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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose
Product: Credit card or prepaid card

I made my XXXX payment on time in person with cash via XXXX XXXX and this company could not locate my payment. I have my receipt of this payment. Due to the company not being able to assist me with locating this payment I requested for my account to be closed. Now this company is reporting that I was 30 days late in XX/XX/2020 when my account with this company was closed in XX/XX/2020.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) 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 those account 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.

( CREDITOR NAME ) 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: Checking or savings account

I recently opened an account with Citibank in XX/XX/2018 and decided to transfer my funds via XXXX. I was trying to buy lunch and noticed my debit card that I activated with them is not working. I called customer service and they transferred me to a supervisor named XXXX that said he can't help me for security reasons. He said a letter was sent out stating that I need to provide documents proving my identity. 
I told him that all I need to do is transfer my money out of my citi account back to my old XXXX  XXXX XXXX account and he won't let me. 
This was also over {$1000.00} worth of money and I do not get paid for a while. I have no money for food or to pay a tuition bill that is due on Friday. There are no warnings on my log in on citibank 's website or the app about a block nor was it included with my debit card and welcome letter so this is XXXX. I brought my issues up to the XXXX  account customer helpline and they told me that XXXX closed my account and I will get a check in the mail. I was desperate to get access to my money and was willing to fax documents as they suggested and they backtracked and said there was nothing they can do except drive 2 hrs to a branch, but I can't because I don't have money for gas because they're holding my money hostage. I have all of this money sitting in my account and I can't wire it, I can't use XXXX nor can I use my debit card. This is criminal, unethical and pathetic and I want my money back ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed XXXX  XXXX of XXXX. After it XXXX, there was a reporting of a loan that was included in the XXXX. I submitted documents for proof and the credit bureaus were made aware. The disputes always came back immediately verified as accurate. Then there was a reporting of a late payment, after I spoke to both the creditor and credit bureau, advised both of the account in XXXX, and they still decided to move forward with the inaccurate reporting. It caused my credit score to drop XXXX points immediately after the reporting and I would like for it to be restored as quick as it was decreased. I cant move forward if instances like this keeps pushing me back. I seriously filed XXXX for a fresh start, not to just see how it works. 

Date Submitted Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results Also submitted a consumer statement that was completely ignored : I HAVE INCLUDED THIS ACCOUNT IN A XXXX XXXX XXXX AND IT IS A VIOLATION OF THE VIRGINIA LAW THAT IT IS BEING REPORTED TO CREDIT BUREAUS. I HAVE AN ATTORNEY, THEIR CONTACT INFORMATION AND A DISCHARGE LETTER FOR PROOF. AUTOPAY BOUGHT BAD DEBT FROM XXXX XXXX. THE CREDITOR DID NOT OBJECT TO THE DEBT WHILE IT WAS FILED AND COMPLETED.
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 {$2500.00} 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 ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a credit limit of {$2500.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/year> ]. 

According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 

Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XX/XX/year> XXXX BANK XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. 

These inquiries were made without my consent and do not meet any permissible purpose under this section.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I'm a natural person introducing myself by the CORRECT name of XXXX XXXX XXXX. After today XXXX it has come to my attention for the first time ever that I have been awfully distraught knowing my PERSONAL information has been sold illegally to debt collectors and posted on my credit score. After doing research, 15 U.S.C 1692d section 1 states " a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. I have officially experienced identity theft and unlawful violations by several companies and agencies listed on my personal credit files without my consent. I have a XXXX XXXX XXXX report that states most of the companies that have violated my consumer credit files and also violated the consumer laws under FDCPA so this can be investigated. I will be listing the following names, dates and amounts stated on my Equifax and XXXX credit reports that I do not recognize and DOES NOT have truthful information of me. I WOULD ALSO ADD THAT THERE ARE WRONG ADDRESSES ALL OVER MY CREDIT REPORT FILES THAT DEFINITELY NEED TO BE REMOVED and PHONE NUMBERS I HAVE NO KNOWLEDGE OF EVER OWNING IN MY LIFE. 

Date reported : XX/XX/2023 collection agency XXXX XXXX XXXX XXXX XXXX. illegally reported an amount of {$6400.00} and added it to collections without my consent or knowledge, I do not approve this account having complete truthful information of me. 
Date Reported : XX/XX/2023 collection agency XXXX XXXX XXXX XXXX illegally reported an amount of {$1800.00}. This account is not mine and I do not recognize this company or make any business with them. 
Date reported : XX/XX/2023 collection agency XXXX XXXX XXXX XXXX illegally reported a balance of {$120.00} and I actually had the time of the day to reach out to this company today and I spoke with a representative by the name of XXXX and she stated to me that the collection is for XXXX ; a company that is no longer in business and is trying to illegally collect from me with incorrect information of me ( like the rest of the other companies ). I was told by XXXX to send a dispute letter to XXXX XXXX XXXX XXXX but I honestly don't have the time to send every single XXXX company that has defrauded me a letter to dispute ALL of this non sense. 
I have NOT approved any hard inquiries and soft inquiries on my credit file made by other companies and agencies. 4 inquires from XXXX XXXX XXXX XXXX I have no business or accounts open with XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, or XXXX, XXXX XXXX XXXX and ect. 

Please know that both of my credit reports from Equifax and XXXX DO NOT MATCH with correct information I wouldn't doubt that if I retrieve my XXXX report it also has fraudulent information and is not complied with correct information either.
Product: Debt collection

Weber and olcese. They have claimed to put a lien on my house in multiple counties which makes no sense. I got a writ of garnishment and I get these court forms that are not legally filed with the clerk which means they are not valid judgements AT ALL months after theyve filed them and there are magically never any hearings to attend either. 

Talk about harrassment from a debt collector who LITERALLY IS AN ATTORNEY. Thats not supposed to be legal. 

Maybe they should go after my ex who fraudulently used my card and also committed IS theft against me multiple times. It would be a better way to spend their energy instead of harassing a XXXX  parent whos absolutely XXXX  and feeling stalked by illegal court documents that are never ever properly filed! Perhaps they can talk to my exes attorney because they apparently both improperly served documents regarding my income in the same courts by randomly just dropping stuff off as if thats a valid process in a court house. 

XXXX.
Product: Mortgage

i had lost my job and was trying to modify my mortgage loan. i had requested and filed my paper work to my mortgage company and month after month they said they did n't get my paper work so i had to start the process over, while going threw a modification ever home wont except any payments so i was falling behind on my payments.after about 2 years i figured out that they was n't going to help me they just wanted me to lose my house. i looked for help with fannie mae where they did help me keep my home. my problem now is i have many late payments on my credit report and would like to see them gone is there something i can do
Product: Debt collection

Sent verification of debt to XXXX XXXX on XXXX XXXX, XXXX. Never received anything in response. They put it on my credit on XXXX XXXX, XXXX.
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 {$5400.00}, {$4500.00}, {$12000.00}, {$1000.00}, {$4400.00}, {$1800.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX  CARD partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I have already called XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX L XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX 3**XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$110.00} ; XXXX XXXX Balance Owed : {$750.00} ; XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Original Creditor : 11 XXXX ) XXXX Balance Owed : {$3200.00} ; XXXX ( original creditor : XXXX XXXX ) XXXX Balance Owed : {$560.00} ; XXXXXXXX XXXX Original Creditor : 01 XXXX XXXX XXXX ) XXXX Balance Owed : {$830.00} ; XXXX XXXXXXXX ( Original Creditor:08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$160.00} ; XXXX XXXX ( Original Creditor : 06 XXXX ) XXXX Balance Owed : {$2100.00} ; XXXX Original Creditor : 11 XXXX XXXX ) XXXX Balance Owed : {$4300.00} ; XXXXXXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX Balance Owed : {$830.00} ; XXXX XXXX ( Original Creditor:09 XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

XX/XX/XXXX there was a XXXX XXXX XXXX account opened up in my name. I was born XX/XX/XXXX which made me XXXX years old when this account was opened. I have never had any services or account with XXXX XXXX XXXX. This has been hurting my report and I have been declined services for 2 years. I have been trying to get this off and no one is helping me. Legally I was not old enough to have a utlitiy bill when I was XXXX. I have no idea who had this account. When I went to college and started to look at my credit I seen this. I started disputing it then with XXXX and all the credit reporting companies. Account # XXXX XXXX XXXX XXXX. Address is XXXX XXXX XXXX XXXX FL XXXX and the phone number is XXXX. 
I need this to be removed from XXXX XXXX XXXX now. They should have never allowed someone to use my information to get a utlity bill of any kind. I need this removed from All Credit Reporting agencies as well. This has damamged my report and prevented me from getting credit. I have attatched my ID showing y date of birth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be removed according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed erroneous accounts that are present on my XXXX XXXX XXXX  TransUnion reports. I have not received a response within the necessary time allotted to the credit bureaus within the Fair Credit Reporting Act. I have provided the certified mail slips for the letters sent and attached the letters themselves. 

Certified Mail slips for letters sent to bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion
Product: Debt or credit management

United Lending keeps calling me upwards of 10 times a day from different numbers despite me requesting them to stop. The number are XXXX, XXXX, XXXX and many more. I have verbally asked them to not call me during work and to put me on the do not call list but they keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to XXXX, Equifax and XXXX on XX/XX/2023 and asked them to reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX  and XXXX I asked them several times to correct this information and they keep responding that the information has been verified. The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 15 USC 1681 I have a right to privacy According to 15 USC 1681S-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.

( 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 In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my report. 

The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is inaccurate, the high credit is inaccurate, credit limit inaccurate, date of last payment is inaccurate, account status is not accurate. This is grounds for removal. 

I can go on and on about how the credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

I disputed this information via mail twice and got no response. Then I dispute it online and add documents. Equifax says they verified it with XXXX XXXX. XXXX XXXX removed this information because they can't verify it. I provided that information to Equifax and they still report it as accurate via XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prosper account Loan # XXXX Showing on my credit report as being late payments incorrectly. Prosper made errors when adding my bank account for automatic payments and accepted fault. They 're negatively reporting on an account that is current.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquires. I have tried to dispute them but they have not been removed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for a used car loan for dealership at XXXX XXXX located in XXXX, LA. There were 7 creditors that have made hard inquiries to my XXXX credit report, and they refused to remove them when XXXX XXXX took over for my car loan. By Federal Law, Credit Bureau Agencies I was told by XXXX can not honor request by consumer. The hard inquiries prevented me from applying for a credit card XXXX XXXX XXXX XXXX XXXX. 
XXXX, LA. XXXX XXXX The following companies made credit inquiries on my report that have no financial activities on my report and should be removed : XXXX. XXXX XXXX XXXX. Bank of America XXXX. XXXX XXXXk XXXX. XXXX XXXX XXXX XXXX XXXX. Second Credit check was done by XXXX XXXX