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

l have wrote ( 3 times ) XXXX, Equifax, and XXXX about a bankruptcy that on 3 of my reports ( US Bankruptcy Court Docket # XXXX  ). I sent them a letter on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( I have the receipts to prove it ). They said they got their information from the courts or XXXX. I wrote the courts and they said they don't deal with the credit bureaus. And my XXXX report has a freeze on it, so they couldn't have done a reinvestigation. I sent them in the letters I received from the courts and XXXX and they still said it was verified. I requested to see any court documents bearing my signuture and, I have seen nothing. This has been almost 90 days. I sent them facts ( proof ) that they were not being 100 % truthful about their reinvestigation. And they could not show me any paperwork from the court making me liable for this information they were reporting about me. It's the courts job to report a bankruptcy, not the a third party vendor like XXXX. Which is a voilation of the FCRA. Plus, XXXX is verifing me by my last 4 Social Security # s. They can not do that either.
Product: Debt collection

I am a former XXXX customer. I am just trying to get this false report off of my credit. According to this fraud of a collections agency, Receivables Performance Management, XXXX sent my mobile account into collections in XXXX. However, I received bills from XXXX, including continuing charges up until XXXX. My final bill was due at the end of XXXX. I was on a payment arrangement with XXXX and the account was paid in full in XXXX ( including several payments before the payoff date ). I have several recent audio recordings of XXXX finance confirming that they never sent the mobile account to Receivables Performance Management and that the account has been paid in full and closed. I never dealt with this collection agency ; all payments were made to XXXX. XXXX will not remove negative report unless XXXX sends a letter confirming what they told me. Spent hours on the phone and XXXX will not send any letters condemning this fraud on my report. I want XXXX and Receivables Performance Management to take responsibility in getting this negative report removed.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) an an Transunion its ( XX/XX/XXXX ) and on XXXX its ( XX/XX/XXXX ) If the information is coming from the original credtor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 
ACCOUNT NUMBERXXXX
Product: Credit reporting

On XXXX/XXXX/XXXX Equifax issued the results of my dispute concerning erroneous information reported in my credit file. My report was updated as a result. Today I discovered that the false information had been re-inserted in the file, a fact I only learned because I received a letter from XXXX ( my credit card company ), advising me that as a result of reviewing my credit report with Equifax they took advserse action as to my standing and reduced my credit line ( essentially down to the existing balance amount ). Equifax acted illegally because I was not provided 5 days notice of the re-insertion ( which they have also failed to do in the past ) and because the information is false. The XXXX account in question was forgiven in XXXX and reported to the IRS on a XXXX as income to me as a result. It appears that the account has once again been re-aged for purposes of updating the negative reporting ( shows XXXX ) which is also illegal. Moreover, the law states that if the account can not be verified it must be deleted, which Equifax appears unwilling to do as it is required. I am attaching the following documentation : 1 ) the entry of XXXX in my report as it is showing today, 2 ) the XXXX from the XXXX forgiveness, 3 ) the XXXX/XXXX/XXXX Equifax dispute results, 4 ) the entry of the XXXX account on my credit report as of the XXXX/XXXX/XXXX dispute results and 5 ) the list of creditors, from my report as of today, which have done an account review when the false information was included in my report and depressing my credit score ( this include XXXX 's which too adverse action and XXXX ).
Product: Debt collection

more than 4 months i received collection form Equifax regarding my previous renter with collector company named XXXX XXXX for amount of {$1300.00} but i have 2 judgements against this i called Equifax and start dispute more than 7 times but no responds from them so i need to remove this collection from this company in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX internet in summer XXXX in XXXX while I was doing my internship. I closed my account and returned their equipment and moved back to Arizona for completing school. XXXX said I had to pay XXXX $ and send it to collection. I was never aware of any payment I had to make. Recently when I applied for a mortgage I became aware of this situation and that it was hurting my credit. Waypoint resource group ( collections agency ) refused to remove this from my credit report. I even called XXXX and tried paying off this charge which I was not even aware of in XX/XX/XXXX. They still refuse to remove this from my credit report. My credit is fairly decent with this charge being the only black mark.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX bank account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX Bank Account XXXX XXXX XXXX XXXX XXXX/ account # XXXX XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a comsumer reporting agency can not furnish a account without my written instructions 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.
Product: Bank account or service

About a year ago and a half i surrended voluntarily a car to First Bank of Puerto Rico inability to pay because I was in a lawsuit contesting paternity of a child under age XXXX it was discovered that was not my legal son and I had very many legal expenses, after having delivered the car to First Bank they sent me a letter charging me {$4.00} dollars because they sold the car at auction and what lost me were charging. 

A year and three months later the FB entered my checking account and they seized {$1.00} dollars without my autorization authorizing themselves without notifying me anything. At the time I thought it was fraud and when I went to the bank said it was time to hand over the car and that 's why they themselves appropriated money. 

First I have never authorized anyone to retire money from my account and there is also no statement yet against me where it is ordered seize money from my checking account
Product: Debt collection

AMEX XXXX XX/XX/XXXX {$10000.00} AMEX XXXX XX/XX/XXXX $ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1500.00}
Product: Credit card

The bank that issues this card has decreased my limit 2 times now when it gets within a XXXX  XXXX dollars of it's limit. I have never been late nor have I ever gone over the limit but this last time they decreased it it was In conjuction with a payment causing me to go over the limit and making my credit score jump XXXX points. They knew the high fees that they charge would aid in going over the limit. As I stated already I always pay my bills regardless of what my current balance is which is never over it's limit. I have another card with them that was paid off through insurance that I keep on any of my accounts in case I lose my job or injured etc. But I lost my job about 3 years ago which was out of my control and that card got paid off and I was told by insurance company that they disputed it. Just seems odd this bank is only card issuer I've run into yet that decreases ones limit no matter if one pays there bill on time.
Product: Credit reporting or other personal consumer reports

I was viewing my credit report and noticed unfamiliar inquiries. My information have been used to apply for credit cards recently and commit fraud without my authorization. I ask that these inquiries be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX ( XXXX ) Account # 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 instructions 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the 3 credit bureaus that I was a victim of Identity Theft. It seems the 3 credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX. ) XXXX Balance Owed : {$450.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$3200.00} ; 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: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX, XXXXXXXX XXXX XXXX XXXX  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. 

XXXXXXXX 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

I recently checked my credit report and notices a few inquires that I did not apply for. I am a victim of identity theft would like the inquires removed
Product: Debt collection

I have a charged off account with capital one that was opened XX/XX/XXXX. Then they sold the account to a debt collector on XX/XX/XXXX so now it looks on my credit as if there are two negative accounts one showing from XXXX  XXXX and the other showing from portfolio recovery associates. Which is incorrect because they are potentially the same account. The account is over 6 yrs old therefore by Ohio law and the FCRA the debt collection company can no longer sue for collection of this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting that i am 115 days pass due on an auto loan. They submitted the incorrect information to my gap insurance that is refusing to pay for a vechile that has been declared a total loss. In XX/XX/2018 they mailed me a letter stating that my report has or will be suppressed until they receive payment from my GAP insurance company, but they have been reporting anyway. I have contacted all three credit bureaus that they are reporting incorrect information. I submitted the letter for them to delete the information and they refused to delete it. It is hurting my credit tremendously, by showing that i am 115 days pass due.
Product: Debt collection

The company has contacted me multiple times about this debt, and every time I request more information, they say they will mail me a letter. After a few months of this, they finally mailed me a letter but it contains no information about the debt other than the amount. It says the debt is to XXXX but I currently have a XXXX account and do n't show a balance due on the bill. Additionally, the company never said that I could dispute the debt or gave me information on how to verify the debt. In conclusion, this debt is not mine, and the company failed to provide further information or ways to dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C.  1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

I received auto insurance through my BANK USAA and I was involved in a car wreck which had nothing to do with me but they deemed my car a total loss and continued to collect insurance payments from my bank account months afterward instead of canceling it due to the total loss. They fraudulently kept it open and collected payments that were invalid. They never sent me the check that they wrote I would receive as well. I am reporting fraud and asking for the. To send me my check and to stop stealing fake payments from my checking account which is also USAA. When I check my account it states the car is deemed a loss and this means they should have closed my account the Investigation is over. They received all documentation the minute It was received.
Product: Credit card

I made a payment to my Avant card on XX/XX/XXXX for the amount of {$25.00}. 
I confirm with my bank and took screenshots of both Avant apps website and my bank which is XXXX 's website confirming the transaction was processed and posted. On XX/XX/XXXX Avant bank canceled this transaction on their end and could not tell me why it was canceled. When further asking them to investigate they told me I had to contact my bank which I already did, and once again my bank confirmed everything was processed on their end and the transaction went through and shows that Avant bank pulled the money out for the amount of {$25.00} on XX/XX/XXXX. I have had Avant bank mysteriously make payments disappear before with no explanation, and charge me late fees creating an illegal billing scenario on their end, also after doing further investigation I show that Avant bank LLC has been sued for illegal billing practices/scaming customers in XX/XX/XXXX. Avant bank LLC creates illegal billing scenarios where they cancel your payment, and then claim to have no knowledge of canceling it causing you to have a late fee the following statement for not making a payment, then they charge you a late fee once again because you end up two payments behind. I have also filed a complaint with the FTC and will be following up with legal counsel on a potential class action lawsuit regarding Avant bank LLC 's illegal billing practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS NOT LATE ON MY AUTO I WAS XXXX  WITH XXXX  XXXX PLEASE HELP TO UPSDATE MY CREDIT I ENCLOSED PROOF
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not familiar with the inquiries mentioned, and I kindly request that you address this matter promptly. I have attached supporting documents for your reference. Please investigate the issue and take appropriate action to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX  1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

FOR XXXX  1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

FOR TransUnion 1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.