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

I am writing to dispute a declined bank error late payment on my car loan account with XXXX, XXXX. I have never made a late payment on this loan or any other loan in my credit history. The late payment was caused by a bank error, and I have proof that the payment was made on time. On XX/XX/XXXX of XXXX, I made a payment of {$320.00} to my car loan account. I have attached a copy of my bank statement showing this payment was processed and deducted from my bank account on that date. However, for some reason, XXXX, XXXX did not receive the payment, and as a result, it was marked as late on my account. I immediately contacted XXXX, XXXX to resolve the issue and sent a letter disputing the late payment. However, my dispute was declined, and my credit score has been negatively impacted by their mistake. I have always been a responsible borrower and have maintained a perfect credit score until this incident. I am requesting that XXXX, XXXX remove the late payment from my account and correct my credit report. I have provided proof that the payment was made on time, and I believe that their mistake should not be allowed to damage my credit history. Thank you for your time and assistance in this matter. I look forward to a swift resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX The above accounts have violated my rights. 

15 U.S.C Section 602A states, I have the right to privacy 15 U.S.C Section 604A Section 2 : States, a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shows various inquiries and or accounts that simply are not mine or known to me as being done. The following is the information I have received via XXXX XXXX today, showing the hard inquiries and such which I know are completely theft and not by my own self/knowledge. This is ID Theft perhaps. 

1. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX 2. 
XXXX XXXX XXXX  XXXX Inquiry  from XX/XX/XXXX 3. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX 4. 
XXXX XXXX Inquiry from XX/XX/XXXX 5. 
XXXX/XXXX Inquiry from XX/XX/XXXX 6. 
XXXX XXXX - XXXX Inquiry from XX/XX/XXXX 7. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX 8. 
XXXX XXXX Inquiry from XX/XX/XXXX 9. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10. 
XXXX XXXX Inquiry from XX/XX/XXXX 11. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX 14. 
XXXX XXXX/XXXX Inquiry from XX/XX/XXXX 15. 
XXXX Inquiry from XX/XX/XXXX 16. 
XXXX XXXX Inquiry from XX/XX/XXXX 17. 
XXXX XXXX Inquiry from XX/XX/XXXX 18. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX 19. 
XXXX 's XXXX - XXXX Inquiry from XX/XX/XXXX 20. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 21. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX **This is highly frightening and alarming** please assist me in repairing whatever damage possible. Thanks much.
Product: Debt collection

On XX/XX/year> I received a phone call from a debt collection company, IC System, attempting to collect a medical debt from XXXX XXXX in XXXX, NJ. My two daughters have been patients of this practice for over 5 years. Approx. 3 years ago, our mailing address changed, of which we notified the practice. We had been receiving and paying bills from the practice since that time. The medical debt was for service provided in XX/XX/year> ( approx. {$85.00} ) for one of my daughters. I immediately called XXXX XXXX to determine why we had not received a bill in the mail or ANY other type of communication to inform us of this outstanding balance, to include in-person visits. I was told their billing is done by a third-party, and they dont have any visibility on outstanding balances. XXXX XXXX then informed me that the address on file for my younger daughter was our old address. They were unclear as to why that address didnt match our current address or the address of our older daughter, even though the address was correct/current in the past, and Im currently receiving invoices for my other daughter. All other invoices ( for both patients ) have always been paid. After verifying the invoice, I requested to pay the invoice directly to the provider, and that they rescind the collection due to their failure to properly bill and or notify me of the outstanding balance. Their officer manager ( through an associate ) denied my request to pay the balance and rescind the collection. I was told that I have to pay the collection agency. I then requested the office manager, and the owner of the practice, XXXX XXXX XXXX give me a call to discuss the matter. As of this report, I have not received a call. Today, XX/XX/year>, I called the practice and requested to speak to the office manager, or XXXX XXXX, and was told they are both unavailable/too busy to come to the phone.
Product: Credit reporting or other personal consumer reports

Requested for all addresses to be deleted off report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with experian. alot of information is inaccurate an needs to be removed from file asap. review the data an clean my credit report.
Product: Student loan

Navient steered me into forbearance instead of duly providing information about income-based repayment plans.
Product: Checking or savings account

I was XXXX in XXXXXXXX XXXX XXXXXXXX and i was XXXX  in XX/XX/XXXX and my bank account with USAA had been closed i want a full investigation i had no access since XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Bank ) XX/XX/2024 this inquiry is incorrect and doesnt belong to me or it was not authorized. I want it removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sold my old account to a collection service. I hired XXXX XXXX in XX/XX/2017 and disputed the collection account. It was removed in XX/XX/XXXX/XX/XX/2017 from all credit reporting services. Most recently the account was sold to another agency XXXX XXXX XXXX in the amount of XXXX. They are attempting to collect a debt that was already disputed and found in favor of me the consumer and dropped from my reports. It has now been added once again under a new firm. I called and explained this to them and they acknowledged the dropped dispute but then proceeded to try and tell me this was for a second line. They provided no proof and i was never notified of such an account.
Product: Credit reporting or other personal consumer reports

I have unauthorized accounts on my report I do not recognize So far none of them has been able to provide such proof to me. I have sent follow- up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items XXXX not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization. 
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
Product: Debt collection

Its been over 5 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting.
Product: Credit reporting or other personal consumer reports

THERE ARE STUDENTS  LOAN ACCOUNTS ON MY CREDIT REPORTS THAT DO NOT BELONG TO ME. I HAVE I HAVE CONTACTED ALL XXXX CREDIT AGENCIES AND HAVE NOT RECEIVED A RESPONSE YET. THE DISPUTE WAS SENT OUT ON XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX inquires also for the above accounts
Product: Credit reporting or other personal consumer reports

My account with 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 in 60 days 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  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 8
Product: Credit reporting or other personal consumer reports

In reviewing my account I noticed that the information that is listed on my credit reports is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is one industry where mistakes can cost the bearer extreme harm and distress. With account being closed and the furnisher is not responding to my dispute I request that the account is deleted due to all of the inaccurate information in the following fields : Balance, Past Due, Last Reported Date, Date Last Active, and Date of Last Payment. 

Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time. The following reporting periods need to be corrected as paid on time and the late payment indicators removed : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1681s-2 ( a ) ( 2 ) to name just ONE of the violations. 

This dispute will serve as notice of the inaccurate information that is on my credit reports for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my ID and billing statement for verification purposes.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct this account : XXXX XXXX XXXX XXXX : {$0.00}
Product: Debt collection

Debt Recovery Solutions state that I owe {$1100.00} for a emergency bill in XXXX XXXX, Nevada. This bill is from a physician. This debt is not valid and does not belong to me. The bill does not have my correct date of birth. The bill also shows that I was uninsured at the time ; however, that is false. I can provide my health insurance information at the time. I have been attempting to have this debt validated by Debt Recovery Solutions for four months and they have yet to validate.
Product: Mortgage

XXXX at XXXX XXXX Bank in XXXX, Nebraska XXXX offered a rate match for our mortgage verbally. I sent all documentation to him as requested, including the rate documentation from our credit union. Three weeks later, after many inquires of rate locks he told me they are now unable to match the rate. We are now at risk of not having a mortgage at the closing of our new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a CLOSED visa credit account at XXXX XXXX XXXX which is disputed and affected by a natural or declared natural disaster. The FCRA and Metro 2 protocols require reporting my CLOSED account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, XXXX and TransUnion credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete all my XXXX XXXX XXXX account or include the statutory reference that my account is both disputed by consumer AND affected by a natural or declared disaster.
Product: Credit reporting or other personal consumer reports

SOMEONE TRIED TO OPEN A CREDIT CARD IN MY NAME WITH XXXX XXXX XXXX XXXX.IT WAS NOT ME I NEED IT REMOVED FROM MY CREDIT REPORT AS IT HAS CAUSED MY SCORE TO FALL XXXX POINTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to ChexSystems in XXXX. I provided documentation showing that I did alert the fraud department of XXXX XXXX XXXX after I felt as though I was scammed. 
I emailed the conversation to myself just in case XXXX  XXXX XXXX alleged that it didn't happen, which they did. 

On XXXX I spoke to XXXX at checxsystems at XXXX XXXX she informed me of a website that I could submit the phone call. She then informed me that their website was not capable to receive it. I asked if there was an email that I could send it to to prove that I did contact XXXX  XXXX  XXXX. XXXX informed me that there was nothing she could do. 
It is very important that I submit all of the evidence that I have regardless of the format that it is in. I hoped that chexsystem would understand that evidence comes in various different forms. 
After their alleged reinvestigation they continue to report that I did not contact XXXX  XXXX XXXX fraud alert Department before they realized that the transaction was bad. this is very important because if there is proof that I contacted them it would show that I did not willingly attempt to defraud XXXX  XXXX XXXX.
Product: Debt collection

XXXX XXXX. has previously attempted to collect an alleged debt through various collection agencies but has failed to provide supporting documentation, such as account statements or cardholder agreements, necessary to validate the debt. Without this documentation, I have been unable to determine the legitimacy of the claim or resolve the matter amicably. 

More recently, XXXX filed a lawsuit through the law firm Tenaglia & Hunt, P.A. Despite this legal action, there has been no direct communication or disclosure regarding the details of the alleged debt. The only correspondence I have received has come in the form of unsolicited mail from consumer protection attorneys, which has done little to clarify the issue. 

I believe XXXX failure to provide proper documentation and its subsequent legal action demonstrate an attempt to pressure me into compliance rather than resolve the matter transparently and in good faith. I am submitting this complaint to request that XXXX be required to provide the necessary documentation and work toward a fair resolution of this matter.
Product: Credit card

I was told by a XXXX XXXX Bank representative that my account will continue to be in good standing as long as I made a payment in the bank directly before a specific date. After doing so they credit grantor closed my account! The account is showing as a charge off for lack of payment although that is n't true.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX You are in Direct Violation of The Fair Credit Reporting Act : XXXX XXXX XXXX/ Account number XXXX XXXX XXXX/ Account number XXXX 15 U.S.C 1681 section 602 A. Clearly states that I have a 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Debt collection

I have reached out to Westlake Financial on numerous occasions to get the documentation for the auto loan they are reporting on my credit reports. After several attempts, they have failed to provide me with anything. Tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 

I requested my original contract, legal disclosures, all documents required for the repo and anything else they have in their possession. I never received it. 

I could easily take them to court for continuing to report this account on my credit reports since i did not give them permission to do so in the first place. At this time, I am simply requesting this account be deleted from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally filed bankruptcy in XXXX under chapter XXXX and discharged under chapter XXXX in XXXX. Bankruptcy law stipulates you can only file chapter XXXX in Wisconsin once every 8 years. Credit reporting is showing I filed and twice in the same year.
Product: Credit reporting or other personal consumer reports

I have pulled my most recent credit report and I've noticed a few unauthorized inquiries. According to the FCRA ( Fair Credit Reporting Act 605b & 609 ), legally all unverified and unauthorized items must be removed within four days. I have never opened an account or received any goods, money or credit from the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kindly either remove the specified inquiries or furnish evidence of a legitimate contract, agreement or application.
Product: Credit reporting or other personal consumer reports

I am writing to demand removal of a series of inaccuracies and Rights Violations XXXX, XXXX, Experian and any other 3rd party agency, i am writing to demand removal of a series of inaccuracies and Rights Violations from my report. this is a violation of 15 usc 1681 ( a ) 4 and my right to privacy, will be forced to notify the CFPB and FTC of violations of both my rights as a consumer and your obligations as a consumer reporting agency. require XXXX  per day if this reporting continues. 15 USC 1681a ( 2 ) a ( i ) clearly states transactions are to be excluded from the report. I would like all further reports to reflect this. I have no contract with XXXX, Experian nor XXXX and ANY sharing of my private information, my non public personal information, my financial information, medical information is a violation of not only the FCRA but also HIPPA, GLBA.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX  XXXX Account number : XXXX