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

I have contacted both Trans Union and XXXX regarding several inquiries that are reporting on my reports respectively that were not made by me. I have mailed in disputes and spoken to each credit reporting agency several times over the phone and I am unable to get any form of remedy from those efforts. 

I have also filed the FTC fraud report as instructed and sent that in as well and they are still reporting. This is a violation of the fair credit reporting act. I need these removed immediately as they are a defamation and misrepresentation of myself and or affecting my credit worthiness causing me actual monetary damage in the form of denials and also higher interest rates. 

Listed below are the inquiries I am referring to, listed XXXX credit reporting agency. Please note that not all of these are included on the FTC report as some of them have occurred after the report was made. 

XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX CARD, Inquiry Date : XX/XX/XXXX TRANSUNION XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry XXXXate : XX/XX/XXXX XXXX. XXXX XXXX  XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Debt collection

Midland credit Management This is the third complaint that I have put against them and they have updated each time you guys the CFPB contacts them They update my credit report with a different lie This is illegal They continue to play with the CFPB Y'all need to fine!!!! this company and shut them down completely This is highly illegal They put on my credit report and I have the documents below that my debt that was not even my debt I was an authorized user on the card in question more than 15 years ago The original opening day was XXXX of XXXX XXXX I was added as an authorized user in XXXX of XXXX This debt was never mine to begin with that's why XXXX XXXX closed it and left it alone because I sent them a cease and desist so they never sold my debt to this company I've been saying the same thing with each complaint and XXXX  XXXX looked into it further and it took them weeks That's how I have the new updated dates and they're saying they never sold anything to Midland credit and that this company is a fraud and a sham and they don't know how they get customers information??? The company sent to all three credit bureaus that my card was seriously past due which is a lie!!!! That it was sent to a lawyer and I was prosecuted which is another lie!!!! It's 86 negative remarks from this company on my credit that need to be removed now The whole company needs to be deleted from my credit altogether They put on my credit that the account was in collections That's a lie!!!!! And they did this 3 days ago for a debt that's from XXXX originally-And then updated in XXXX!!!! This company also has the same account in the clothes section of my credit report with 86 negative remarks This company needs to be shut down This is a violation of my fair crediting act This is a violation of the law completely This company is a lie They are not lawyers They are not bound by any type of government law these people are moving lawless and again my credit score dropped over 100 points how is this allowed for these people to continue to do this and they've done it three times this month of XX/XX/XXXX for a debt that they don't even own they can't own it because I sent out a cease and desist more than 15 years ago I want them removed now from my credit report completely and every last negative mark and I want it to be removed from collections and close accounts It needs to be deleted off completely The debt is more than XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a formal complaint that the Credit Bureaus have ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I want to bring to your attention a repeated issue I have encountered with Equifax. Despite my request for deletion of this alleged account, Equifax has failed to take the necessary action to DELETE-DA the alleged account from their records. 
It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, since this is true, I am requesting the information you used to verify this account in writing. If such documentation can NOT be produced in 15 days, please DELETE-DA this alleged account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. 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 be verified or upated immediately.
Product: Credit reporting or other personal consumer reports

This company is practicing willful non compliance I have contacted this company several times by certified mail detailing this company is illegal and wrongful practices. My rights have been violated on several occasions from this company. This company has furnished data on my consumer report related to several accounts that I have already communicated to them is incorrect. This company is also responsible for furnishing negative negative and derogatory remarks on my consumer report. I have written this several letters and documents. I have filed complaints with the consumer. XXXX XXXX XXXX I have done FTC affidavits and still this company has refused to remove this information. By law they have 30 days to respond to me in detail their explanation for furnishing this data now that it has been several months later, I have still never received any proof of validation Nor have I received an explanation as to why they continuously furnace this negative data on my behalf without me ever giving them any permission. 

The negative accounts on my consumer report are as follows : XXXX XXXX XXXX Account Number XXXX Updated XX/XX/XXXX XXXX, XXXX Payment Status Charge-off Bad debt/collection Balance {$130.00} Credit Limit {$170.00} Credit Utilization 75 % 30 days XXXX XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX 60 days late 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX BANK XXXX XXXX. 
Account number XXXX Account status Open Balance {$430.00} Balance updated XX/XX/XXXX Original balance {$430.00} Company Name XXXX Bank Account Number XXXX Closed Date XX/XX/XXXX XX/XX/XXXX Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms 24 Months Scheduled Payment {$0.00} High Balance {$720.00} 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX 60 days late XX/XX/XXXX The laws that have been on my consumer report as followed : XXXX XXXX XXXX XXXX CFR XXXX XXXX CFR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code XXXX XXXX XXXX Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX l, XXXX XXXX XXXX. 
The Privacy Act of XXXX I demand compensation for these continuous violations of my rights and my consumer laws. Which I am entitled to based on the law and codes designed to protect me the consumer. 

This is a case of willful non compliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2021 I reported fraudulent activity on my account current card was canceled and new debit card was supposed to be sent out same day I allegedly supposed to get it by XX/XX/2021. Instructed to go to nearest branch to get atm card. XXXX XXXX XXXX XXXX bank manager left early unable to obtain atm card
Product: Checking or savings account

This is in reference to the Unemployment Keybank Card for XXXX New York, I would like to state the potential consequences for the damages suffered in the following case. The facts of the case are as follows : I reported fraudulent charges on their card to the unemployment office. The unemployment office requested that my client send a copy of their ID and the card number via fax. My client complied with this request, and shortly after, the funds were going to be used to put a down payment on a used XXXX for a total of {$40000.00}. However, the unemployment office has yet to send my clients card back since the information was faxed to them.

Based on these facts, my client may be entitled to damages due to the unemployment offices failure to return the card. These damages include the cost of the car, as well as any additional expenses my client may have incurred as a result of not having access to their funds, such as late fees, interest charges, and the cost of alternative transportation.

Additionally, there may be legal consequences for the unemployment office if it is found that they acted negligently or in bad faith. This includes fines or penalties, as well as potential civil or criminal liability. 

Today i was asked again to send my i.d . after confirming that this was done in XXXX and notified them of the fax and time. they still insisted today to fax the information that they already have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$11000.00} ; XXXX  XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Balance : {$2000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking for a mortgage and have multiple inquiries, many within the XXXX day time frame, but they are from different sources. Now I have a poor rating in hard inquiries. No one will correct this issue and I will have to put up with this lower score for XXXX years until they are charged off. Please make them clean up my hard inquiries.
Product: Debt collection

CFPB Complaint Number XXXX I had an account with XXXX for phone service. Coverage was terrible, as I travel around the country as a delivery driver. So, we discontinued our service with XXXX and went to another cell phone company. My spouse was making monthly payments towards the debt. When we purchased a home a blemish was reported on our credit report of an outstanding balance owed to XXXX. The spouse paid this amount and a little over a year later another collection agency tried to collect a higher amount owed to XXXX from us. I have a letter from the XXXX collection agency stating the amount was collected, but they had failed to forward this information to XXXX during a phone call with them. I have attempted to get copies of all statements from XXXX for a time period from XXXX XXXX through present date while on the phone with a representative. That has failed. I am mailing a letter to Customer Relations requesting the statements on XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Chime credit builder credit account that I have is a secured card which was set on my app as safe pay which means it shouldve kept reporting paid as agreed under the fair credit report and act because I had a XXXX balance when I got detained and locked up on XX/XX/XXXX. I just seen on XXXX XXXX  that they reported my last payment was XX/XX/XXXX but then when I looked harder at the information they only got a check for pay as agreed up to XX/XX/XXXX. After that its all gray no data. It is also being reported the same way on XXXX not sure about how they report it on experience right now, but theyre reporting false information because its a secured card and while I was away in the XXXX XXXX XXXXXXXX XXXX for 14 months they shouldve reported to all three brows like agreed when opening the account and auto pay safe is on and there is no balance that I owe Chime credit builder account shouldve been reporting paid as agreed and still should be reporting paid as agreed to all three major credit bureaus or credit agencies, but they are not. This is a violation against the fair credit reporting act because their reporting basically false information if it is a secured card With safe auto pay set up already on it. I guess can report that the last payment was XX/XX/XXXX but I still shouldve got checked off as paid as agreed because XXXX balance was owed the whole time I was at the XXXX XXXX XXXX XXXX being XXXX XXXXm going to dispute this with all three major credit bureaus via US mail I also been requesting my payment history for the whole time Ive had the account and Ive been requesting through Chime all my bank records included from the day I open the account up and XXXX or XX/XX/XXXX until they close the account which I do believe was this last XXXX that just closed my regular chime bank account over XXXX dollar balance even after I explained to them that I have been a victim of identity, theft and supply documents proven I filed a police report just as soon as I came home and was able to do so I will be disputing the Chime credit builder account through the mail with all three major credit bureaus because they are violating the fair credit reporting act by reporting false information
Product: Debt collection

I recently had a problem with Bull City Financial Solutions in which I submitted a claim to you previously. The file number was XXXX. I had an issue with the representative because the agency notified third party for me to contact the agency when I was making consecutive payments of {$20.00} to the agency each month. Since then, I had an judgement placed upon my credit report which I read by law was illegal ; if, the individual is paying on that bill. Now, my credit score have lowered because of this. On XXXX XXXX I paid the remaining balance of {$100.00}. I received a letter from Bull City Financial Solutions that the account has been satisfied. But, yesterday, on XXXX/XXXX/16 I received notification by the NC state income tax that, that payment in the amount of {$100.00} had been deducted from my refund already. So, I called the same collection agency that harassed me for the money faster than I could pay it off requesting my refund. I was told I would have to obtain it from XXXX. Imagine how I feel right now???
Product: Credit card or prepaid card

In short I was contacted by  Citi  bank and they have offered mediclaim policy of   XXXX   XXXX   XXXX   XXXX  , in  XXXX  and policy was issued and premium was debited in my credit card and it was paid by me. After that in  XXXX  before expiring that policy I have sent the mail to  Citibank  for not issuing the fresh policy or renew the mediclaim policy.   Even prior information for not issuing the policy they have issued the fresh policy and debited the amount in credit card statement. After that I have sent so many mails not a single mail was replied.   Now two month back I have come to know that Citibank has reported me defaulter and updated in  XXXX  so now my request is this kindly go through the attach file ( all mails sent to Citibank  )  and resolve this and arrange to remove my and my wife name from  XXXX .   For your ready reference i am attaching the word file with all correspondence done with citibank.
Product: Debt collection

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : I.C. SYSTEM, INC XXXX XX/XX/XXXX {$2900.00} Untitled XXXX XX/XX/XXXX {$750.00}
Product: Credit reporting or other personal consumer reports

Contacted XXXX and XXXX for the past year to obtain credit report. Evidence was provided to confirm identity. Still can not pull up credit report. XXXX online report is not matching with currently active accounts, and Dispute was submitted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX I just received my credit report I noticed that you guys are reporting this account incorrectly this we'll figure it out but shows a past due balance of XXXX according to the FCRA XXXX I have the right to an accurate credit report please remove this account from my credit report please provide me a copy of my new credit report reflecting this account upon the completion
Product: Credit reporting, credit repair services, or other personal consumer reports

Twice I have mailed in a request to get a copy of my report ( even though I have no idea who this company is or why they have my info as I have NEVER authorized it ). They are saying my score is super low which does not mesh with what the three major bureaus show. I want someone to contact me with a report and I I want them to call me to go over it line by line so I can dispute incorrect info because they obviously ignore the mail they receive and are abusing their title as a " credit bureau '' when they shouldn't be one at all.
Product: Debt collection

I am writing in regards to a late payment on my credit report from for XX/XX/2019 on my account # XXXX, original balance {$20000.00}, opened date XX/XX/2019 that occurred due to a third-party error. 

My due date is the XXXX  of the month. On XXXX, 2019 I received a payment confirmation from XXXX stating that my payment was successfully submitted. However, one month later I realized that I had a late payment reported. On XX/XX/2019 I received an email from the third-party company stating that they committed an error and my payment did not go through. Before this email, I was not even aware that my account was carrying a balance and had a late payment. I immediately made the payment on but by that time I was already marked late. 

This was a situation that I could not control. I had over {$14000.00} in the bank, which was more than enough to make the payment. This was not a money issue or even worse, because I did not want to pay. Now I have a perfect record of on-time payments. 
As a courtesy, I am requesting that XXXX XXXX a goodwill adjustment and remove the late payment from my record. This is an account of more than {>= $1,000,000}. I have been with you for more than for more than one year. 

This is affecting me XXXX, and also my score dropped. I have lost many credits because of this situation. It is not fair this late being reported. I did receive a payment notification from the third party company. 

( I already sent all the documentation to XXXX XXXX on XX/XX/XXXX by mail ). 

Thank you for your consideration.
Product: Credit reporting or other personal consumer reports

XXXX XXXX filed a 120 day late payment on XX/XX/year>. 

I was in a forbearance that went on far beyond XX/XX/year> through an extension. 

I called XXXX XXXX about this late payment filed on my credit report and they falsely stated they never filed this late payment on my credit score.

I can not rectify this mistake because XXXX XXXX keeps denying they have made this claim against my credit score.

I was in forbearance and this late payment is a false report that needs to be removed.
Product: Debt collection

I had a settlement amount for Portfolio Recovery Associates for a XXXX debt. The settlement amount was {$800.00} and I was making at least {$25.00} a month payments. In XX/XX/XXXX, I accidently mailed them a money order for {$20.00} that I had for another creditor and mailed their {$25.00} to the other creditor. In the past I would often make more than the {$25.00} payment. At the time in XXXX, my balance on my settlement would have been {$110.00}. In XXXX, I was called and told I broke my " promise ' and that they settlement was gone and I would now owe {$660.00}. As you can imagine i was extremely upset about this and asked/begged to be placed back on my settlement offer. Since the many people I spoke to were unwilling to assist me in renegotiating my settlement, I quit paying. I understand there has since been a judgment placed on me as of XX/XX/XXXX for the amount of {$730.00}. I know I was wrong to just stop paying but no one was willing to help me get my settlement back after a small {$5.00} error when in the past I had often sent more than the {$25.00} payment required. I would like to have this settled again for the amount of {$110.00} and I will gladly pay this in full immediately to take care of this situation.
Product: Debt collection

I have been contacted on numerous occasions by the company who is trying to collect a debt that is XXXX years ol and beyond the statute of limitations.