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

XXXX XXXX, Reporting and complaint about my credit problem I recently bought some thing from XXXX and I use the XXXX XXXX XXXX XXXX XXXX.There been a problem were I've tried to pay on the card and tried to login and it's not letting me pay on it and I've called the company and its been 3 mouths and the payment keeps going up. 


My XXXX XXXX number is : XXXX XXXX XXXX XXXX social number : XXXX email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with those creditors 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 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.

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 or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Michigan Laws Dear LVNVFUNDG, I am writing to address the unauthorized reporting of information to my credit report, which violates the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, your actions infringe on Michigan 's identity theft and consumer protection laws, including the Michigan Identity Theft Protection Act ( MCL 445.61445.79c ) and the Michigan Consumer Protection Act ( MCL 445.901445.922 ).

It has come to my attention that LVNVFUNDG has reported information to my credit report without my explicit consent. The FCRA mandates that consumer consent is a prerequisite for any such reporting, as outlined in Section 1681b ( a ) ( 2 ). Michigan law further underscores the importance of safeguarding consumer rights and prohibits unauthorized use or disclosure of personal information under the Identity Theft Protection Act ( MCL 445.72 ). 

I assert unequivocally that I have not provided consent for LVNVFUNDG to report any information to my credit report. This lack of authorization constitutes a violation of my rights, exposes me to potential harm, and demonstrates a disregard for federal and Michigan laws. 

In addition to the federal FCRA provisions, Michigan law imposes specific requirements on entities handling consumer information. Under MCL 445.72, any unauthorized use or disclosure of personal information must be promptly corrected, and affected individuals must be notified. LVNVFUNDG unauthorized reporting may also constitute unfair trade practices under the Michigan Consumer Protection Act, MCL 445.903 ( 1 ).

I demand that LVNVFUNDG immediately cease reporting any information to my credit report without obtaining my explicit consent, as required by federal and Michigan law. You are further required to remove any unauthorized entries from my credit report and provide written confirmation of this action within XXXX  days of this notice. Failure to comply will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Michigan Attorney General 's Office, and pursuing legal remedies under applicable laws. 

This demand is not negotiable but a legal obligation under the FCRA and Michigan state law. I urge you to address this matter promptly to avoid further legal consequences. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2018 - I tried to log into my account at XXXX / Goldman Sachs Bank USA, and was given a screen with new types of agreements that I had to digitally sign. The company would not allow me to get into my account until I signed all of these agreements. One of the agreements they required me to sign was an Authorization to monitor my credit reports whenever they wanted to. There was no way for me to agree to other agreements that make sense ( Privacy agreement, ACH authorization, etc. ) without agreeing to allow them to monitor my credit at any time. I view this as an Unfair, Deceptive or Abusive Act or Practice under Dodd Frank. A company should not condition my access to my online account on signing an authorization to monitor my credit at any time. I would like XXXX / Goldman Sachs Bank USA to discontinue this deceptive practice as soon as possible.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
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: Credit reporting, credit repair services, or other personal consumer reports

There is a item that on my account that is in collections that I have never been aware of. I think it may belong to someone else. I was wrongfully told by this debt collection agency if I was to pay the charge that this would resolve the issue. I would like this collection account immediately removed please or I will proceed with further legal action. Thank you. 


****This is on my XXXX report please remove immediately***** CREDIT PROTECTION ASSOCIATION XXXX Orginal Creditor XXXX XXXX XX/XX/2012 XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently request a thorough investigation and removal of inaccurate information from my credit report. The items in question are negatively impacting my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to file a complaint about specific records in my document as a result of their misbehavior. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, block the mention of any information in my credit report that resulted from alleged fraud. According to Section 605b of the FCRA, CREDIT BUREAUS is required by law to remove any ITEMS or information discovered to have been opened as a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL 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 XXXX
Product: Prepaid card

Contacted company multiple times because card did not work. Keep getting the run-around and am told they are doing something to fix it when in fact they are not.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1692g - Validation of debts ; and FCRA laws ; Experian must provide how they verified debt that allegedly belongs to me in this manner : 1 ) Provide details on how Experian verified these accounts. 
2 ) Provide an original contract for each account with my wet signature. 
3 ) Provide documentation showing that I am contractually obligated to pay these debts. 
4 ) Provide proof that XXXX XXXX XXXX, and XXXX XXXX XXXX has the legal right to collect these debts. 
5 ) Provide any agreements or contracts I purposedly signed with XXXX XXXX XXXX, and XXXX XXXX Fact.
Product: Credit reporting or other personal consumer reports

The account was paid in full and closed, but it is inaccurately reported as 30 days late.

Mention that this violation of FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 Field 17A is misleading and harmful to your credit score.

State that the inaccurate reporting violates your rights under the FCRA and Metro 2 compliance standards, and you have already disputed it with the credit bureaus but seek further resolution.
Product: Debt collection

I was scammed on a $ XXXX I lost it all. I hired and gave XXXX of are to settle my debt for an agreed amount. Im depositing {$400.00} every mont. not missing a payment. 
Yesterday. Nearly 6 months later, mon XXXX, XXXX XXXX sent me an invoice for the XXXX + {$16000.00}. Atty fees? 
I didnt hire them. My company XXXX XXXX has been dealing XXXX them. 
XXXX law is now contacting me when its unlawful threatening me for payment I want to know my legal recourse for threats, harassment and False invoices on outrageous fees. 

I going to sue them
Product: Debt collection

I have had a credit card from XXXX since XXXX. When I wasn't able to work in XXXX, due to a XXXX XXXX, and, not being able to collect any XXXX payment, I fell behind with my bills.Upon reporting my unemployment situation to XXXX, I was offered a payment plan option. I made payments until I wasn't able to continue to. Then my account was charged off for {$1500.00}, in XXXX. I contacted the lender about a potential settlement in early XXXX, I was told that my account was sold to third party. A collection law firm. Then I contacted that law firm, in an attempt to help me get rid of this debt. Instead of offering me an opportunity to settle the account representative who identified herself as XXXX, told that, " Either you pay this debt in full, or we'll sent a request for garnishment to your job ... '' I kept on calling for payment option, every time I called, I'm given a new higher payment amount. I was told that I have accumulating late fees, interests, service charges accrued, being level on me, every single day that the account goes unpaid. And the latest updated charge as of XX/XX/XXXX, and per representative XXXX, the current amount that I owe on the account, is {$170000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquires that is on my credit report that I did not authorize. They are XXXX, XXXX, XXXX XXXX, and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove these items, any none account holding inquiries and any address other than my current address to prevent any further damage to my credit report.After you have remove items please send me copy of updated report. 
An FTC had been filed and a police report will be filed. 
Thank you.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I disputed a collection account and received a letter dated XXXX/XXXX/2016 stating that the record would be deleted from all credit files. I just noticed that after deletion the trade line has been added back to my XXXX report. Equifax sent a standard response of : Please be advised the creditor verified the XXXX XXXX XXXX account number XXXX correct as reported by credit grantor in case number XXXX. 
Apparently the letter ATTACHED stating the trade line will be deleted was NOT reviewed!!!!!!! Is this website/credit bureaus even PARTIALLY responsible for assisting with this matter instead of just replying with a simple one liner WITHOUT reviewing the facts???!!!!!
Product: Debt collection

The debt was charged off by XXXX XXXX and I formally request that XXXX XXXX XXXX cease all collection efforts immediately. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are required to cease communication with me upon written request. Additionally, I dispute the validity of this debt and request validation as required by 15 U.S.C. 1692g ( b ). Any further contact beyond providing verification of the debt will be considered a violation of federal law.
Product: Prepaid card

Heyyy, PLEASE HELP ASAP So I bought this XXXX  prepaid gift card from XXXX XXXX at XXXX XXXX2023 and preloaded it with 500 dollars + XXXX dollar activation, well they said its gon take 2 hours and after 2 hours when I tried to use it at multiple places it never worked then I checked the funds online XXXX XXXXt showed 500usd but status was on hold contact them, so after a hectic wait I got onto one of the customer rep and what he said was that he can send me a replacement card in 7-10 working days but Ill be leaving the states in a few days so I requested a refund or smth which they clearly declined, how is it my fault that the card upon activation wasnt working now Im left with no money and on vacation in the USA please help me as I dont know how to survive now
Product: Debt collection

They clain this is a debt that I owe from XXXX that was charged off in 2009 that would be 14 years ago which I know is past the statute of limitations I responded with an email that it is past and that I would not have any records that far back anyway so leave me alone but they keep sending emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, through gross negligence and a failure to protect my confidential information, has exposed me to a lifetime of increased fraud risk by disclosing my credit report to an unknown adversary during their 2017 data breech. Through absolutely no fault of my own, a vendor with which I have never contracted nor approved has leaked my most personal identifying information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern XXXX XXXX has violated my rights : account number XXXX account number XXXX account number XXXX account number XXXX and account number XXXX I did not authorize anyone employed by this company to create a account in my name and or furnish any of my personal information this is a violation of Fair credit reporting act section 1681b ( c ) and a serious breach of my privacy rights
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I was told to take the money that was put into my account to XXXX to pay the fdic to boost my credit to get the loan on XX/XX/XXXX I did the same thing it was XXXX $ XXXX days he said this money was to boost my credit score to get the loan now the money I sent him on the XXXX money cards is coming out of my account XXXX $ today and the bank said the other XXXX $ will come out of my account also
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. You are reporting a DELETED account/information from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE the negativity.. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXXXXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Requested information about account that is not my account and I would like to have a copy of the signing contract company denied request and after cease and desist letter still receiving collection calls and letters with saying the police has a file in their office for my arrest
Product: Credit card or prepaid card

XX/XX/2023 - XXXX  documented a " HARD INQUIRY '' from : " NORDSTROM/TD BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' XX/XX/2023 thru XX/XX/2023 - My PHONE, EMAIL, FINANCIAL INSTITUTIONS '' ( 3 ) were compromised resulting loss of cell phone use. XXXX bank froze my account due to suspicious attempts for a credit card, XXXX XXXX recv 'd 5 credit card charges, on 2 different credit cards, each charge was approx {$4800.00} and totaling approx {$25000.00} ). The charger 's ID is : " XXXX XXXX # XXXX XXXXXXXX XXXX '' on bank statement. On XX/XX/2023 I am a cosigner for my sister at XXXX  XXXXXXXX XXXX, and her debit card was charged approx {$4800.00}. Specifically, there were charges for {$4600.00} and {$4800.00} ). 
My brother and sister are on my XXXX XXXX phone plan, and we are all receiving security codes ( approx 20 as of today ) whenever fraudster attempts to access our phone account and XXXX XXXX sends a verification code. 
Actions taken : I have ordered new phone and sim card from XXXX XXXX, I have replaced XXXX XXXX XXXX, I canceled all credit/debit cards and requested new ones, and changed all checking/savings accounts numbers, and filed claims on the credit card charges. I have changed all passwords, pins, security questions. I have requested credit report, placed a freeze/fraud alert on XXXX, XXXX and XXXX. NOTE : Only XXXX showed the Hard Inquiry from Nordstrom! I contacted NORDSTROM TD BANK, and they said a credit card application had been filed and approved, and their fraud dept would be notified. NOTE : When XXXX canceled my existing card and reissued a new one, they sent the card information to me via a secure email, and within hours, the new card had fraudulent charges on it ... which is how I knew my email had been compromised.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

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

I have requested the erroneous accounts be removed from my account. I do not own these account nor have I ever. I have provided all the proof that is required to get these accounts removed. The company hasn't given proof accuracy of any of these accounts this completely goes against the FCRA. This is ruining my life!
Product: Credit card or prepaid card

I have gotten a new credit card from CitiCards after it merged with MasterCard. A few weeks later, on XX/XX/XXXX I received a text message about a fraud alert on my account. I have called and found out that there were fraud charges made in my account since XX/XX/XXXX. I confirmed that these were in fact fraud and was given a new credit card number. Upon receiving my credit card and checking my balance online, I found that charges on my old card continued until XX/XX/XXXX even though I called on the XXXX. The total amount of fraud charges from XX/XX/XXXX through XXXX was {$2900.00}. After my call, I was only credited {$1400.00} and remaining balance of {$1500.00} was left under investigation. Its been 2 months and now investigation is closed and Im being told that I have to pay this amount because citi somehow identified that Ive made those charges. I dont have any receipts or any paperwork to prove that I didnt make these fraud purchases and I didnt make them either. I rarely spend this much money on a monthly basis. Please help me to resolve this issue. I would appreciate anybodys feedback and Im very disappointed with citicards services especially because Ive been a card member for many years.
Product: Checking or savings account

This company current bank disbursed funds related to my tax return into the wrong account. They were made aware of this and dragged their feet to freeze the account and reject them. The account name did not match the transaction should have been rejected or put on hold for further investigation as apparently this is fraud. The company agreed to issue a portion of my tax refund when Im owed {$6500.00}. The refund was in my name and I want my money asap they refuse to give me my money. The bank is fraudulent!