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

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for or I have no prior knowledge of owning such account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for any account Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Debt collection

Accounts were created under my name and information fraudulently without my authorization or knowledge. The fraudulent claim account information is for Jefferson Capital Systems LLC one in the amount of XXXX amd the other account is XXXX dollars.
Product: Checking or savings account

I have signed up with Citibank for alerts on my account to stay in know with my account balances. On numerous occasions i have recieved alerts that were incorrect. The alert would state that i had x amount available in my account on the present day and time however the actual amount in my account would be significantly lower. I would never be informed of my correct amount and i would never be informed if my account was overdrawn because apparently the payment wouldnt post to the account until after it has been returned and i have been charged by the bank. After numerous phone calls and complaints all i receive is a sorry ms. .... are you signed up for account alerts? Which i very well am but however that and all is incorrect! Im tired of Citibank robbing its cust for their hard earned money!
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned with the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements, and the representatives you spoke with who verified it WITH AN affidavit if the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware that under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE an acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX. XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. REMOVE the late payments on my payment history ASAP.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history withXXXX 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 my 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 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: Debt collection

I received phone calls every morning at XXXX daily from an unrecognizable caller. I researched the number and answered the call. When answered, they identified themselves and I then requested the following information : 1 ) Proof of debt - was required to call company debt originated with. They would not provide me proof of debt. Was explained this was debt form XXXX being collected in XX/XX/XXXX. 
2 ) Account information 3 ) Steps moving forward They stated they would send me a letter vis email. Keep in mind no original letter was ever sent and this is the only documentation I have received to date which is attached. 

I was never given a 30 day dispute nor provided any itemization. 

The name of Collection Agency Prince-Parker and Associates Received a sketchy letter that does not even look legit. ( Attached )
Product: Credit card or prepaid card

I have had my information compromised in several different breaches. Just to name a few ( XXXX ), my current phone provider, as well as ( XXXX ), which is my jobs service portal. During these breachs all my information exposed my full name. Date of birth, XXXX, and Driver Lincened #. Someone has applied for a card this month alone ( XXXX ) twice using my information. The first one was with Capital One, which I do currently bank with. However they applied for and credit card, the location of the fraud was in XXXX North Carolina. I city and stated that I do not reside in. The second attempt was with XXXX XXXX Bank. This attempt took place on XXXX XXXX, and was done online. I am a victim of identity theft, and I need this problem to be taken care of immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX amount XXXX Account number XXXX XXXX name XXXX XXXX XXXX Account number XXXX XXXXAccount name XXXX XXXX XXXX Account number 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 permission 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items shall be other than records of convictions of crime 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, credit repair services, or other personal consumer reports

Two weeks ago I was notified that I received a notice that my credit score with Transunion dropped from XXXX to XXXX due to a late payment. At that time I started investigating to find that XXXX XXXX posted a late payment of 30 days for not paying the annual membership fee. The card in question was to be closed by my request a month earlier. After filing an online dispute I received another email stating the my credit score went down 122 points ; currently at XXXX from XXXX in a two week period. 

I then called Transunion to get clarification on how my credit score dropped 167 points in a two week period and to check on my online dispute. First, the agent indicated he did not show an online dispute therefore he would initiate it ; to date, the dispute number he provided does not show on my account. As far as the score dropping his explanation was that every bureau calculates the score differently and they have 3 methodologies for credit cards, loans, and mortgages. 

I have a very low debt to income ratio, The only financial changes in the last month was purchasing a vehicle and paying off a different vehicle. All other loans and credit cards have been in place for over a year to several years, I do not understand how the credit bureau can " make up '' there own methodology and algorithm for determining ones credit score, I still have no explanation to why or how my score dropped so significantly or a resolution to the credit dispute. The charges assessed by XXXX XXXX have been reversed although it is not reflected on my credit report.
Product: Checking or savings account

I am writing to express my deep dissatisfaction and frustration with the way my recent banking issue has been handled by your institution. On XX/XX/XXXX and XXXX of XXXX, I received two XXXX payments- one for {$350.00} and the other for {$650.00}. As per standard practice, I asked the sender for proof of deposit and an ID picture, which I promptly received. 

On XX/XX/XXXX, without any prior notice or explanation, a hold of {$1000.00} was placed on my account. After 5 days of constant calling, I was informed that my funds were under investigation for fraud, and I was not provided with any information about the person making the fraudulent claim. It was only after persistent follow-ups that I was able to find out the name of the person making the claim, and provided all the evidence required to prove my innocence. 

Despite providing all the necessary evidence, I was repeatedly told that it might take 7 days, then 15 days, and finally 45 business days to resolve the issue. On XX/XX/XXXX, I received a call from your fraud department, stating that my account was going to be debited for {$1000.00} due to fraudulent activity. I was shocked and dismayed, as I had already provided all the evidence requested by your institution. 

I explained to the fraud department about all the companies and bank accounts I have had with Bank of America for the past 18 years, and showed them all the evidence required. However, despite my efforts, they simply apologized and stated that there was nothing they could do. 

I find it extremely hard to believe that a claim made three months after the transaction, despite being verified with a code on my phone, could be deemed valid. I have trusted XXXX and Bank of America with my funds, and I am deeply disappointed that my account has been debited without any clear explanation or solution. 

I urge you to investigate this issue thoroughly and refund the {$1000.00} back into my account as soon as possible. I hope that you will take immediate action to rectify this situation, and ensure that your customers are not subjected to such unfair treatment in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or aboutXX/XX/XXXX XXXX XXXX  ( XXXX  ) fraudulently filed an assignment of mortgage with XXXX XXXX ( XXXX XXXX XXXX   County bbl : XXXX XXXX XXXX ). At no time was XXXX  the owner or assignee of the Note. XXXX assigned the Note fraudulently, unlawful and or illegally to XXXX XXXX National Association ( XXXX XXXX  ).

On or aboutXX/XX/XXXX XXXX XXXX filed a foreclosure action against me. Pursuant to my filing a Motion to Dismiss the foreclosure due to a lack of standing the XXXX Supreme Court dismissed the action on or about XX/XX/XXXX.

Since XX/XX/XXXX XXXX has been reporting to the Credit bureau that the " account '' is past due and in foreclosure. This is totally incorrect. I have been trying to resolve the issues with XXXX.

The lender, XXXX was closed by the Office the Comptroller of the Currency onXX/XX/XXXX.

On or about XX/XX/XXXX a TILA Notice of Rescission was sent toXX/XX/XXXX and also registered with the XXXX   XXXX. There were no timely action or any action taken by XX/XX/XXXX to set aside the Rescission. XX/XX/XXXX has failed to act as directed by the Statute 15 U.S. Code 1635. The transaction was not consummated and no disclosures were sent and or received.

I am seeking your help to have XX/XX/XXXX cease and desist their credit reporting, and to return the voided note and mortgage if they are in their possession.

A cease and desist letter was sent toXX/XX/XXXX to stop paying Real Estate Taxes and Insurance as they do not have my authority to do so. A cease and desist letter was also sent to XX/XX/XXXX demanding that they cease making credit reporting to the bureaus.
Product: Debt collection

Ignored my form of payment which was legally compliant a bill of exchange would not return or credit my account harassed me day and night dispute my cease in desist letter sending debt collection letters with there logo on envelope, collected my debt cancellation insurance 6 months into the contract lied and said it was reposed so I rescinded my sales contract with the dealer they denied me a copy of the contract because of the fraud I allowed 20 days for them to pick the car up and they did not so the car became my property 4 months later they continued harassing calling over n over and stole the vehicle from my private property which also was not registered and exported to my private estate causing an elimination of any said title leaving my master title to be the only one on the record now they will not return it even after I paid they are bullies and must be stopped they just finished XXXX XXXX dollar wrongful tow settlement they dishonor my bill of exchange which discharges my debt they need to learn that laws are in place and not to be broken
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 AN # XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX US DEPT. OF EDUCATIONXXXX Late Payments from XXXX XXXX All Inquiries
Product: Checking or savings account

Ive been buying cryptocurrencies online for years. In the recent year I decided to start XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I performed a KYC verification on a buyer, ID, and phone matched to buyer. I sold buyer over XXXX in cryptocurrency. I received, {$42000.00} in wire transfers from this cryptocurrency buyer. I verified with Navy Federal that Wire Transfers were completely " non reversible '' outside a court order. After 2 months of receiving wire transfers from the buyer. Navy federal limited access to my account. 

I spent days and multiple hours on the phone with navy federals security department, and was told they were closing my account, and sending back the {$42000.00} in wire transfers. The bank refused to provide any documentation from the sending back, Refused to cooperate with local law enforcement, refused to provide legal recourse. Basically told me I was out of luck. 

I provided documentation for the sale of the {$42000.00} in crypto currencies, the conversations with the buyer, the proof of KYC. Even asked the bank to reach out to the buyer at there registered phone number, that matches the bank account.
Product: Debt collection

My name is XXXX XXXX my social security number is XXXX date of birth XX/XX/XXXX. My complaint is that national credit services UNLAWFULLY seized my federal income tax RETURN in amount of XXXX I call the irs to check on my tax return and I was told that national credit services and us department of EDUCATION took all my money they claim that I owe them money I told the irs that I don't have any student loans with us department of EDUCATION and the collection agency that took my money UNLAWFULLY. The money that's own to them is my wife 's debt her social security number is XXXX name XXXX alty date of birth XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX she was on a forbearance and they told her that they will not take legal action. Regarding me XXXX XXXX my social security number is XXXX. They took money UNLAWFULLY from my accounts to pay hers. Her student loan is a individual 's account not joint. So us department of EDUCATION and national credit services did fraud to me. This is not my debt at all I'm the husband. I don't have any loan s with  them. Can you please recover my money. I also made a complaint toXX/XX/XXXXXXXX XX/XX/XXXXnews
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My car was totaled, car was paid off by insurance but bank is still reporting negatively on credit report. Dont have the car and is not in my possession. I called them and they still arent correcting it. 

Delete all derogatory marks on my credit profile containing an automobile.
Product: Credit card or prepaid card

SYNCB/XXXX XXXX is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( SYNCB/XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive been disputing inaccurate accounts on my Experian credit report for months, and nothing has been done. Ive followed all the right steps, submitted my disputes multiple times, and still, these accounts havent been removed or even properly addressed.

Under the Fair Credit Reporting Act ( FCRA ), Experian is supposed to investigate disputes within 30 days. If the accounts cant be verified, theyre supposed to be deleted. But that hasnt happened. Instead, Experian has ignored my disputes and left these accounts on my report, which is hurting my credit for no good reason AND not giving me the documents Ive requested that can prove this info they keep reporting. 

This isnt just my experiencetheres a pattern here. The CFPB has already taken action against Experian before for not handling disputes properly, and it seems like nothing has changed. Its really frustrating to go in circles with a company thats supposed to be helping consumers, not making things harder.
Product: Debt collection

I WANT TO SEE THE EVIDENCE THAT I OWE THE DEBT THEY CLAIM I OWE.
Product: Credit reporting or other personal consumer reports

Equifax Information Services stated on XXXX XXXX report ( XXXX ) that the account XXXX account # ( XXXX ) was not reporting on the file. Equifax Information Services, also continue to report a XXXXXXXX XXXX XXXX ( XXXX ) which was removed and reinserted back onto the file. I provided an FTC Statement that verified that I was a victim of identity theft on XX/XX/2023. According to a report from XXXX XXXX, the account is still listed on the credit file. Also, Equifax Information Services stated that the inquiries from XXXXXXXX XXXX have been removed, however according to the attached XXXX XXXX report these inquires have not been removed. Equifax Information Services has not done a proper investigation, according to the FCRA 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Equifax Information Services has violated the FCRA 15 US Code 1681e, the right to an accurate credit report. I will be submitting a notice of intent regarding the accounts that Equifax Information Services maintained under my social security number.
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.