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

Name : XXXX XXXX XXXX : XX/XX/year> SS : XXXX The CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information from appearing on my consumer credit report that is that result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan or loans, credit cards, and other accounts from XXXX XXXX acct XXXX XXXX {$78.00}, XXXX XXXX XXXX acct XXXX XXXX {$10000.00}, XXXX acct XXXX XXXX {$5900.00}, XXXX acct XXXX XXXX {$4800.00}, XXXX acct XXXX XXXX {$1100.00}, XXXX XXXX XXXX acct XXXX bal {$1800.00}, XXXX XXXX XXXX acct XXXX XXXX {$1300.00}, XXXX XXXX XXXX acct XXXX XXXX {$1800.00}, XXXX ( inquiry ), XXXX XXXX XXXX ( inquiry ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( inquiry ), XXXX XXXX XXXX XXXX XXXX ), XXXX ( XXXX ), XXXX XXXX ( inquiry ), XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ( inquiry XXXX XXXX XXXX XXXX ( inquiry ), XXXXXXXX XXXX  ( inquiry ), and XXXX XXXX ( inquiry ). 

These accounts have resulted in serval hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being mentioned by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Back in XXXX I was called and I was offered payment arrangements and I'm thinking XXXX a month, I'm low income and I was yelled at and told I have XXXX kids ( at the time now XXXX ) that I should have enough to pay it since its tax season and I'll get at least 5 or 6 thousand each child not including the other tax refund amounts. I worked at a tax office and was at work when this phone call came through. This was from XXXX 's in which I had Insurance, lost my job and Instead of them paying my monthly payment for 6 months like it states in my insurance agreement they sent me to collections. I have never been allowed to make payment arrangements and it keeps going up. XX/XX/XXXX I was served at the same time I was off work due to emotional and XXXX work injury and had a lawyer. To this day the amounts going up and I cant make any payment arrangements to pay except to give them well over {$3800.00} and I have no job no XXXX no car worth anything nothing and still they keep the amount going up so inco e tax time my refund will be gone ripping me off. My grandma had to change her number because they had a recording call 10 x a day and when we did speak to a live person we stated stop calling and they didnt.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with 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 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 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 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 card

Wells Fargo denied my claim to dispute a charge of {$15000.00} to a company named XXXX. The reason for their denial was that the company furnished a contract and claimed they rendered service. This company is a scam, selling online business and a coaching program. They flat out lied to me about everything. They sold me an online business that they said would be profitable making $ XXXX in months and $ XXXX a year $ XXXX in 3 years. Not only did I not make a penny, they never provided anything more than a 5 minute phone call every week and a non-functional website. They are getting away with scamming unsuspecting consumers and my bank is helping them. Is it Wells Fargo 's right to take the companies word over their customers? To decipher a contract and decide what was and was not done. When you research this company there are dozens of complaints similar to mine. Furthermore they sold my name to about a dozen other cons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an obvious duplicate hard inquiry on my account. It is from the same company, XXXX XXXX, on the same day. I've requested removal via dispute and TransUnion will not open the dispute without the XXXX opening it. I find this to be against the FCRA dispute standards. Additionally, if these companies are responsible for creating complex algorithms to detect credit risk, they should be capable of suppressing obvious duplicate data. I shouldn't have to do anything as this agency which has been tasked with accurately detecting credit risk should be able to identify obvious duplicate data. On my XXXX XXXX report, the same inquiry shows XXXX  times and is one of the factors that is showing as a problem on my credit report because instead of XXXX inquiries it looks like I have XXXX.
Product: Mortgage

I closed on my home on XX/XX/2018, with XXXX XXXX servicing my mortgage. I was notified on XX/XX/2018, that my mortgage was sold to Amerihome. I immediately registered for an online account for Amerihome to attempt to establish a payment for my bill due XX/XX/XXXX. The option to make a payment was not available in my online account at that time ; therefore I contacted customer service who told me verbally that I would have to wait until after XX/XX/XXXX because my account was too new to make a payment that was due XX/XX/XXXX. On XX/XX/XXXX2, I attempted to log into my account and my account had been deactivated ; and when I attempted to register a new account, the system would not allow me to do so based on the fact that I had an existing account. At that time, I attempted to call customer service, which was closed. On XX/XX/XXXX, I called customer service and spoke to a representative who told me I have " stops '' placed on my account until XX/XX/XXXX, which block me from accessing my online account and making payments through the automatic phone system until after XX/XX/XXXX. Meanwhile, I have a bill due on XX/XX/XXXX and XX/XX/XXXX, while I am blocked from making payments online and through the automatic phone system. The customer service representative informed me that the only way to make a payment that is not made through the website or the automatic phone payment system, is through a customer service representative who will charge me an additional {$5.00} service fee to process my payment. In summary, I am blocked from making timely payments online or through the phone system, I am also blocked from establishing an automatic monthly withdrawal from my checking account, compelled to pay an extra fee to make a payment through the customer service representative ( which is the only option available to me ), and do not expect have access to my online account until XXXX. Furthermore, I had planned to make an extra payment to the principal each month, as I had done previously before my loan was transferred, and I am blocked from doing so without paying the additional compulsory fee ; therefore, the mortgage lender is charging me additional interest and PMI charges than I would otherwise pay, if I had full access to my account and was allowed to make additional payments to principal.
Product: Debt collection

XXXX XXXX XXXX, SC provides services in XXXX XXXX. Their charges are included in XXXX XXXX XXXX. My insurance paid for everything because I was billed by XXXX XXXX for all services provided in its facility. 
They must contact XXXX XXXX since XXXX XXXX XXXX received claims from the hospital, never received any claim from the creditor. My insurance was billed by XXXX XXXX directly. The service is included in the facility. 
I received a notice ( attached ) to reply by XX/XX/2022 to stop collection and and replied with a certified letter ( proof attached ) on XX/XX/2022 and sent many letters prior to that notice to the creditor and was ignored. my insurance was not contacted as well. they violated my rights and blame me for paid debt, they ruined my credit score for debt paid by my insurance and they failed to submit a claim to my insurance.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I noticed XXXX fraudulent accounts on my credit report. XXXX from XXXX  XXXX, account number XXXX with charges of {$XXXX}, and another fraudulent accounts from, XXXX XXXX, account number XXXX with charges of {$XXXX}. These accounts were not authorized by and and are fraudulent. I will be filing a lawsuit. I fill out a FTC report for identity and sent the paper work to said company, TransUnion, which had reported the fraudulent account on my credit report to take it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  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 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 to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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!
Product: Debt collection

I received XXXX notification by Diversified Consultants Inc in XXXX 2015 ; I had 30 days to make arrangements per law or the debt will be reported on my credit report. I went online and made my first installment within 30 days ; company accepted terms, collected first payment and the company still falsely reported to the credit reporting agencies as unpaid amount ( which is not trueO and I continue to make no attempts to pay the debt. This has caused undue hardship to my credit score and is in violation of the consumer credit laws.
Product: Checking or savings account

My Apple XXXX card has been compromised for a year. Unauthorized transactions are in different cities, states on the same date and time, in some cases. 

It is tied to my XXXX XXXX bank account. I can prove with both bank statements and Apple statements the discrepancies. 

It's about $ XXXX so far. 

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

These companies obtained my report without my consent or knowledge XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX. XXXX ) XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX. XXXX ) XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I taken a small loan out with XXXX  via online. I agreed to payback XXXX however I was not able to payback loan and it was sold to 3rd party company. I paid XXXX on XX/XX/XXXX to collection agency who verified my payment. XXXX acknowledged they received payment confirmation however refuses to close my account and still has my account in negative but active status. As of today my account reflects that I owe {$360.00} due date of XX/XX/XXXX and XXXX  days past due. 
This reflects negative on my credit report and also prevents me from obtaining loan from other businesses. I asked XXXX multiple times to close my account and they refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called, sent correct letters to remove incorrect information off my credit report, they havent sent any information verifying that the inquire is correct.
Product: Vehicle loan or lease

Why Hyundai of XXXX XXXX is running a hard credit without my authorization and I didn't request to buy or lease any car. 
My XXXX returns the car and lease for 36 months fine, but suddenly without my authorization, they make a hard inquire twice. I didn't request, I didn't buy or lease a car under my name?, why impact me for 26 months and twice? 
Check attached
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX DEPT OF EDXXXX was never late! I have had exceptional payment history witH XXXX  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 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 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 AND DEPT OF ED/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

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file DEPTEDXXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report because its holding me back from getting approved for a car .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. I noticed these issue on : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural erson, I am living human being, I have rights under 15 USC 1681. 
Experian is govern by 1681, and they violated my rights numerous of times. I demand that accounts listed below be removed immeditaly XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$500.00} written off. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5400.00} Status Account charged off. {$5400.00} written off. {$5400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3000.00} Status Account charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. {$850.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$690.00} XXXX Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$610.00} Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$350.00} Status Account charged off. {$350.00} written off. {$350.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7300.00} Status Account charged off. {$7300.00} written off. {$7300.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Account charged off. {$2900.00} written off. {$2900.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid in settlement. {$8100.00} written off. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$500.00} Status Collection account. {$5.00} According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts.
Product: Vehicle loan or lease

XXXX XXXX says I've only payed XXXX XXXX towards my auto loan but I gave them XXXX dollars down for the car and have been giving them XXXX every month for a year so I'm just wondering where my money is going and why is my credit not going up at all
Product: Credit reporting or other personal consumer reports

{ Please Refer to ATTACHED while reading this complaint } XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number XXXX, on my Equifax Credit Report , is INACCURATE ; It contains an ERRONEOUS 30-day Late Payment. I was NEVER LATE making a payment on this Account. I CLOSED this Credit Card Account in XX/XX/XXXX, and PAID IT IN FULL in XX/XX/XXXX. The STATUS of this Account is CLOSED, CURRENT, and PAID. My Equifax Credit Report is showing a 30-day Late Payment in XX/XX/XXXX, which is SEVERAL MONTHS [ AFTER ] I CLOSED and PAID the Account. I have tried to DISPUTE this ERRONEOUS LATE PAYMENT Information with Equifax and XXXX XXXX XXXX XXXX. Most recently, I DISPUTED it on XX/XX/XXXX to Equifax. Equifax completed this dispute on XX/XX/XXXX, but is still reporting the same ERRONEOUS 30-day LATE PAYMENT Information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX I've sent multiple letters and supporting documentation to Equifax showing that the XXXX bankruptcy records that they have listed as well as the accounts for XXXX XXXX Bank and Bank XXXXXXXX XXXX  all need to be removed from Equifax reports as this information is invalid. 

I've submitted documentation from the Federal Bankruptcy Court as well as XXXX XXXX showing that there is no record of these bankruptcy records. Yet Equifax continues to claim that they have validate/ verified these records. I've also provided documentation directly from XXXX XXXX Bank and the Bank XXXX XXXX that show that they do not have any accounts listed for me. And Equifax continues to report this information as well. 

I've provided this information to Equifax multiple times in XXXX, XXXX, XXXX, and XXXX of XXXX as well as in XXXX of XXXX. And I just called Equifax on XX/XX/XXXX and they claim to have not received any of this documentation. However, the representative claims to not see any of this documentation. I know that not to be true as I have confirmation via copies of my XXXX Mail and XXXX Receipts showing that all copies of all of this documentation was indeed received by Equifax. 

This means that Equifax is blatantly intentionally reporting this fraudulent information. Equifax has recently been held legally responsible for these fraudulent activities. I am also a member of the Data Breach Class Action Settlement Class which is also another case where Equifax is legally responsible for continuing to report information that they know is invalid.
Product: Credit reporting or other personal consumer reports

I wrote to Equifax. My confirmation number is XXXX XX/XX/year>. I was asking for a copy of my XXXX paperwork for a cancellation of debt is required if the debt was canceled that should be reported to the IRS and the actual amount of the {$9000.00} that I owe is incorrect..
Product: Credit reporting or other personal consumer reports

trying to remove hard inquiries that were not mine, i did not authorize and credit pulls in the past 12 months