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

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Ga, XXXX XX/XX/1995 XXXX Experian XXXX XXXX XXXX XXXX. TX XXXX You are breaking the law. Pursuant to 15 usc 1681 ( a ) ( 1 ) Congress states the banking system is dependent upon my consumer reports that must be deemed fair and accurate. My consumer reports are in fact not fair or accurate. Furthermore, Congress also states that you must have my permission to report information on my consumer report which I did not give you. According to pursuant 15 usc 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : If you choose to not take my request into consideration, I will have my information removed from your database. I will no longer do business with you or any financial institutions that pull information from you. Your company has practiced unfair reporting methods. You took information from alleged creditors and reported this information without consulting with me to confirm if it was accurate or not. This in fact gave the furnisher inaccurate information and an unfair advantage over me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes the account in question was closed and when COVID 19 hit they reopened it so they can file a disaster on the closed account. This account is 7 years old. It is with credit acceptance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He reviewed a consumer credit report and found several inquires related to cash advance loans were made into his credit reports without his consent. While no loans related to the applications were established, the process did leave inquiries on his credit reports. Official disputes were mailed to the various offices where the inquiries were made however as of this date, those offices have failed to make contact or give an update as to the status of the investigation or the removal of the inquiry information. Those offices are, King of Kash, notified of the fraudulent inquiry made in to a XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX XXXX, notified of a fraudulent inquiry into a XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX  XXXX, notified of fraudulent inquiry into XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights.
Product: Debt collection

I am the general executor and trustee of the XXXX XXXX XXXX estate/trust. 
I am taking the time to correct the record pursuant to 15 U.S. Code 1681 A & B I am requesting you send me the 1099-C.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXXXXX  someone opened up a student loan in my name of {$8.00}, XXXX and i have disputed this several times letting them know it's not mine and it's identity theft but won't take off my credit. Also same time another one for {$4800.00} from U.S Dept of Edu/XXXX/XXXX i want this off my credit report and off my record. 
On XX/XX/XXXX someone used progressive with my name in it for {$670.00} and i never had any knowledge of this account, i have disputed all of these and esperian and creditor refuse to take off my report and credit so please help me out there are a few others but don't have that info to take off credit. I don't understand why they won't I've said i didn't make them and it's not mine someone else did think they would take more serious
Product: Credit reporting, credit repair services, or other personal consumer reports

There are four credit reports on my credit reports that are not mine not I authorized in writing to be responsible for apartments that I never resided in such premises at all! They are fraudulent, and I continue to have such a damaging report repeatedly by submitting new data every cycle as they amuse without any foundation at all.
Product: Credit reporting or other personal consumer reports

My account with REGIONSBANK was never late! I have had exceptional payment history with REGIONSBANK 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.

REGIONSBANK 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 requested information from this company to prove that I in fact owe a debt to their company under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ), but instead the company sent a bill from XXXX XXXX XXXX which is no longer in business due to them filing XXXX XXXX XXXX XXXX XXXX XXXX I, in fact have emails send to their billing company XXXX emails prior to this bankruptcy stating I needed to cancel my membership due to XXXX XXXX XXXX XXXX Emails sent and received from XXXX confirm someone was to reach out and they never did due to the bankruptcy. This company Tek Collect, has a bill created without my signature or proper identification! Ive contacted XXXX and spoke with XXXX from the billing department and he stated that XXXX XXXX XXXX consumers are to go through the channels of their Bankruptcy and this is the information furnished from that call : XXXX is not involved in the processing of any payments made directly to XXXX, including but not limited to down payments or paid-in-full transactions made directly to XXXX by using XXXX 's website and/or its customer care team, and those payments are not part of the Compensation Plan. 
If you would like to seek a refund of any payments made directly to XXXX, you would need to proceed through XXXX XXXX bankruptcy process. XXXX XXXX  bankruptcy cases are captioned In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and filings may be made online via the Court 's CM/ECF system which is available at https : //ecf.txsb.uscourts.gov/. How does a company attempt to collect a debt when it has gone through bankruptcy. Reading within the CFPB Q & A, Debt collectors can not try to collect on debts that were discharged in bankruptcy. Also, if you file for bankruptcy, debt collectors are not allowed to continue collection activities while the bankruptcy case is pending in court.
Product: Mortgage

In case XXXX the responsibility for mortgage was assigned to XXXX XXXX XXXX XXXX failed to make payments until the home was sold on XX/XX/2019 I am asking that late payment activity is removed from my credit report and the case holds me harmless from responsibility
Product: Credit card

I submitted an application to transfer my balance FROM Chase Bank to an account I held with XXXX  XXXX XXXX. The wrong account was used, and I received a balance transfer from another customer at Chase, transferring their debt to my XXXX  XXXX XXXX account. The amount was never debited from MY Chase account. I have filed at least 3complaints with Chase and provided the number of the account erroneously used. Chase has failed to investigate and shown a basic lack of understanding of my issue. They have closed all complaints without investigation and refused to allow me to escalate the issue. I still have approximately {$2200.00} in debt on the XXXX  XXXX XXXX card that is not MY debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries was placed on my credit file by several different companies for credit cards that I did not apply for which makes this fraud. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has stopped me from using the Visa but continue to charge me interest and report negatively to my credit bureaus
Product: Debt collection

I have a personal loan with Happy Money, and I set up a payment for XXXX XXXX, XXXX. It was not taken from my bank account nor was it reflected on my account. I received a text on XXXX XXXX, XXXX stating that payment was late. 

Thought it was no fault of my own, and an issue with their system, I went ahead and scheduled a payment for the same day. Being a Saturday, it would clear before Monday. On Monday, I received 4 emails, 2 texts and 1 phone call. I reached out to them because of the excessive nature after 4 emails. They agreed that it was a bit much, and their system is set up for single touchpoints daily and something was going on with my account. I escalated it and was told a C & D was put on my account to stop all contact until they figured it out. After that, I received an automated phone call at XXXXXXXX XXXX. ET when I was trying to get my kids to bed. 

Again, I did everything I was supposed to, and then some as their system is the reason the payment didn't go through initially, but I'm getting sick of the bombardment from them due to their mistake.
Product: Credit reporting or other personal consumer reports

I have been a victim of a data breach and victim of fraud and identity theft. The accounts listed under or never opened using my consent, or permissible purpose or authority. They were used to using my personal private nancial information without proper permission. These companies never investigated or made contact with me to validate the accuracy of these accounts. XXXX, XXXX, and Trans Union, along with the creditors are in violation of FCRA federal law as I was never contacted to validate the account mentioned, and you XXXX be held liable pursuant to federal law title 15 USC 1681o and title 15, USC 1681n for willful and non willful negligence. Pursuant to FCRA 605B and Title 15 USC 1681c-2 I demand these accounts to be removed within four business days as permitted by federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request to XXXX as well as experian and XXXX to remove the included in chapter XXXX bankruptcy statement from my report since it was NOT LISTED in my schedules. I provided proof of my schedules they never contacted the courts to verify the matter. Also XXXX totally misinterpreted or blaintly disregarded the letter I sent because they updated information that I DID NOT DISPUTE. XXXX updated my student loans that were PAID for by XXXX XXXX because they were consolidated and put that my loans were included in my bankruptcy which is incorrect. That wasnt even what I was disputing they changed /updated information that I did not dispute nor request to be updated.
Product: Debt collection

I seen a collection account on my XXXX credit report. I never signed or agreed to any terms or conditions on my behalf with Transworld System.

They are a debt collection company, trying to collect a debt that i do not owe to them.
Product: Debt collection

I, XXXX XXXX, entered into a consumer credit transaction with, lending club and XXXX bank. A consumer transaction in which a finance charge was involved. 15 USC 1681 ( A ) ( 4 ) under FCRA means the consumer has rights to privacy. in which lending club and XXXX Bank failed to provide protection of my rights. Inclusive towards that. The Corporations failed to verify and respond to my accounts over 45 days which also violate my rights of reporting accuracy. I have sent in certified mail which I have receipts from that have yet to be verified also. Companies need to block and delete accounts from credit reports. I asked for signed documents and any validated documents they have and failed to provide. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.If you were able to conduct a proper investigation of the records for this account send all documents as i believe this is fraud on my credit report. these accounts are not 100 % accurate they reporting late payments. reporting without my consent these accounts are in huge violations.
Product: Credit reporting or other personal consumer reports

Transunion, experience, XXXX have all XXXX reported info. Which shows multiple errors. How do I go about getting them removed. From old addresses to late payments. I have XXXX outstanding loans but yet my credit has not moved in years.
Product: Debt collection

Good evening XXXX XXXX XXXX, upon discovery & a few phone calls I see your company is not only out of compliance with federal law but state law as well. Creditors Bureau Associates is not registered with the XXXX  XXXX to do business in the state of NC a long with not having a debt collector license with the NC Department of Insurance which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Somebody use my SSN to submit a credit line check/request using an address I dont recognize or never use before
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This violation of the XXXX XXXX XXXX XXXX Section XXXXb ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and prove me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section XXXX.
Product: Credit card

Sears/CBNA is reported an adversed information on my account, saying it was 30 days delinquent XXXX XXXX XXXX XXXX when it should not have been. Sears sent out a statement to me some time in XXXX XXXX, but the mail was undelivered. I never received my statement and when I finally received a call from Sears, I made a payment right away. I have never been late and Sears have records of the mail being undelivered. I called twice to Sears to dispute this, but they say I have to dispute it with the Credit Bureaus, which I have. The Credit Bureaus did an investigation and it is still showing as an adverse account ( my ONLY XXXX with a negative mark! ). I am very distressed at the damage this is effecting my good credit standing. Because of this XXXX mistake on my credit report, I have been wrongfully denied credit recently for a refinance on my home, which was highly embarrassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of 15 U.S. Code 1681s2 ( A ) ( B ). ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I've been in contact with XXXX and I've informed them of these inaccurate inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They haven't done anything about it even though it goes against my rights as a consumer. I am requesting the immediate removal of these inaccurate inquiries on my credit report that's in violation of the law.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account.
Product: Debt collection

I received a letter on XX/XX/XXXX that is telling me I am being sued for a credit card debt from Capital One that I have not had since XXXX. They state my balance due is XXXX. The letter states I must appear in court on XX/XX/XXXX. As an alternative than to appear in court I can pay XXXX until XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Hi In accordance with the fair credit reporting act. The agency of collection below has violated my federally protected consumer right to privacy and confidentially under 15 U.S.C 1681 section 602, 15 U.S.C. 1681s-2 ( A ) ( 1 ), Credit Collection Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX ) XXXX Account # : XXXX I havent received no validation letter of this debt. This information is inaccurate and i want to remove this collection and derogatory mark out of my credit report as soon as posible. 

I would like to remove this collection out of my credit report in 15 days if i dont get what i request in this period of time. 

Please notify me of the results of your investigation and any changes made to my credit report. I have attached any supporting documents that may help in resolving this matter. 

Thank you.
Product: Credit reporting

Never was late. marks me in XXXX trade lines while I was in college as being 90 days late.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting, credit repair services, or other personal consumer reports

We received a notice from XXXX XXXX in regards to my wife 's insurance score having a negative effect on our insurance rates. They use XXXX and/or XXXX XXXX to determine credit history. ( See attached notice from the insurance company - XXXX XXXX. ) It seems as though there are 4 specific negative factors as outlined by XXXX XXXX. I would like someone to please investigate 1-3 as shown with my questions/responses below? 

1. Number of Retail Accounts - I see one maybe two retail credit cards that are currently open on my wife 's XXXX report provided by XXXX XXXX. Are they saying she has too many or not enough? Two retails accounts seems totally appropriate to me. 

2. Lack of information reported on oil company accounts - Our oil company doesn't report to credit bureaus and as such we should not be penalized for this. We pay our oil as a cash price, up-front. We have never had a revolving or installment account with our oil provider. 

3. Number of inquiries with finance companies within last 24 months - The hard inquiries in XX/XX/2016 were done within the same month ( XX/XX/16 & XX/XX/16 ) and as such, those should be counted as one inquiry. In fact XXXX ( the company that XXXX uses for the XXXX ) created a webpage covering this very topic below : https : XXXX Thanks for forwarding this onto the appropriate people at XXXX XXXX , XXXX and/or XXXX XXXX.