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

My account with XXXX XXXX XXXX AND 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 XXXX AND XXXX 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 AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and XXXX and he conducted about 30 loans which all hit my credit file. XXXX ask me about the forgery by XXXX XXXX under complaint XXXX & XXXX ask me about having account information @ XXXX XXXX  and Fifth third bank neither have I done mortgage or credit card business with but XXXX XXXX XXXX XXXX XXXX on an XXXX is an XXXX XXXX and stole my identity PLEASE CONDUCT AN INVESTIGATION PROPERTY XXXX XXXX XXXX XXXX XXXX MI XXXX LOAN # XXXX
Product: Debt collection

CFPB CONSUMER FINANCIAL PROTECTION BUREAU XX/XX/year> To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Account : Current Creditor : INDEPENDENCE CAPITAL RECOVERY LLC Reference # : XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX EMAIL : XXXX XXXX : XXXX
Product: Debt collection

Barclay is reporting erroneously and in violation. They are reporting a debt that is owed but it was previously discharged in a Chapter XXXX bankruptcy. I have notified my attorney that they are in violation of the automatic stay. The next correspondence will be from my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1500.00} I provided experian with copies of my intent to vacate the property once the lease was up, pictures of the apartment, the fact that I did leave 22 days early but I had it approved by a lady in the front office, copies of the electricity, that I left on a few days past my vacating and they still won't remove it. this is just wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account XXXX : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I checked my consumer report on XX/XX/XXXX and I still see inaccurate information according to 15 USC 1681 on 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 is stated on the TRANSUNION verified report which is wrong. 

I have everything attached showing all the inaccuracies and also attached the verification letters from TRANSUNION and XXXX. XXXX never respond to any of my letters that i sent out. Everything is documented on this portal so you ( CFPB ) does have all the evidence. 
I asked the CREDIT BEAURUES for the METHOD OF VERIFICATION on XXXX XXXX for those accounts but the CREDIT BEAURUES never responded to me.
Product: Credit card or prepaid card

I have a XXXX  Mastercard. I have payments going out on autopay. On XX/XX/2019 XXXX Mastercard received a payment of {$140.00} which was the minimum payment due. Now today XX/XX/2019 my bank is showing pending for XXXX Mastercard to take another {$140.00} even though on their automatic machine it says they got paid on XX/XX/2019 for the {$140.00} and no payment is due till XX/XX/2019. However the girl said they take monies 7 days later, that's not right. Therefore ; what they are doing is a Fraud! I never Authorized XXXX 's to Debit MY Account Automatically. Therefor I want the Autopay suspended with XXXX 's or I will press charges against them! 

Very truly yours, XXXX XXXX XXXX XXXX
Product: Debt collection

Im a victim of identity fraud. I found this new collection account on my credit report. 
Company name is National credit system. Someone stole my credential from a hotel back in XXXX. This social security was stamped with for work use only I became a U.S. citizen now with my new SSN and try to open a bank acct when they told me this Social security was already been used with XXXX XXXX Previous to this I did not have nothing under my records since my social was specify for work use only. 
This account ( National credit system ) is recent since they reported under a different name on the mid of XXXX of XXXX. 

Ive called the company and they refuse to tell me the name that the account was open under. But then also sent me a fraudulent letter via email. 
The letter does not contain a form number nor a heading containing to Dispute report for the account. 
I believe National credit systems tried to change the name on their account or intending to alter the name and address to the account. This is unlawful and refuse to answer my question. 
I also filled out a FTC report which they have my information. 
A copy of my identity verification will attached. 
And a my credential information. 
I will leave a copy of their un natural letter. 
The amount was for XXXX $ I will leave this open for others to see how fraudulent companies can be and hopefully helps someone. Thank you
Product: Credit reporting or other personal consumer reports

I applied for a credit card from a local credit union. They ran a credit report but I had a credit freeze due to previous ID theft and Fraud related to the ID theft. They told me I had to contact the credit bureau to correct my information. I ran my report and saw that when I recently moved, I forgot to update my phone number. I sent a letter with tracking to the credit bureau requesting they update my phone number. Never received a response. Instead my personal statement got deleted and my credit rating dropped precipitously ( about 100 points ) between XXXX and XXXX yet nothing else had changed about my credit card payment or anything else. I believe it was related to this inquiry in some shape or form.
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX  XXXX  within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX on/around XX/XX/19, I attempted to buy an item from XXXX XXXX. Financing was offered through XXXX. The order never got processed because I needed a prescription for the item. I contacted XXXX & XXXX XXXX via phone & email & the order was cancelled & refunded on XX/XX/19, before processing, shipping, and billing. XXXX closed the loan, I have no access to it & they were fully refunded. The first payment wasn't due until XX/XX/XXXX. All these ordering, cancelling, & refunding events were completed within 9 days. However, in XX/XX/XXXX, XXXX appeared on my Experian report. I contacted XXXX & was told that their A credit reporting goes out in batches & that's how it showed up on my credit. But, they never extended credit to me nor reached the XXXX billing cycle, nor receive a completed order. After contacting XXXX, I attempted to dispute the item through Experian & both times it was verified as accurate & staying on my credit. The most recent dispute was completed today. I sent Experian all contacts through email, the order information in the XXXX website, showing cancelled order, closed loan account with no monies available to borrow & a full refund from XXXX XXXX on XX/XX/19. Yet, they accepted the verified answer from XXXX. After the first dispute results, I contacted XXXX again, which has been over 10days & they are now strong arming through the Credit Reporting Agency Experian, as well as ignoring my email contacts. Please help, this is fraudulent reporting. **I also have several more attachments but I've tried several times to attach/upload them, to no avail. I can send them via email if you send me an email address. They show the account closed on XXXX site on XX/XX/19, email communications, the experian accounting, as well as dispute information. 
Thank you
Product: Credit card

On or about XXXX XXXX I received a letter from US Bank stating that my business credit card would be closed due to being in danger of or being used for fraud. I wrote a letter to the XXXX XXXX XXXXXXXX on XXXX XXXX and faxed it to them. The next day I received a call from XXXX from the XXXXXXXX XXXX XXXXXXXX. I called her back several times with no response from her. I then get a new business credit card in the mail for the same account. Upon trying to activate it I was told that it was closed. I then asked to speak with the supervisor which informed me that the account was closed and would remain closed. 
I feel that I was unfairly treated as customer. The letter I received from US Bank alleged that my account was being closed for fraudulent activities which was untrue, unclear and unproven. This unfair practice by US Bank was unlawful in violation of my due process They failed to disclose the true nature of any activities of fraud. Also, my account was fully paid off at {$15000.00} prior to the alleged accusations by US Bank.

This unlawful practice by the US Bank accusations has greatly affected my business account, as well as my credit account with US Bank, and the credit bureaus by closing this account. Which is harmful for all consumers who may have encountered this same practice by US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX, I am writing in regards to the information incorrectly listed on my file. I am requesting that these inaccurate items be deleted. The items I am requesting attention on are listed in the report. I am a victim of identity theft and did not make these changes. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card or prepaid card

I have a Wells Fargo credit card with 3 zero interest balance transfers, 1st for {$1700.00} expires XX/XX/XXXX, 2nd for {$2300.00} expires XX/XX/XXXX, 3rd for {$4900.00} expires XX/XX/XXXX. I made two payments of XXXX in early XXXX one on XX/XX/XXXX of {$500.00} and another on XX/XX/XXXX of XXXX. According to the Credit Card Act of 2009,  the first amount should have been paid off completely because it was 60 days before the expiration of the 0 percent interest rate. 
Credit Card act 164b ( 2 ) Clarification Relating to Certain Deferred Interest Arrangements A creditor shall allocate the entire amount paid by the consumer in excess of the minimum payment amount to a balance in which interest is deferred during the last 2 billing cycles  immediately preceding the expiration of the period in which the interest is deferred. 
Wells Fargo did not paid off the 1st balance completely, however spread it out between the three leaving a balance of {$680.00} on the 1st. I called them in number of times to get them to abide by the Credit Card act but they refused to, saying they were in the right. Now as of last statement they are charging interest on the first amount.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Charge-Off Reporting I am writing to dispute inaccurate reporting on my credit report concerning the following accounts, which are showing multiple charge-offs month after month : 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  Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), credit reporting agencies are legally obligated to ensure the maximum possible accuracy of the information they report. However, this account is inaccurately reported as being charged off month after month, which is both misleading and harmful to my credit profile. 

It is my understanding that once an account is charged off, it should be reported only once, not continuously month by month. This ongoing reporting of the same charge-off constitutes a violation of my rights under both the FCRA and the Fair Credit Act ( FCA ). By allowing these inaccuracies to persist, my rights have been infringed upon, causing undue damage to my credit score. 

As a result, I am formally requesting the complete removal of this charge-off from my credit report. If this matter is not resolved promptly and the information can not be verified or corrected, I reserve the right to pursue legal action for violation of my rights under the FCRA and FCA, as I am entitled to take legal steps to protect my credit and seek damages. 

Attached are copies of my credit report and other relevant documentation for your investigation. I expect this matter to be resolved and corrected within the 30-day window, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a bill from a collection agency for something I'd never seen or used. 
A credit card denial from a XXXX Bank that I never applied for.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized inquiries on my credit report from Equifax, XXXX and XXXX. These inquiries are inaccurate and appear to be fraudulent attempts to open accounts in my name without my knowledge or consent.

Please see the dispute letters I attached on this complaint. It consist the details of unauthorized inquiries.

The presence of these unauthorized inquiries on my credit report is detrimental to my financial health and could negatively impact my ability to : 1. Obtain credit at favorable rates.

2. Secure housing and rental agreements.

3. Obtain insurance at competitive rates.

4. Apply for certain jobs.

5. Actions taken to resolve the issue : I have already contacted the Bureau involved and disputed these unauthorized inquiries. However, I have not seen any progress to my disputes.

Given the lack of resolution and the ongoing negative impact on my credit report, I urge the CFPB to intervene and : 1. Require the credit bureau ( s ) to immediately remove the unauthorized inquiries from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference.

Thank you for your time and attention to this matter. I look forward to your prompt response and swift resolution.
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, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$380.00}
Product: Money transfer, virtual currency, or money service

I have repeatedly sought assistance from the Company. I have money that is in my account after deleting the app restoring several times on two different devices. I finally get in to the Support team to share what has been happening my account has money in another account. The support team deletes my account/accounts two of them which I never was aware of always had one account. I informed them I have been asked for driver license, phone number, to create an new account which i did not need one ; just trying to get into the one currently have with company. They ask : It's best to provide any email addresses, phone numbers, $ Cashtags, or zip codes that may have been linked to a Cash App account in the past. I'm unable to assist with the account unless I have the accurate information.

I provide first time hashtag information, bank card, bank account 4 digits, then they said email does not match account. Then give hashtag and government name, account number and card. They find my information delete account on my app for me to put new card in bank account information but then no cash in my account. I respond did what was asked to say '' oh apologies '' you have a third account unable to merge accounts until you submit the correct information. Informed them after repeated conversations I do not have third account wanted to speak with a Manager with no availability another team support persons stated need this information as I stated is this a scam because how can I have another account when i was assured what I submitted was all that was needed until it was time to release my money that is floating around. Providing snapshots of transactions, gave detailed response of all required information. SMS text stating when attempting retrieveal of cash that it was allegedly claimed by who? Account shows no $ hashtag with my name just a name shows my contact number my account always had my picture
Product: Credit reporting or other personal consumer reports

The violation of 15 USC 1681 ( a ) ( 1 ) ( A ) refers to a breach of the Fair Credit Reporting Act ( FCRA ), a federal law governing the collection, dissemination, and use of consumer credit information. This specific section pertains to the responsibilities of consumer reporting agencies in ensuring the accuracy and fairness of the information they report. Violations of this provision could involve errors in credit reports, failure to investigate disputes, or improper handling of consumer information.