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

Im Respectfully Requesting that the credit bureau remove the late payment reflecting on my credit report with XXXX in XX/XX/scrub> 2024. I spoke to a representative in the credit department with XXXX 's, Consumer stated that there company do not report 30 day late payment they only report 60 days late i was told to dispute this late payment with the credit bureau the information that is reported as late is inaccurate if this late payment is not removed from my credit i will report this to the Im with auto pay on all my accounts.

I have never been late on any of my payments with any my bills, also there inquiries not not Authorized by me which appears on my credit please remove them as well Thank you
Product: Debt collection

Paramount Recovery ( XXXX  ) is attempting to collect a debt from me. They claim that I owe {$1100.00} for an emergency room visit. Originally I agreed to a one time payment of {$210.00} - using my XXXX Credit card, because I believed they were the company that was appearing on my XXXX   credit statement. I reached out to XXXX to confirm, and they could not verify that Paramount Recovery was responsible for any debt belonging to me.

Paramount Recovery is attempting to collect a debt of {$1100.00}, from an emergency room visit to XXXX XXXX XXXX XXXX ( XXXX XXXX ) from XXXX of XXXX. However, I was not seen during that time. I was seen in XXXX of XXXX, and I have paid my debt to XXXX XXXX - verified by Equifax that I owed the debt to XXXX XXXX. 

Once I discovered I did not owe to Paramount Recovery ( XXXX ), I reached out to them and asked for verification letters. I never received them. 

When I did not receive verification, I contacted them again and requested a claim dispute, and a reimbursement of the payment I had made. They said they would reimburse my account and send a dispute claim letter. I have not received a dispute claim letter or a reimbursement. 

On Monday XX/XX/XXXX, Paramount Recovery charged my credit card AGAIN for the amount of {$210.00} - without my consent. When I made my first payment, I gave explicit instructions to contact me prior to any new charges, and I told them I would not be making any more payments without receiving verification of debt letters. 

At this point, they have charged me {$420.00} XXXX only {$210.00} that I consented to - and I have repeatedly asked for a reimbursement on the original charge of {$210.00} - since they have not provided me with a validation of debt owed ). 

I am very worried they will continue to charge my account. The last charge of {$210.00}, which they made XX/XX/XXXX, was made without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo reported to XXXX  that on XX/XX/2020 my home mortgage went into forebearance. However, I did not request COVID assistance then & furthermore, the account is current with payments made in XXXX & XXXX. This issue came to our attention on XX/XX/XXXX when we attempted to close on a refi. We first contacted XXXX  who told us to contact the lender, Wells Fargo. Weve now done that only to be told that while they agree all our payments are in line for XXXX & XXXX they need to investigate this matter further. It may take 10 days to resolve which will lead to material financial adversity to our family. Weve asked  Wells Fargo to rectify this matter immediately & they refuse to.
Product: Credit reporting

I really need your help because at this point I do n't know where to turn. I opened the mail and I saw XXXX letters. XXXX from XXXX credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other bureaus removed the information I challenged. 
For some reason your company did not remove it. I 'm a little confused here. How is it that the other bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and I 'm starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate. Now, I 'm not a complainer, but I do need this fixed. I need this error resolved immediately. I was told that if errors are not fixed, then I can complain to the FTC about your company. 
Please remove this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to go on Military leave for a month and i contacted all my creditors to let them know i would be unavailable to make my payments until i got back from duty. Capital One assured me that it would not be a problem but once i returned i had an alert on my credit report that i had recent late payments. I called Capital one and the Rep said it was nothing he could do so i'm forced to file a compliant against them for these two accounts. 
CAPITAL ONE BANK USA NA -XXXX Opened XX/XX/XXXX Late payment XX/XX/XXXX, CAPITAL ONE BANK USA NA -XXXX Opened XX/XX/XXXX Late payment XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX  - XXXX XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX  Balance {$250.00} Opened Date XX/XX/XXXX XXXX/XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX/XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$300.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$960.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$580.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$600.00} Opened Date XX/XX/XXXX XXXX
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 Balance : {$22000.00} XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern, This notice is to inform you that you unlawfully reported fraudulent t inquiries that arose from IDENTITY THEFT that you did not verify as required by law on any consumer report.

15 USC 1681b ( c ) furnishing reports in connection with credit and insurance transactions that are not initiated by consumer, information regarding inquiries, except as provided in section 1681b of this title. A consumer reporting agency should not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer.

The following inquiries are a result of identity theft and was not initiated by me, I demand that they are DELETED immediately. 

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
Product: Student loan

I tried reach out to them several times to update information they keep selling the account. the information is for a student loan on a CDL class. the information is wrong and was being paid by my company not me.
Product: Credit reporting or other personal consumer reports

This is the second time I have asked XXXX XXXX  XXXX to provide me with documentation were they sent me my statement or a bill to my correct address, also provide me with a notice 21 days before the due date before they can consider a payment later, I never received any of this. By XXXXXXXX XXXX XXXX is required to provide me with a notice before providing anything on my report that would negatively impact me as a consumer. The law clearly states that " if any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT. law states ''report containing information solely as to transactions or experiences between the consumer and the person making the report '' Also make sure late fees are accessed properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXXIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report un following circumstances and no other : ( 2 ) In accordance with the WRITTEN XXXXNSTRU consumer to whom it relates. I NEVER gave any consumer reporting agency WRITT to report anything on my consumer report which violates my rights as a federal prote consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delet f the accounts listed IMMEDIATELY!
Product: Credit card or prepaid card

From my XX/XX/XXXX to XX/XX/XXXX statement, my excess payment was applied toward a promotional balance, which has a 0 % APR instead of my regular purchase balance, which has a 17.40 % APR. In fact, my regular purchase balance went up from {$2400.00} to {$2900.00}, while my promotional balance went down from {$9600.00} to {$7800.00}. I spoke to a XXXX with account executives at USAA on XX/XX/18 and he stated that this was merely because of new purchases, which still makes no sense.
Product: Checking or savings account

On XX/XX/2019, I made a mobile deposit into of XXXX into my bank account from my employer, who uses adp for all payroll activity. Citi bank then froze my account because they couldnt verify the authenticity of the check I called them on Monday, XX/XX/2019 to have them unfreeze my account and they said they couldnt until the check, from one of the biggest payroll companies in the nation, had aged for six days.  During this time money that I had made as an independent contractor for XXXX had deposited in to the account, an amount of {$200.00}, and I didnt have access to that money because my account was frozen. I called again on Thursday, XX/XX/2019, and they were finally willing to unfreeze my account, but I still do not have access to the deposited check for XXXX, and they informed me I wouldnt be able to access that money until Monday the XX/XX/XXXX, more than a week after I made the original deposit. The bank will have received the funds 5 days after a deposit is made and the bank is not giving me access to the deposit until twice that many days has passed.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B obliges us to remove any incorrect accounts from my credit report. Can you check the documents? Some accounts listed have inaccuracies in the reporting, including wrong amounts and dates.
Product: Vehicle loan or lease

I CONTACTED TOYOTA FINANCIAL SERVICE AT XXXX TODAY ON XX/XX/2020. I REACHED A TOTAL OF THREE TOYOTA CALL AGENTS, TWO HUNG UP ON ME AND THE THIRD WAS ABLE TO FIND A MANAGER WHEN THE SECOND AGENT I CALLED STATED THE MANAGER WAS OUT OF THE OFFICE. MY REASON FOR CALLING TOYOTA FINANCES WAS TO SET UP A RE ACCURING PAYMENT OF {$390.00}. WHILE SEARCHING ONLINE ON THEIR WESITE I FOUND THAT SINCE I LAST SPOKE WITH TOYOTA FINANCIAL THEY NEVER CLEARED MY STATEMET OF {$700.00} SHOWING THAT I HAVE AN OUTSTANDING BALANCE. I OVER PAID IN FEBUARY TO COVER THE LATE CHARGES, WHICH TOYOTA ADMITED TO ME THAT THEY MADE A MISTAKE WITH WHAT DATE TO TAKE MONEY FROM MY ACCOUNT. BEFORE TOYOTA WAS CONTINUING TO ATTEMPT TO TAKE MONEY OUT OF MY ACCOUNT OF THE XXXX OF EVERY MONTH WHEN I POSTED ON THEIR SITE TO CHARGE ME ON THE XXXX. SO SINCE WHEN TOYOTA TRIED TO TAKE MONEY OUT, MY BANK DECLINED THEIR REQUEST AND NOW WITH TOYOTA IT STATES THAT I AM NOT TO BE TRUSTED TO PAY BY BANK WITH THEIR AUTOMATIC PAY. THIS IS SOMETHING THAT TOYOTA MADE THE PROBLEM A LOT BIGGER. NOW I CAN NOT PAY MY REMAINDING BALANCE AND TOYOTA IS GIVING ME THE RUN AROUND ON WHO TO SPEAK TO AND WHAT THEY CLAIM I CAN DO. I AM ALMOST DONE MAKING PAYMENTS ON MY VEHICLE AND SINCE MY AMOUNT HAS GONE DOWN THEY'VE MADE THINGS DIFFICULT FOR ME TO PAY. I HAVE STATEMENTS WHERE THEY CHARGED ME DOUBLE AND STIL SHOWING I OWE THEM.
Product: Student loan

Aidvantage is charging me over $ XXXX in interest while my loans are in forbearance. I asked them why and they said interest is supposed to be paused but they didnt know why I was being charged interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX 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

XXXX XXXX XXXX is appearing on my account with an account from XXXX. Please verify this debt, as it has appeared on my credit account 3 different times under different creditors. This account was paid in full to the original credit XXXX  due to return equipment in the winter of 2019. This is an attempt by a company without any access to pay them.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. Upon reviewing again my Equifax credit report, I can still see the unauthorized inquiries that I was requesting to get deleted. I kindly request the deletion and blocking of these items that do not belong to me within the next 24 hours.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 USC 1681 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 as late for purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Dear CFPB-Please see attached files For months/ years I have submitted complaints to Transunion/XXXX  regarding fraudulent items on my credit report and for months/years they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXXExperian keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the item " XXXX XXXX XXXX '' listed in the attached documents to be removed immediately. I look forward to your response.
Product: Student loan

On XX/XX/2018 I received a letter from XXXX stating that I need to recertify for XXXX XXXX XXXX XXXX ( XXXX ) by XX/XX/2018 or else my monthly payment would increase from {$970.00} to the standard payment amount of {$2300.00}. 

Then on XX/XX/2018, I received a bill for the increased amount of {$2300.00} ( well before the clearly stated date of increase ). I immediately recertified for XXXX and contacted XXXX about this issue stating that I believed I should have been billed my previous monthly amount of {$970.00} until XXXX. The rep agreed and told me to make a payment of {$970.00} ( which I did ) and told me the account would be reviewed and this should be resolved within 10 business days. XXXX would cover the difference between what I should have been billed and what I was billed : {$1400.00}. 

I received no word from XXXX until XX/XX/2018 when I received a new bill still showing the past due amount of {$1400.00}. My husband called XXXX and talked to XXXX ( rep # XXXX ). He was very friendly and again reassured that he would file a review hoping to clear the mistaken charge of {$1400.00} and ensure that our payment of {$970.00} in XXXX would be a qualifying payment towards XXXX XXXX XXXX XXXX. 

Having still received no resolution from XXXX a month after initially calling them to resolve the issue, my husband called XXXX for a third time and spoke with XXXX XXXX ( rep # XXXX ) who told him my account was overdue and had the potential for negative credit reporting. She said there was still no resolution from the account review. 

This is unacceptable service. I have no choice in student loan servicer and must be able to trust XXXX when they tell me what my payments will be. Now I am at risk for negative credit reporting due to a mistake on XXXX 's part ( which they repeatedly admit was their mistake ) and they are unable or unwilling to resolve this issue in a timely manner.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> we submitted a identity theft report to the company. The company has since responded by denying to block the reporting of the information that is appearing on our credit report due to identity theft. The company claims to have investigated this claim but has failed to provide substantial proof as to why they have denied our request to close the account and delete it from our credit report. The company states, " After a thorough review, it has been determined that the application is valid due to the personal identifiable information listed on the application, which may include but is not limited to a phone number, email, and connected bank account used during underwriting. Based on the information provided on the application and the police report submitted, Cherry is unable to approve your fraud claim. '' This statement was not accompanied but any evidence to show that the information they have identified was not the result of identity theft. This company has failed to properly investigate our claim and it is causing us a substantial amount of stress and hardship on our well beings. We are a victim of identity theft and our information has been falsey used to open an account appearing on our credit report. This claim is pursuant to 15 USC 1681c-2 a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing XXXX  and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Product: Debt collection

CFPB + ACI, I received mail from ACI that I owe a debt I do not recognize. I am requesting validation of this debt- please see below and attached. 

Attached to this complaint are : - drivers license - for ID as well as address To whom it may concern, On a recent review of mail, I discovered ACI, claiming I owe a debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the CFPB as well as mail at the address I have provided herein. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Attorney Generals Office.