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

I reached out to equifax credit reporting agency about an unknown account ( XXXX credit ) that I noticed from XX/XX/XXXX I then filed complaint with confirmation number XXXX on XX/XX/XXXX after I reached out to the original creditor and asking to provide me with any proof or origin of this account they failed to produce any application or contract with my name or my signature. In my complaint with equifax I asked if they could also provide me with any original application or contract with my signature verifying the debt and that if they couldnt I demanded the account be deleted due to inaccuracies they then responded with a document of account history in which the document doesnt have my name and/or signature and it is not an original document its a document generated on a computer. I then filed another complaint with equifax with confirmation number XXXX again requesting the same in formation and that they were in violation of the law and violating my consumer rights which they responded with the same document
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely upset with being ignored by a company that refuses to answer me. On XX/XX/2020 and XX/XX/2020, I wrote to the bureau to fix clear inaccurate information on my report with no response. I'm tired of being ignored. Its crazy to be ignored even when I sent certified mail to a well known company. I have attached all letters including a new letter that I'm sending off today certified mail. Hopefully, someone can make them do the right them.
Product: Debt collection

On XX/XX/year>, {$1700.00} from Credence Resource Management was reported on my credit report. It says the account was opened on XX/XX/XXXX, I have never received contact from this company about any debt owed. I am unaware of what this debt is. They have not provided any verification or information on this.
Product: Student loan

I was contacted by Public Service Processing related to the XXXX program. They signed me up for a plan with Prosperity Benefit Services for me to pay for document prep and assistance with this repayment plan.
Product: Credit reporting or other personal consumer reports

EQUIFAX I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family. 
EXPERIAN Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

TRANSUNION I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT. THE INFORMATION LISTED BELOW WHICH APPEARS ON MY CREDIT REPORT DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

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

In accordance to the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights on Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX All for {$20.00} each. XXXX XXXX account XXXX for {$160.00}. XXXX XXXX XXXX  account XXXX for {$190.00} Inquiry from XXXX XXXX XXXX XX/XX/2022 As per 15 usc 1681 a ( e ).

As per 15 usc 1681 section 602 A. I have the right to privacy.

As per 15 USC 1681 section 604 A section 2. A consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( 1 ) ( a ). A consumer contract with my signature on it and under 15 USC 1681i ( 5 ) ( a ) of the FCRA. You are required to promptly delete all information which can not be verified. The law is very clear as to the civil liability and the remedy available to me for " negligent non-compliance '' 15 USC 1681 if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts to be verified or deleted immediately. This fraudulent, inaccurate and false information consist of a personal credit card account opened at XXXXXXXX XXXX  under account number XXXX with a balance of {$200.00}. A personal account opened at XXXX under account number XXXX with a balance of {$0.00} and a personal account opened at XXXX XXXX under account number XXXX with a balance of {$9200.00}. In addition, under federal law, you have ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided with fifteen ( 15 ) days of the completion of your investigation.
Product: Credit reporting or other personal consumer reports

I have provided the company with proof that I paid the loan off. It was a {$35000.00} loan. I paid it on time every month. I have provided the bank with proof I made the last payment. It is saying I missed the last payment. Why would I pay the entire loan down and then mess it all up by not making the last payment? It was with Lightstream that then turned to Suntrust and now it is Truist. It has changed two times and no one will respond to me Truist. They told me there is nothing they can do about it. I received this response from Lightstream when I tried to have them fix it. 

The amounts that are provided by Truist as money owed and money paid do not match the emails I provided that are from Lightstream, proving that the information no matter what is in error yet they have refused to change it. 

" We are unable to assist you directly here at LightStream as we do not have the loan any longer. The loan is now with SunTrust Bank Recovery Department. '' When I tried to speak with SunTrust they refused to speak with me any other way than on the phone. It is my understanding that they violated the ADA by demanding that I only be permitted to communicate with them by phone to have my credit report fixed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX/DEPT OF ED, XXXX XXXX XXXX XXXX XXXX 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 to be removed.

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

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

XXXX XXXX/DEPT OF ED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am submitting this complaint because I am being extremely affected by FORD MOTOR CREDIT COMPANY LLC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

This is what happened : The charge-off was a lease turn in, the dealer where I turned in the vehicle told me there were no charges due. 

Ford claims they sent me a statement for mileage overage, which I never got, then he got letter from a law firm asking for {$2700.00}, which I paid immediately. I was never mailed the lease end papers and telling me about mileage overage. I am requesting deletion the charge off from my account. 

Account information : FMC-OMAHA SERVICE CT Opened date : XXXX. XXXX, XXXX. 
Balance : {$0.00} Type : Auto Lease Remarks : Paid charge off Also, I have XXXX other accounts with Ford Motor Credit Company LLC. I am requesting that the company deletes all late payments from my accounts : FMC-OMAHA SERVICE CT. 
Opened : XXXX. XXXX, XXXX. 
Balance : {$0.00}. 
Paid and Closed FMC-OMAHA SERVICE CT XXXX 
Opened XXXX XXXX, XXXX Balance : {$0.00}. 
Remarks : Closed. 

I have worked with the company for over XXXX  years and I think we can continue to have good relationships.
Product: Debt collection

Account Name : HEALTHCARE COLL I LLC ( Original Creditor : XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, these accounts have violated my rights : XXXX - XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a veteran who uses XXXX 's free credit monitoring service. On XX/XX/2018, I received an email from XXXX that my credit report had changed. I logged in to see an inquiry from " EXPERIAN XXXX XXXX  '', posted on XX/XX/2018. I have no business with such an entity and did not authorize it. I also noticed an identical one on XX/XX/2018 that I also did not authorize. I called the phone number indicated and it turned out to be a XXXX number. They transferred me to Experian. I was transferred 3 times by Experian, each time having to give my full SSN, DOB, address, etc. Each time, after all that, no one knew what to do. I asked to speak to a supervisor and was place on a terminal hold, where I remain right now as I am typing this. Furiously.
Product: Credit reporting or other personal consumer reports

I've learned that the creditor didn't provide the necessary XXXX-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent Innovis a letter requesting my personal information to be updated, and I have yet to receive a response. IT IS A VIOLATION!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My account was transferred to PNC bank from BBVA compass bank and I received 2 micro deposits from XXXX XXXX XXXX for XXXX cents and XXXX cent so they can verify my new bank account and then they withdraw the total of XXXX cents. PNC bank made a mistake and cancelled the 2 deposits from XXXX XXXX XXXX and just kept the withdrawal of XXXX cents and that is a huge mistake for a big bank like PNC to make. My balance was reduced by XXXX cents and the deposits of XXXX cents and XXXX cent were cancelled or dropped by PNC bank. I want to know how PNC bank can make a mistake like this and they should rectify that mistake and fix my account
Product: Checking or savings account

American Express serve emails me and say that my disputes that I have filed for XXXX USD that they r not liable for cause I violated a customers rights and had to many other cards that's not my fault that people have had cards in my name and they put my funds on someone else card and account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my Complaints # XXXX, XXXX, XXXX last XX/XX/22 and I discovered that you have closed my complaints on the same day. I am resubmitting my complaint to you today to inform you that I found out that there is UNVERIFIABLE account on my personal profile, I noticed that the account XXXX XXXX  XXXX Balance : {$770.00} is reporting inaccurately on my credit report. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe the credit bureaus have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX9 National Credit Audit added a derogatory mark on my credit report per XXXX. Upon further research, this account, this account was transferred/sold and I am no longer responsible for the account. Debtor 's credit did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt all. A bill without a signature does not validate the debt and anybody can send a bill and say it is my bill. According to the FCRA, National Credit Audit has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting XXXX, TransUnion, and XXXX to provide documentation used to determining inquiry was indeed authorized by the consumer. XXXX, TransUnion, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If XXXX, TransUnion, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form XXXX treasury XXXX form to audit consumers account. XXXX, XXXX, and TransUnion are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.
Product: Credit reporting

I filed for Bankruptcy on XX/XX/XXXX and Transunion is reporting an account late and charged off, since the bankruptcy and subsequent discharge on XX/XX/XXXX. I have disputed this information over and over with Transunion and they have failed to update the information accordingly. This account was NOT charged off prior to filing of bankruptcy and their should not be late payments reported once I have filed the bankruptcy. Furthermore, the status should reflect included in bankruptcy with a XXXX balance and no payment due. 

XXXX # XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXXDate Opened : XX/XX/XXXXResponsibility : Individual AccountAccount Type : Revolving AccountLoan Type : CREDIT CARDBalance : $ XXXXDate Updated : XX/XX/XXXXPayment Received : $ XXXXLast Payment Made : XX/XX/XXXXXXXXh Balance : $ XXXXOriginal Charge-off : $ XXXXCredit Limit : $ XXXXPast Due : XXXX ; {$320.00} XXXX ; Pay Status : XXXX ; Charged Off XXXX ; Terms : Paid MonthlyDate Closed : XX/XX/XXXX XXXX ; Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC section 602 states i have the right 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 a late for any purpose
Product: Debt collection

I am a victim of identity theft. I recently reviewed my credit report and found several accounts that were not opened by me. A collection agency called XXXX XXXX XXXX is attempting to collect a debt that was opened as a result of identity theft. I have attached a copy of my affidavit of identity theft from the FTC to this dispute which details the identity theft.
Product: Debt collection

On XX/XX/XXXX XXXX my active business account with US Bank was accessed by the bank 's collections dept and a deduction of {$1800.00} was made, under claim that the bank was exercising the right of offset ; charging that account for an amount which they claimed was in default in connection with a previous credit card account with the bank which had been closed since XXXX 
My complaint, is that I did not receive any written, telephonic or electronic notice from the US Bank of their intention to garnish my current business account for a past credit card account that had been cancelled and closed in XXXX In a call to the bank to address this issue, on XX/XX/XXXX XXXX, US Bank disclosed that the alleged default resulted in a charge off sometime in XXXX. However, this fact was never communicated prior to that conversation. 
A Charge Off, means the lender or creditor has written the account off as a loss and that account is then closed to further charges and the bank is then able to to receive tax exemptions, adjustments, etc., in their efforts to offset, cancel or otherwise discharge the defaulted debt. 
I believe US Bank acted in bad faith, when taking money from my current business account without giving a fair notice of its intention to collect on the default it alleged. I never received any communication from the bank to address this issue, until receiving a XXXX extremely Urgent delivery the day after monies were deducted from the account. This clearly demonstrated that the bank had the ability to contact me about the default, but chose not to do so. This allows US Bank to arbitrarily impose immediate financial harm to my living situation, as they have taken what was in fact, my rent money. As a XXXX XXXX  now living in a fixed income which does not adequately cover my monthly living expenses, the bank 's action to collect have caused undue harm, when done without giving a fair notice and opportunity to address the issue while avoiding the severe financial difficulties I now find myself in.
Product: Debt collection

Hello and Thank you in advance for looking into this. 

After several years as a costumer, I closed my account with XXXX and asked to cease all services with that company due to increasing cost ( about {$150.00} dollars monthly for one cellphone line ), I did this over the phone on XX/XX/XXXX, unfortunately I failed to ask for written confirmation. For some ( illegal ) reason, XXXX XXXX continued to bill me monthly for internet services for an XXXX, I just noticed this fraudulent charge in my credit card statements and reported it to XXXX XXXX. XXXX was not authorized to charge my credit card past XX/XX/XXXX, and yet, they continued to do so for a service they were not providing and I did not wish to continue. That is theft, in simple words. 

So far, XXXX  has hired two collection companies to contact me about this issue, details below. The latter company has contacted me twice now : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AmSher Collection Services, XXXX ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX AL, XXXX ; XXXX : XXXX XXXX XXXX XXXX, contacted me by mail on XX/XX/XXXX, and again on XX/XX/XXXX ( I believed this was illegal after I sent them a dispute notice on XXXX XX/XX/XXXX ) I have kept all these three dispute notices for my records. 

I do not owe money to XXXX. I fear that at some point, they will hire another collection company and for some reason, I will not receive the notification in the mail and my credit scores will be affected. 

What can I do to cease this nonsense?? Do I have any protection as a consumer??? 
Thank you
Product: Credit reporting or other personal consumer reports

TransUnion is the only consumer agency reporting an alleged repossession. I have no known knowledge of this allege repossession and they have not provided me with any proof that the vehicle in question was actually repossessed. TransUnion and the creditor must provide me with several notices prior to reporting this information. TransUnion keeps stating they verified this information but has yet to send me any valid proof that they did verify this information according to the standards of law. This is my final attempt to get this information or this is lawful notice that if you do not remove this information or provide any information I will immediately sue TransUnion.