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

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  failed to give me my XXXX XXXX  '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and XXXX under Section807 ( 1 ) AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$XXXX} per violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is held liable as well for defamation and in the state of XXXX indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in compliance with XXXX XXXX. I also have report this account to the FTC, and XXXXXXXX XXXX XXXXXXXX. I need this collection account to be removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company keep s changing info on my credit report. I have no contract with this company. Please see attached information on my multiple attempts. I have tried to resolve this issue multiply times. there is no litigation that is incorrect information. I have contacted investigators to have this company investigate so I can move forward. Company reports incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SANTANDER CONSUMER/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX  with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX 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. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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: Checking or savings account

My fiancee sent me {$150.00} to my chime banking account to withdrawal for her while I was at my local XXXX nj XXXX atm owned by XXXXXXXX XXXX the atm approved my transactions started to count the money, continued counting it several times before displaying a failed to dispense error message. Which to me indicated the machine had run out of money. My banking ap sent me an in app notification that the transaction had failed due to low funds and that my over draft protection couldn't cover it even tho I was withdrawing the exact XXXX XXXX i was just sent. I figured the next day the money would be back in my account but to my concern the transaction was suddenly approved. I immediately contacted the bank and they said the only thing they can do is file a dispute which they did on my behalf. The next day i was told they ended the dispute with zero evidence and zero contact from the merchant. I then contacted them again to refile the dispute and to ask for information on why it failed, they said they would send me the info and refile the dispute. They did not refile or approve another dispute. I then contacted XXXX XXXX to see what can be done since it was their atm, they said the only thing that can be done is to file a dispute with my bank and contact wawa. I then reached out to XXXX customer service and have yet to hear back from them about this issue that occured on XX/XX/XXXX XXXXXXXX XXXX  As of now my fiancee 's money has been stolen by one of these institutions and has caused her to default on her credit card payment plan which has ended the agreement plan she had set up. I am concerned the security footage showing me not receiving this money will be gone by the time i hear anything more on this issue and am at a loss as no one seems to care or want to even help in this issue. The transaction would be fully on video camera but as all transactions want paperless i do not have a receipt as well as the transaction failed initially so i did not receive one either way.
Product: Debt collection

I have been doing my own investigation into XXXX XXXX and their practices. I have found that I am being targeted by them and want compensation in the amount of XXXX per year that I been targeted. I sent in an identity theft packet to XXXX XXXX  in XX/XX/XXXX. XXXX did not respond to identity theft and turned my account over to Brock and Scott. Brock and Scott then obtained a garnishment against me and continued to go from county to county trying to garnish my wages. I recently filed a complaint against Brock and Scott and NOW XXXX wants to send me a packet about the identity theft. I have already furnished this information to them and this prompted me to start an investigation of my own. I pulled my credit reports to see that not only has Brock and Scott been pulling my credit file sometimes twice in one day so has XXXX. On XX/XX/XXXX Brock and Scott pulled my credit twice and on XX/XX/XXXX XXXX pulled my credit. This is on a XXXX report dated XX/XX/XXXX. Why if Brock and Scott are representing XXXX are they both pulling my credit? I want compensation for the 5 years that this has negatively affected my credit and for the embarrassment that has been caused because of this garnishment. I also want letters from both companies that this issue is settled and that no further irritation will be caused to me. I am a victim of Identity theft and should not be going through this
Product: Debt collection

Company is falsely and illegally reporting a debt to my credit profile through the CRA 's i have no knowledge of this debt or this company nor have i ever been in agreement with this company in any form or fashion
Product: Debt collection

I was shocked when I reviewed my credit report and found items on my report that are not mine. Creditor : Pinnacle Credit Services Account # : XXXX XXXX I have never had an account with Pinnacle Credit Services or its affliates. I am a victim of identity theft.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX [ EXPRESSED DATE : XX/XX/year> ] JJ Marshal & Associates XXXX XXXX XXXX XXXX, MI, XXXX Subject : Urgent Demand for Validation of Debt and Immediate Cease and Desist To Whom It May Concern, This letter serves as a formal and urgent demand for JJ Marshal & Associates to immediately cease all communication with me regarding the alleged debt JJ Marshal & Associates is claiming. JJM & A continued reliance on statements as evidence of this debt is wholly insufficient and contrary to established case law. The ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, clearly sets forth that mere statements do not constitute adequate proof of a debt. Therefore, I reject any assertions made by JJM & A agency based on these invalid documents. 

Moreover, I must address my previous cease and desist notice, which you have dishonored by your ongoing communication, particularly via credit reporting. I want to make it explicitly clear that a consumer report is indeed a form of communication. My cease and desist directive encompasses all modes of contact, including reporting this alleged debt to consumer reporting agencies. By failing to remove this information from my consumer reports, you are in clear violation of my rights as a consumer. 

Therefore, I am demanding the following actions be taken immediately : 1. **Cease all forms of communication regarding this alleged debt. ** 2. **Immediately remove any and all references to this alleged debt from my consumer reports. ** Your failure to comply with these demands will compel me to take further action, including, but not limited to, filing formal complaints with the Federal Trade Commission ( FTC ), as well as seeking legal counsel to protect my rights. I will not tolerate any further harassment or attempts to collect on a debt that has not been validated according to the law. 

I expect a written confirmation of your compliance with these demands within 15 days of receipt of this letter. This matter is serious and requires your immediate attention. 

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States that 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for a XXXX XXXX consumer disclosure report and received in the mail a web address and a pin to view/download a report. When I entered the pin, it stated that " we were not able to validate that pin please try again ''. I called the phone number on the website, XXXX which stated that " if you are not able to validate your pin or your pin is expired please call the LEXIS-NEXIS consumer center ''. When I called the phone number I got a menu that did not include allowing me to access my consumer disclosure report or did allow me to speak to a human, but it did allow me to request a another report which I did. I was also able to send an email requesting access to my consumer disclosure report stating the problem that I was having and received a case reference number XXXX. I received an email back that they would respond within XXXX hours on XX/XX/2023, but I have received no assistance in my valid claim for the consumer disclosure report. 

I received another letter in the mail with a web address and a pin and I repeated the exact process in paragraph 1 above. The new case reference number from the email is XXXX, but still no answer after another 48 hours. 

Could you please assist me with receiving a LEXIS-NEXIS consumer disclosure report? 

Thank you for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud and I am requesting a security freeze on my credit file. The following address are not accurate please delete : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, WV XXXX XXXX XXXX XXXX, XXXX, NY XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX , XXXX, WV XXXX Please delete the following cellphone numbers ( XXXX ) XXXX ( XXXX ) XXXX they are number mine.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT FRAUDULENT INQUIRES : INQUIRES XXXX XXXX XX/XX/XXXX XXXXXXXX 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 a consumer who spoke with XXXX on XXXX XXXX in XXXX, Texas Fraud Department who asked for me to provide a copy of my XXXX report in order to have fraudulent information blocked and deleted within XXXX business days. Here is a copy of the XXXX attached thanks.
Product: Credit reporting

Equifax is reporting a debt from XXXX for services not related to me. For the date of service stated on the debt, I had not been to the doctor, nor had I utilized this company 's services.
Product: Debt collection

XXXX XXXX not my Acct XXXX XXXX not mine
Product: Debt or credit management

Myself and my husband signed up for a debt settlement program through freedom debt relief, and was assigned to the Law Offices of Robert S. Gitmeid & Assoc. who were providing the services. I have paid in approximately $ XXXX since XXXX and have been contacted on 2 different occasions asking for an extra payment to cover a great settlement offer that they received for me. After the latest call asking for an extra payment on XX/XX/2024. I became curious as to the status of my account, as I had never logged in before. I was able to access my account online and immediately noticed that my account balance was at XXXX. That seemed very strange to me, as I know Ive paid in a lot of money. I wasnt aware exactly how much at the time, until I started calculating everything. Thats when I noticed the extremely high fees that I was being charged. Even before the accounts are even paid off. On one of the accounts that I calculated XXXX ), I was actually going to end up paying more then what I initially owed, between the settlement and their fees. The whole point of doing this program is to save money and get out of debt and I feel like Im being taken advantage of. Especially in my situation, where my husband is a XXXX vet who is no longer able to work and we are working with 1 income. I asked to cancel the program and be refunded, but was immediately told that they dont refund ANYONE and that I actually still owe them money, {$800.00} something dollars to be exact. This is very scary that companies like this can just take advantage of people in desperate need of help. I ask that someone please look into this matter, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I noticed XXXX and XXXX XXXX XXXX were showing incorrect accounts that were my ex-husband 's. I contacted them over and over and over again. Writing down names and times. Each time, they said that they were taking care of the issue. I even sent a notarized report they asked me to fill out. That was on XX/XX/XXXX. I received a letter reading that the matter was settled on XX/XX/XXXX. I still called because I could see that it was still on my report. I needed to go to Grad school to get a job, but couldn't do that without financial aid, which I could not get because of this. Thus, I would call again and again, the last time being told that on XX/XX/XXXX they had told the three credit reporting agencies to remove the account. But each time, they also put a caveat that I must fax in the credit report ( current - not past 60 days ) and then they would remove the problem again by contacting all the agencies. Or I could have the agencies contact them. I did both. And the credit agencies, when I followed up, all stated that they had called that company, but had not received the information requested. I finally gave up at the end of XXXX for school. I figured that the 7 year law would kick in and they would HAVE to follow the law. Still I called and went through all the loops all the way until today. Today I received a denial for my student loan because of this. Thus, I contacted all of the above again. Again I was given the same information, " Oh! It should have been removed. You can fax or mail your most current credit report, not past 60 days ), then we will make sure it's removed. Or you can have the credit agencies call us. '' When I asked them how long this would take, I was told 30-60 days on their end and probably the same for the credit reporting agencies. I stated that was too late. So I called the XXXX financial aid office to explain, but they said they don't have anything to do with it as these are federal loans. I will re-fax and send certified mail as I have in the past and then call. But now, it's past the 7 years, how can they still hold me hostage on the three credit reporting agencies. Now I know why I couldn't receive credit to purchase a car I desperately needed for my job. This is messing up my life for something that I did not do and is now against the law as it should have fallen off XXXX, XXXX for the FCRA and I feel now, that it's hopeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

sequium asset solutions is reporting ( 2 ) accounts on all three of my credit files. the collection account is fron XXXX. I took several calls from them and had to jump through hoops for them to verify. i ask them if you are calling me why should i give you my personal info so you have it. but after a couple of minutes of going back and forth i gave it to them. they told me they would remove it because I GAVE THEM MY CURRENT ACCOUNT WITH XXXX AND SIMPLY ASKED IF i owed money how would I HVE AN ACCOUNT NOW AND FOR THE LAST 10 YEARS. 
AND THEN THEY REPORTED THE TWO ACCOUNTS A FEW DAYS LATER ON XXXX, XXXX AND XXXX.XXXXPLEASE HELP ME.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized hard inquiry that has appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score and overall financial health. I respectfully request that these inquiries be removed from my credit report immediately. The hard inquiry in question is as follows : BANK OF AMERICA - XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a credit reporting agency may only include hard inquiries on a consumer report if they were made for a permissible purpose, such as an application for credit initiated by the consumer. Since I did not authorize this inquiry, they do not meet the criteria set forth by the FCRA. Additionally, 15 U.S.C. 1681i ( a ) obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. I am formally requesting that you conduct such an investigation and removal of this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately