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

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXXXXXX - {$11.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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, credit repair services, or other personal consumer reports

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief and I demand that you remove these errors to correct my report immediately. I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney! Someone used my information to purchase a vehicle and credit card in my name and I need the following removed from my credit report that's listed in the report.
Product: Debt collection

This is a debt now turned over to collection which the credit card company has written off - this is not my debt. My brother who was living with me at the time up to his death unknown to me, opened up and used credit cards with my social security information and address and other information. I did not learn of all this debt until his death in XXXX. I am XXXX years old and trusted that my brother was helping me with monthly bills and payments, not knowing he was using my credit information to obtain numerous credit cards and making charges. I have reported this as fraud and advised these charges are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX, KXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and and say it's mine. According to the FCRA, 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 has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Debt collection

XXXX XXXX XXXX a noticed was received in the mail from a collection agency to my father who has XXXX  away. The notice indicated it was issued by the XXXX XXXX XXXX XXXX. I owned a vehicle with my father and did attend the XXXX  college of XXXX. I contacted the XXXX Police on XXXX XXXX at approximately XXXX and was advised this would be the parking section. At approximately XXXX I was able to talk to a live person, I indicated that I have never received notice of a parking ticket and this was the first time a notice was seen from a collection agency. I was advised they are doing an audit and trying to reclaim unpaid tickets. I was then told that the ticket was left on my window and that they have a photo of this ticket left on XX/XX/XXXX. I advised that the ticket was never received or it would have been paid then if it was known to me, the women stated that people don't go around removing tickets. Again I indicated that I did not get the notice or a ticket. At this point I asked what the original amount of the ticket was and was told it was for XXXX, I indicated I would pay that amount to settle this debt. I was told to pay to collection company but I would still owe the full XXXX. I than asked to speak to the supervisor and was placed on permanent hold. I hung up to call directly at XXXX and was directed to XXXX and asked to speak to the Manager of the parking department. I was transferred to XXXX the Parking Business Manager. I advised her that the ticket was never received and that I would like to settle this debt with the original amount and indicated that the ticket was never received or it would have been paid that day. I also indicated that I would be happy to pay the XXXX today but was told that it would still be in collections and that the car was in my fathers and my name and I will need to pay the debt because they had also mailed out notification to the address verified. I again indicated that the only notice received was a collection notice on XX/XX/XXXX by US mail and this in unfair practice when I am trying to take care of this matter and pay the XXXX. I had indicated that again I did not get a ticket and I would like to take care of this now. Given that we are currently under a pandemic and some people just can't pay or afford to pay bills at this time this was not ethical. I was then told it was going to collections and she refused to take the payment of XXXX offered.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, and I am forwarding this correspondence as an urgent request for you to delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted in order to correct and update my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copy of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. I am a victim of identity theft so I ask that you complete this with urgency. I am a victim of identity theft!! Please delete these items as soon as possible! PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible FROM ALL CREDIT BUREAUS!
Product: Credit card or prepaid card

Electronic payment was made to credit card account on XX/XX/2020. On XX/XX/XXXX, I requested that the funds be applied to raise available credit limit. XXXX XXXX refused citing large payment ( under {$5500.00} ) and new account ( under 30 days ) stating a 10 day " float '' was policy. I requested a more complete explanation of the process involved in the alleged " while we wait for the ( electronic ) payment to clear with the other institution. '' I also questioned the applicability of 12 FCR 229.13 ( 1 ) vs the applied 10 day " float. '' The second reply ignored the request for a more complete explanation of the payment clearance process and simply stated " it typically takes 5-7 business days for payments to fully clear the other institution. '' The credit union also ignored my request of how funds availability mandated under 12 FCR 229.13 ( 1 ) applies to the electronic payment.
Product: Credit reporting or other personal consumer reports

hi i tried disputing a collection account on my report with Experian and can't get it resolved name on account is- XXXX XXXX XXXX account number XXXX they keep reporting it as a Collection this account is been paid since XXXX  they haven't deleted it i keep getting denied when i apply for any new accounts cause it comes out as collection don't know why is still on my report i tried disputing it and don't know were there getting there information from it shows the lack of respect they have for law abiden citizen all they doing is hurting me more i ask you get them to remove it since i tried plenty of times i truly ask for ya help in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS HAVE VIOLATED MY RIGHTS : XXXX XXXXXXXX XXXX {$430.00} XXXX XXXX XXXX {$130.00} XXXX {$71.00} XXXX {$140.00} XXXX {$150.00} XXXX {$150.00} XXXX {$210.00} XXXX {$65.00} XXXX {$150.00} XXXX {$150.00} XXXX XXXX  XXXX {$290.00} XXXX XXXX  XXXX {$940.00} XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX {$3200.00} XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

In XX/XX/XXXX I requested a refund of a credit balance of {$430.00}. The person on the phone asked for my address, I gave her my address and she said that I would get the refund in about 30 days. I asked if it was going to be a Citi or a non-descript envelope and she said Citi. 
After the 30 days had passed I called again and was told that they were going to re-issue the check. When I gave her my address she indicated that they still had my old address on file. She corrected my address and told me to expect a non-descript envelope in 30 days. 
On XX/XX/XXXX I called about the status of my reimbursement. XXXX told me that it had been processed and that it should arrive by Thursday ( XX/XX/XXXX ). 
On XX/XX/XXXX I called about the status of my reimbursement and to speak to a supervisor. XXXX told me that a supervisor would call me in 24 hours. 
On XX/XX/XXXX I received a call from a Citi supervisor and she assured me that the payment was going to be reissued. She told me that she was going to find out if the check could be XXXX and that she was going to call me back to let me know. She never called back. 
On XX/XX/XXXX I called again and XXXX said that the payment was arriving that week. 
I have checked the mailbox every single day for months now and I have received no check. I get Citi 's junk mail just fine. Today is XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$430.00} By the provisions of the Fair Credit Reporting Act, I demand that this items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Product: Vehicle loan or lease

I receive harassing phone calls from Nicholas Financials XXXX XXXX, NC branch. I have received today alone 10 calls from XXXX between the hours of XXXX and XXXX regarding my car note being 30 days past due. This is absolutely insane. The employee 's call but do not leave a voicemail.
Product: Debt collection

XXXX was paid XX/XX/XXXX. The next correspondence was a collection notice XX/XX/XXXX.. 
If I had n't paid they would have sent me another bill and I did not receive any bills in all that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX, account # XXXX ( XXXX Bank ) has violated my rights. 

In accordance to the Fair Credit Reporting Act XXXX, account # XXXX ( XXXX XXXX Bank ) has violated my rights. 

In accordance to the Fair Credit Reporting Act XXXX, account # XXXX ( XXXX XXXX XXXX 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

My tax office called Rantax frauded me out of XXXX then told me the IRS with held it because I owed but didn't give me an explanation of why I owed them for my XXXX taxes the amount they left me with was XXXX but when I called up to Rantax they told me I went up there to sign for it using XXXX of my old signature but I stated I never received it and someone must of went up there and acted as me I told him to run his camera back but he said they couldn't go back about XXXX months which I know is a lie then he text! XXXX and told me the IRS had my money I called them and they said it was sent out to him and I called him again only for him to give me the run around saying I'll give you the bank it was cashed at but never did only a refund advantage number which I know he is committed fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX statement generated for the amount of {$200.00} due XX/XX/XXXX. I made a {$500.00} debit card payment on XX/XX/XXXX. I checked my XXXX credit report on XX/XX/XXXX and noticed Fortiva credit card monthly status reflected " late ''. I spoke with a Fortiva representative that day and the conversation goes as followed : Myself : " why is the company falsifying that I was late 30-days for the month of XXXX if in fact I made my payment 6-days past the due date not 30. '' ( In addition, made another payment of {$75.00} XX/XX/XXXX. ) Representative : " our billing cycle generates on the 15th of each month and is automatically reported to the bureau. Since you made a payment of {$500.00} you don't have to make a payment for XXXX. '' Myself : " come XXXX once the billing cycle generates again then the month of XXXX and XXXX should reflect as paid and in good standing. '' Representative : " yes. '' This incident did not sit well with me so I contacted my financial advisor and she recommended me to this site to file a complaint. I am in the process of trying to purchase my first home and this particular incident is impacting my credit score and can potentially hinder me from being approved for a mortgage loan. 

Thank you for your time, patience, and effort
Product: Debt collection

MCM # XXXX I received a letter in XX/XX/XXXX from XXXX collection agency about a purchased debt from XXXX XXXX for {$330.00}. I was told it was for a XXXX XXXX XXXX XXXX. I froze my credit a number of years ago so I knew the card wasn't mine. On XX/XX/XXXX I started phone conversations. I called XXXX and asked for backup. The company claimed it didn't have any backup that I would need to reach out to XXXX funding but as far as they were concerned the debt was valid. I called XXXX XXXX twice and spoke to 2 different people and they claimed they had no backup other than I was on a file. At this point I called XXXX XXXX and spoke to their rep and the company had shown that I had been offered a card but had never responded and I did not have a record with them. At this point I went back to XXXX and worked my way up through the chain and reached a manager who said that due to no back up being available the debt was closed. I asked specifically " This debt is closed and I will not hear from anyone else and that this discussion ended here? '' The manager confirmed this. About a week after that I received another letter from XXXX offering a discount on the amount owed which I just trashed assuming the matter was over. XX/XX/XXXX I received a letter from XXXX and the cycle had started again same debt /same vendor info. I called XXXX today MXX/XX/XXXX and  spoke to a rep who acknowledged my previous contact history and the cancellation of the debt from XXXX but still went into stock script " why don't you think you owe this debt and how can we resolve this? '' I repeated that if proof of debt can be provided I will pay but until then he should mark this debt as disputed. I asked for his name and mentioned that I was initiating a consumerfinance complaint and he became quite short and abrupt and the call ended. 

At no point have we received any contact from XXXX XXXX saying a debt was owed as we would have resolved way before now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND TRANSUNION HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE.. 

ACCOUNT : XXXX XXXX XXXX NOT MINE
Product: Credit reporting or other personal consumer reports

Upon reviewing my annual credit report with all three bureaus, the following 3 hard inquires were made ( not on my behalf ) : XXXX found on Experian credit report XXXX XXXX XXXX XXXXXXXX XXXX date of inquiry : XX/XX/year> ) XXXX found on XXXX credit report XXXX XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/year> ) XXXX found on XXXX credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/year> )
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit right act ( fcra ) to conduct a reasonable reinvestigation of disputed information, credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( cfpb ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer- provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Experian had neither corrected nor removed disputed items. Despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law, and my rights as a consumer.
Product: Checking or savings account

I made a {$400.00} cash deposit on Monday XX/XX/year>. Santander ATM machine went blank and said there was a error. My money can not be found and I called and given a claim number of XXXX. It has been a week and no money has been credited. 

The games and treatment over this mistake on the bank side is not okay. 

I just want my money back in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, Capital One Acc XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Has been deleted from XXXX and XXXX, but still remains on XXXX.
Product: Debt collection

The medical provider has sent my sample to out-of-network facility without my conscent. 
This bill doesn't belong to me.
Product: Vehicle loan or lease

On XX/XX/XXXX, I signed papers for the purchase of a XXXX XXXX for my son. I live in XXXX, MI, and my son lives in IL. He went to XXXX XXXX XXXX, in XXXX, IL, and the jeep was sold to us for {$29000.00} with XXXX miles. I did not realize they over charged us until my son tried to refinance the car to get it in his name. The credit union said they could not refinance the jeep for {$25000.00} that was the balance. They said the jeep was only worth {$9000.00}. I am retired and I can not afford to pay this balance on this jeep. Please help me with this problem.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 
Agency : Experian, XXXX and XXXX Account Name : XXXX XXXXXXXX Account number : XXXX XXXX This account has violated my rights under these federal laws : * XXXX5 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies. 

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit and reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.