as long as I have late fees outstanding, I will not be given my title and they can repossess my car. 
This is not right in my book and would appreciate any help you can give.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th 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, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Through the usage of ad-blockers and the intentional disabling of third party javascript utilities client side, many features of the online portal are unavailable or intentionally XXXX. 

Difficult, if not impossible, to do tasks such as moving money between accounts, paying of liabilities through the website, or even using services such as XXXX are entirely XXXX if these third party scripts that are known to exfiltrate sensitive information is allowed. 

XXXX XXXXXXXX XXXX XXXX and others have been found on the client side. Disabling of these and other similar scripts disables access to most of the web front end portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Got a loan though Speedy Cash and while filling out the paperwork I was careful and deliberate as to not agree to an ACH or automated payments of any kind. Speedy Cash still proceeded to charge my debit card on XX/XX/2023 in the amount of {$100.00}. Once I notified them of this issue on XX/XX/2023 they told me that I would have to wait until the payment cleared until I would be able to ask for a refund. On XX/XX/2023 I received an email informing that the payment had cleared. XX/XX/2023 I called once again to the business relations department at Speedy Cash where I was told that I would not be eligible for a refund because it was a collections attempt which is supposedly different from a payment and that I agreed to allow them to collect payments. That is untrue because I read all of the paperwork and specifically denied any type of automatic payments. They proceeded to tell me that XXXX was only revoked after my call on XX/XX/XXXX which is untrue. They also refuse to allow me access to any loan documentation online and I can not receive any documents unless I formally ask for them to be mailed which I did today. Speedy Cash is full of con artists. Absolutely screenshot your loan documents as you sign because I have a feeling they will forge my electronic signature on to an XXXX agreement to make me seem at fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed letters and I have also made phone calls and they do not seem to want to abide by the Law. The FCRA states that legally any unverified or unauthorized items must be removed. 
XXXX  Shows XXXX XXXX entry XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - US SM BUS Admin XX/XX/XXXX ( I even reported fraud to them ) XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - Screening XXXX XX/XX/XXXX Transunion Shows XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX which has reached its two expiration as well - XXXX XXXX  XXXX  Show XXXX XXXX XXXX XX/XX/XXXX and that has reached two year expiration as well. 
I respectfully ask that these entries be removed immediately from my credit report. 

I also ask that the following addresses are removed immediately XXXX XXXX XXXX XXXX Missouri XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove the following employments XXXX XXXX XXXX XXXX  XXXX XXXX I thank you in advance for your prompt response to this situation
Product: Credit reporting

I have never own a Credit card from the XXXX and it appeared on my credit report as collections balance to XXXX. As I have obtained a mortgage for my retirement home in Oregon, lender asked me to pay the full balance in order to get the loan closing because the credit reporting agency has been refusing to remove the error off my credit report! I paid the full amount of someone else 's financial misdeed. My husband and I are on a fixed income please help us to get our money back. Than you
Product: Student loan

I've been trying to call Nelnet to help with my SAVE plan to see if i can get it lowered. Been on hold for more than an hour multiple times. Trying to log into the website, don't quite remember my username and login info, tried to recovered information using recovery options, never received an email for verification codes to it multiple times. A process which should be easily handled through automated services built into the website. Clearly this isn't the case, unless the site is mucked up on the back end.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX  XX/XX/2022 - XXXX XXXX  XX/XX/2022 XXXX XXXX  XXXX XXXX XX/XX/2022 - XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  ACCOUNTS : - XXXX  Account # : XXXX - XXXX Account # : XXXX - XXXX  Account # XXXX - XXXX XXXX Account # XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

What do you do when the same company that caused the problem refuses to correct it. I have sent Equifax countless FTC reports each trade line or inquiry that is new. Equifax the cause of the problem in the first place refuses to work with me and remove the 13 Fraudulent Inquiries even though they have sent me copies of my credit with results saying The Inquirys in question have been deleted When in fact that is a game that Equifax is playing. Today I received a letter stating that they are not going to comply with FCRA 605 B and to contact you or my Attorney General.
Product: Student loan

I applied to switch from Income-Based Repayment to REPAYE. After submitting my first application, my servicer switched me back to the Standard repayment plan, which is not what I requested. So I applied again, and got a message back saying that my request was denied because I had not made my payment under the Standard plan " within 15 days. '' I have Direct Debit on my account and I have made every payment on time since entering repayment. Today I applied for a third time but I am not confident they will process the application correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 XX/XX/22 XX/XX/22 Ive submitted letter with cerified mail to Transunion, XXXX, XXXX regarding credit inquiries and remove old address. This credit bureaus simply ignored my request. I check my credit report every month still the same and i keep sending the Certified mail letter to XXXX credit bureaus and none of them respond nor return that they receive my mail. As Im frustrated and i need to file complaint with this XXXX credit bureaus.
Product: Money transfer, virtual currency, or money service

My ocmputer was hacked on Friday XX/XX/XXXX. 
I immediately called XXXX, my business bank, to notify of a potential computer hack. 
At XXXXXXXX XXXX, I received an email notice from Chase that an international wire transfer was being doing on my business account in the amount of {$5000.00}. I did not authorize this transaction. I started calling Chase at XXXX XXXX 
I have a claim number and a recall for the funds from Chasel At XXXX XXXX on XX/XX/XXXX, I received a notice of Chase preparing an international wire transfer to the same fraud account for {$5000.00}. I immediately drove to my Chase branch and my personal banker began a complaint for an illegal wire transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ag someone i=used my name and applied for various apartments in Georgia. When I found out I was instructed to go to the police department and file a report for identity theft with I did. I sent report and my credentials to the credit bureaus XXXX XXXX, Equifax and XXXX  XXXX I called the companies and completed their paperwork as well. I later had t complete a fraud report with FTC and attach all of my paperwork to it. This is well over 4 years and I have made numerous attempts to correct this issue to no avail. The companies are XXXX XXXX ( around ( XXXX  ) and XXXX XXXX ( XXXX ). I work for a XXXX XXXX  which I have a pension and have never had a desire to live in Georgia. One company sent me information which was a drivers license from New York which I have never had a New York drivers license. They also sent me a pay stub copy of a job a XXXX. I have never worked at XXXX. I have shared this information numerous times with all parties.