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

To Whom it may Concern : This is request for documentation of original contracts. I take issue with the methods used by XXXX XXXX, XXXX XXXX AND A FEW OTHER ACCOUNTS LISTED BELOW! XXXX v. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( 1959 ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX v. XXXX XXXX XXXX XXXX : XXXX v. XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 
Also I have received a credit report claiming that I owe a debt to these companies yet I never seen a single letter prior to the listing of the negative items. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 
XXXX XXXX XXXX # XXXX**** XXXX  XXXX XXXX # XXXX**** XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX   # XXXX**** XXXX XXXX # XXXX**** XXXX   XXXX  # XXXX**** XXXX XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX/XXXX XXXX # XXXX**** Please send notice of a cease and desist to all creditors until documentations are properly provided.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) to be removed. 

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

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


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I received a debt collection notice stating that I owed the company which I had no knowledge of.
Product: Debt collection

XXXX XXXX XXXX is sending me to collections over a non existent debt. 

On XX/XX/2022 i purchased a XXXX XXXX XXXX XXXX XXXX' that costs {$30.00} ( XXXX dollars ). I paid with my debit card that same day. 

later on they billed me in XXXX different chargers and the XXXX XXXX XXXX XXXX XXXX. I paid in full the other part of the debt but i didn't paid for the XXXX because i thought it was a mistake. 
i tried to reach them over the phone several times but no one ever answered on their billing department. i tried calling the phone number listed in the medical bill to explain that this debt was paid in full the day of the service but no one ever answered me or return my call. 

On XXXX they billed me again just the charge for the XXXX XXXX XXXX XXXX XXXX for {$30.00}. At this point i contacted them over the phone to the billing department as well to the phone number in the bill. No answer, no call back. I even sent a dispute to their XXXX XXXX XXXX billing disputes and no answer. 

today XX/XX/2022 i found that they sent me to collections for a service that i already paid and i have bank statements showing that on XX/XX/2022 i paid in full. 

i contacted the collections agency and they were very kind and helpful. they asked me to email my proof and they put XXXX XXXX XXXX under investigation and they are waiting to hear back from them.
Product: Credit reporting or other personal consumer reports

I am reaching out with great concern and distress after recently discovering that I am a victim of identity theft. As a young man who is just beginning to build my life and provide for my family, I was shocked to find that someone had used my personal information to obtain a car loan in my namesomething I never authorized or knew about. This has left me in an extremely difficult position, as I am now faced with the responsibility of dealing with a debt I did not create. 

Ive always worked hard to be a responsible citizen and am currently working toward purchasing my first home for my family. However, this unforeseen circumstance has completely thrown me off course. I feel overwhelmed by the fact that I am being held responsible for something I didnt do, and I am struggling to understand how this could happen to me at a time when Im trying so hard to build a stable future. 

I am aware that there are laws both in Texas and federally that protect victims of identity theft, and I need your help in ensuring I am not held accountable for these fraudulent debts. According to Texas law ( specifically XXXX XXXXXXXX and XXXX XXXX, XXXX XXXX ), victims of identity theft are entitled to have fraudulent accounts removed from their credit report and should not be held liable for the debt associated with those accounts. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, individuals are protected from the negative consequences of identity theft, such as being held responsible for debts incurred by fraudsters. 
I am asking for your help in ensuring that this debt is cleared from my credit report and that I am not unjustly required to pay for something I didnt authorize. These laws are in place to prevent exactly this type of situation, and I believe I should be fully protected under them. 
I have attached my Identity theft Report, please provide me with guidance on how I should proceed to resolve this issue and ensure that my credit and financial well-being are restored. Ive worked hard to get to this point in my life, and it is incredibly unfair to have to deal with the consequences of someone elses actions. Im simply trying to move forward and be the provider my family needs, but this situation has become a heavy burden that I can not carry alone. 
Thank you for your time and consideration. I look forward to your assistance in resolving this matter as quickly as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX  XXXX. XXXX Account name : XXXX  XXXX. XXXX Account name : XXXX XXXX  XXXX. XXXX 15 U.S.C 1681 section

602 A. States 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. 15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have no knowledge of this account, XXXX XXXX, ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 card or prepaid card

Somebody open a fraudently account In my name causing me XXXX XXXX unable to get a credit card or anything they dont pick up phone they hung up in my face. It has cost scrutiny and massive finically problems.
Product: Debt collection

This is in regard to the collection agency Eastern Account Systems, XXXX XXXX XXXX, XXXX, Ct, XXXX. My husband passed away in XX/XX/XXXX. In his files I found a notice addressed to him from EAS dated XX/XX/XXXX regarding a balance due to XXXX XXXX XXXX in XXXX, NY. I called the hospital 's patients accounts department, they told me that : the balance was paid at the time of service, they do not use EAS as their collection agency. I sent EAS a  certified letter stating this information, citing the Fair Debt Collection Practices Act, and told them not to contact me again. In XX/XX/XXXX I got another notice from EAS stating that our son showed a balance due to the same hospital. I called the hospital and was told they did not use EAS as the collection agency. I was routed to the agency they do use and was told there was a XXXX balance on the account. I wrote a letter same as outlined above. In XX/XX/XXXX, I received a third notice from EAS stating that my husband showed a balance due to the same hospital -- this time I did not bother communicating with them. EAS uses unscrupulous methods to try to get payment for debts not owed.
Product: Credit reporting or other personal consumer reports

received a credit report and my information is inaccurate and filed a police report also because my name and information was used multiple times in fraud. told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX These are all the inquires I seen when I looked over my credit report. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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

I have disputed the inaccurate reportings with TransUnion, XXXX   and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX and XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXXXXXX : TransUnion is reporting a payment status of 30 days late, XXXX and XXXX are not reporting this account, XXXX   XXXX : TransUnion is reporting a payment status of 30, 60, 90 and 120 days late, XXXX and XXXX are not reporting this account. XXXX : TransUnion is reporting a payment payment status of 120 days late, XXXX is reporting a payment status of 30 and 60 days late, XXXX  is reporting a payments status of 30, 60, 90 and 120 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX and XXXX are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX TransUnion and XXXX are not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX, XXXX XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX and XXXX are reporting opened dates of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXXXXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX : XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$4000.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4000.00}
Product: Credit card

XXXX $ XXXXTotal Claim Amount Merchant : UNITED XXXX Status : Dispute completed. Credit is permanent. 
Submitted XXXX Close XXXX XXXX $ XXXXTotal Claim Amount Merchant : UNITED XXXX Status : Dispute completed. Details will be sent to you. 
Submitted XXXX Close XXXX XXXX $ XXXXTotal Claim Amount Merchant : XXXX Status : Dispute completed XXXX Details will be sent to you. 
Submitted Date:XXXX Close DateXXXX USAA has charged my account again after they initially refunded my dispute see below. Today, I tried submitting the dispute below. I clicked submit several ( XXXX ) times and it would not go through on USAA website XXXX 
Dispute Type Balance was paid or settled in full Dispute Reason Settlement was accepted on this account Additional Details Today I uploaded documentation of company cancelling transaction. XX/XX/2023 Adjustment to Account Financial - {$1100.00} XX/XX/2023 Adjustment - Purchases Financial - {$130.00} XX/XX/2023 Interest on Purchases Finance Charge - {$140.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$480.00} XX/XX/XXXX, XX/XX/XXXX date verification letter sent and then dispute it with all three credit bureaus. 

XXXX XXXX XXXX- {$920.00} XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX filed a report with police and FTC after house was robbed XXXX disputed it with credit bureaus, sent out a verification of debt Wakefield and asst- {$1000.00} XXXX Requested debt verification letter. 

XXXX XXXX XXXX. {$1200.00}. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX filed a report with police and FTC after house was robbed, disputed it with credit bureaus, sent out a verification of debt XXXX XXXX {$910.00} XX/XX/XXXX disputed wrote a letter for debt verification never received
Product: Vehicle loan or lease

I was sick with XXXX and called loan company billing department left several messages telling them I was in hospital with XXXX. i than spoke with rep who told me to pay as soon as I can and a note would be added to my account and I would not get a 30 day late on my credit reporting. I was hit with a 30 late anyway. I then spoke with a rep and was told to remove the 30 day late would be reporting false. please help me with this issue I had XXXX payment and this has dropped my score over 40 points
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I returned from vacation on XX/XX/XXXX and upon opening our mail we discovered a lot of our bills had been doubled, I called the bank and non of the checks had been cleared and rather than place a stop payment I was advised by the bank to call the USPS to see if they've been having any issues. I called the USPS and I was told they had been having a lot of mail theft. I went to the bank and closed and opened accounts and the following day XXXXXX/XX/XXXX. I filed a claim with the USPS and I called all of the consumers and informed them of the mail theft and took care of my payments with my new account information and thought all was well. We are in the process of refinancing our house and on the credit report Bank of America reported us being 30 day late, which is affecting us from refinancing our home. I've called Bank of America numerous times, I spoke to XXXX on XX/XX/XXXX and she spoke to her manager XXXX and I was informed they were filing a claim with back credit office. I was told to follow up in a week, I called XX/XX/XXXX and spoke to XXXX and she was advised by her manager XXXX to fax over any documentation that I had regarding this matter and to call her to inform her that I had faxed over the information. I would constantly get her voicemail leaving messages and after several days XXXX called me back on XX/XX/XXXX, asking me what all had happened and he said unfortunately when I had called the first time and they wrote the credit department they did not include detailed information. XXXX told me he would then submit a new request. XXXX called me the following day informing me that my claim had been denied. He then explained that once it's been reported as a late payment it's difficult to reverse due to the auditors. I asked how is that my fault and that this is something we couldn't control, how can we control mail theft. XXXX said I had other alternatives ... he said I could of done banking online and automatic payments and he kept referring to his auditors. I am a consumer and I am being affected due to mail theft, something that was totally out of our hands and Bank of America saying I had other alternatives. The USPS has made it clear that they've been having issues since XX/XX/XXXX. I asked the Post Office why they haven't posted anything on the drop box informing everyone and I was told it is government property so they are not allowed to. We have lived in our home for 18 years, we have plenty of equity and all we are asking is that the 30 day late be removed and corrected with the 3 bureaus, XXXX, XXXX and XXXX.
Product: Credit card or prepaid card

I used my Barclay carnival mastercard ( big mistake XXXX to pay for a speing break vacation in XXXX florida at the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  through XXXX booking hotel website. for dates XXXX XXXX XXXX amount of XXXX. The hotel closed before my arrival dates due to XXXX closing reference COVID-19. the hotel was not open on my said dates and I had to cancel. I called XXXX who advised me to have hotel maingate call them to verify closing of hotel which I did but hotel said they never call companies ever the company can call them so I called company back and now they told me to submit a written request on chat which I did and all my requests were deleted I didn't get refund I called Barclay to file complaint after found a website claiming XXXX is a fraud and a scam-there is now articles all over news about them scamming people for money. Barclay will not help ie mailed the resident of Barclay who also stopped responding to ym emails- they did say they would investigate but came back and said XXXX disputed so wouldn't refund money than I got an email after that from president of XXXX saying yes I am due a refund of total amount back to my card I submitted that back to Barclay along with an email rfom hotel probing there were no charges for me on my folio since I didn't go and everytime I call Barclay to follow up they don't give m e info they say they still investigating they wont tell em anything or help me and presiden wont email me backj I have received no letter and its been past 45 days I want my refund back for XXXX other people in the scammed XXXX groupo are getting there money abck from their banks seems Barclay is the only credit card giving their customer issues
Product: Credit reporting or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report. Letters were sent out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Data breach with mortgage company caused late payments to accrue on my account. My mortgage was being paid on time every month, there was a fraud company identical to loancare that was recieving the payments due to the data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 (  b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$2200.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I sent a money transfer using MoneyGram transaction refrerence # XXXX the reciever wasnt able to pick up money on XX/XX/2019, I called to see what the problem was and they said they would do a refund. On XX/XX/2019 I called to see what the hold up on my refund was. I was told Im a security risk and they would be holding my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a " dispute request '' on XX/XX/2018 concerning XXXX XXXX XXXX, XXXX. 
Reasons for dispute : 1 ) No signed contract nor agreement with company. 2 ) Original debt from original debtor expired due to Florida Statue of Limitations. 3 ) Please remove this creditor for incorrect balance amount account. 

On XX/XX/2018 received email update concerning dispute result. 
XXXX XXXX XXXX remains on my credit report.