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

In accordance with the Fair Credit Report Act XXXX  XXXX Account # XXXX Comenity. Bank/ NY & Co Acct # XXXX They have all violated my rights.

15 USC 1681 Section 602 states " I HAVE THE RIGHT TO PRIVACY '' 15 USC 1681 Section 604A section 2 : It also states " A consumer Reporting Agency can not furnish an 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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX PA XXXX Subject : Reinvestigate Late Payment Dear Transunion, Please investigate this Late Payment Error referencing the Account name XXXX Michigan Account # XXXX. Per USC 1666B, A Creditor may not treat a payment on a credit card account on an open-ended consumer credit plan. Please provide a verification method without using the E-Oscar system, starting with the name of the individual who worked on the dispute, date, and time. List every third-party resource used to help with the verification process. These inaccuracies have affected my creditworthiness. If you can't provide this, please make the necessary corrections to my consumer report with NO DATA or Current. 


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

I pay XXXX XXXX powered by XXXX every month for credit monitoring services and the information reflected on my reports are inaccurate. I have five active accounts ( XXXX {$750.00}, XXXX XXXX {$650.00}, XXXX XXXX XXXX {$650.00}, XXXX XXXX {$4800.00}, XXXX XXXX {$8200.00} ) with revolving credit that totals {$15000.00} but only {$10000.00} is reported on my reports. This mishap is affecting my credit score. 

Also, I have aliases on my reports. I do everything with XXXX XXXX as well as sign with XXXX XXXX. I need the following aliases removed from my reports. 

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

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

THE COMPANY WAS TOLD THAT THEY COULD NOT SHARE MY PRIVATE INFORMATION WITH THIRD PARTY ENTITIES. THEY HAVE VIOLATED THE PRIVACY LAWS OF THE UNITED STATES AND HAVE CONTINUELY VIOLATED MY PRIVATE RIGHT TO PRIVACY FOR YEARS EVEN AFTER BEING ASKED TO STOP REPORTING THIS INFORMATION CAUSING DAMAGE TO MY REPUTATION. THEY HAVE ALSO BEEN ASKED TO SEND THE 1099C FORM OF DEBT CANCELLATION INWHICH THEY REFUSE TO DO SO. THEY WERE ALSO ASKED TO SEND THE GAP INS. CHECK BACK TO ME FOR REFUND AND THEY STILL HAVE NOT DONE SO.
Product: Debt collection

I emailed and delivered a written statement to an employee of Metro Collection Service also provided a hand written receipt by an employee of XXXX at XXXX which verified my rent account was paid in full on XXXX/XXXX/2016 also my final payment before vacating the premises on XXXX/XXXX/16. Metro Collections employee called and spoke to me about this debt. I have a certified fund bank receipt in the amount of {$960.00} dated XXXX/XXXX/16 and a hand written receipt from XXXX XXXX XXXX dated XXXX/XXXX/16 with Account Balance {$960.00}, Payment {$960.00} and Balance Due XXXX
Product: Credit card or prepaid card

We informed Nordstrom Credit Card on XX/XX/XXXX that charges against account were fraudulent. They agreed to close account, but we continue to see activity. The total amount to date is {$16000.00}. The money is coming out of our XXXX checking account .... 

XX/XX/XXXX NORDSTROM XXXX  XXXX XXXX XXXX  : XXXX ACH debit - {$2400.00} XX/XX/XXXX NORDSTROM XXXX  XXXX XXXX XXXX   : XXXX ACH debit - {$800.00} XX/XX/XXXX NORDSTROM XXXX  XXXX XXXX XXXX  : XXXX ACH debit - {$2400.00} XX/XX/XXXX NORDSTROM XXXX XXXX XXXX  : XXXX ACH debit - {$3500.00} XX/XX/XXXX NORDSTROM XXXX XXXX XXXX  : XXXX ACH debit - {$800.00} XX/XX/XXXX NORDSTROM XXXX XXXX XXXX  : XXXX ACH debit - {$2400.00} XX/XX/XXXX NORDSTROM XXXX XXXX XXXX  : XXXX ACH debit - {$3400.00}
Product: Debt collection

Portfolio Recovery Associate, reported 4 fraudulent accounts to all major credit bureaus without a 30 day notice by mail, also reported a fake address that don't exist. The original account holder ( XXXX XXXX ) have sent me letters stating that those accounts don't belong me. 

XXXX XXXX XXXX XXXX
Product: Student loan

Federal Student Loan agency ( MOHELA ) has committed deliberate and repeated violations of the [ Fair Debt Collection Practices Act Section 805 ( c ) ] [ 15 USC 1692c ], the [ Fair Debt Collection Practices Act Section 806 ] [ 15 USC 1692d ], the [ Fair Debt Collection Practices Act Section 807 ( 4 ) ( 5 ) ] [ 15 USC 1692e ], the [ Fair Debt Collection Practices Act Section 809 ( b ) ] [ 15 USC 1692g ], the [ Fair Credit Reporting Act Section 623 ( a ) ( 3 ) ] [ 15 USC 1681s-2 ], and the [ Fair Credit Reporting Act Section 623 ( a ) ( 6 ) ( B ) [ 15 USC 1681s-2 ]. 

Despite multiple formal disputes pursuant to the [ Fair Debt Collection Practices Act Section 809 ( b ) ] [ 15 USC 1692g ]  being sent demanding validation, proof of contract, and proof of claim, ( MOHELA ) has failed to provide any certified or authenticated documentation and evidence of a lawful or legal right to collect on the alleged debt claimed. Formal notices disputing the validity of the alleged debt as well as notices demanding ( MOHELA ) to cease and desist further communication for failure to provide proof of claim or proof of contract have been sent and delivered via Certified or Registered Mail as shown below : Notice of Dispute - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Notice of Dispute - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Notice of Dispute - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Notice of Dispute - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Notice of Dispute - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Notice of Dispute - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Cease & Desist Notice - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Cease & Desist Notice - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Cease & Desist Notice - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Cease & Desist Notice - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Cease & Desist Notice - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Cease & Desist Notice - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Cease & Desist Notice - USPS # XXXX Delivered on XX/XX/2019 @ XXXX Based upon the facts and evidence provided herein a claim will be immediately filed in Federal Court against ( MOHELA ) for Civil Liability pursuant to [ Fair Debt Collection Practices Act Section 813 ( a ) ( 2 ) ] [ 15 USC 1692k ] and the [ Fair Credit Reporting Act ] for the following violations : [ Fair Debt Collection Practices Act Section 805 ( c ) ] [ 15 USC 1692c ] Communication in Connection With Debt Collection [ Fair Debt Collection Practices Act Section 806 ] [ 15 USC 1692d ] Harassment or Abuse [ Fair Debt Collection Practices Act Section 807 ( 4 ) ( 5 ) ] [ 15 USC 1692e ] False or Misleading Representations [ Fair Debt Collection Practices Act Section 809 ( b ) ] [ 15 USC 1692g ] Validation of Debts [ Fair Credit Reporting Act Section 623 ( a ) ( 3 ) ] [ 15 USC 1681s-2 ] Responsibilities of Furnishers of Information to Consumer Reporting Agencies [ Fair Credit Reporting Act Section 623 ( a ) ( 6 ) ( B ) [ 15 USC 1681s-2 ] - Responsibilities of Furnishers of Information to Consumer Reporting Agencies
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : [ Account XXXX XXXX XXXX  NUMBER : XXXX [ Account XXXX XXXX  XXXX [ Account XXXX XXXX  : NUMBER XXXX [ Account XXXX XXXX  : NUMBER : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be exclu

ded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already disputed this with the other two bureaus and they promptly removed the account. TransUnion appears to be ignoring my requests. This company is intentionally reporting both my status and payment history inaccurately, so that it keeps my payment history 30-60 days late and will never allow my score to improve. They have gotten their collateral back, voluntarily I might add, so this should be marked as a closed account and/or a voluntary repossession. Not an open and delinquent account. This is purely unethical and very bad business practice.
Product: Credit reporting or other personal consumer reports

I've recently checked my consumer reports and noticed that is serverval credit cards that I have NOT APPLIED FOR. THE CARDS GO AS FOLLOWED. 
1. XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX 2. XXXX ACCOUNT NUMBER XXXX 3. XXXX ACCOUNT NUMBER XXXX 4. XXXX ACCOUNT NUMBER XXXX According to fedral law your in violation, did not apply for these cards and do not wish to have theses accounts furnished on my consumer report. By law all transactions regarding such activities are ILLEGAL under 15 U.S. Code 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXXXXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX Balance {$0.00}XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX  XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date opened XX/XX/XXXX Balance : {$850.00}, XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX I, XXXX ( Original Creditor : XXXX XXXX. ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$3100.00}, and XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Debt collection

I had a legitimate credit card closure for non payment. Eventually this debt was sold to Midland Credit management. The company then went to my local court district and filed for garnishment of my paycheck. Which was taken until the total amount owed was satisfied. The collection agency mentioned above is still making incorrect and fraudulent updates to my credit report so the alleged debt owed is continuing to accrue interest. Ive reached out to multiple employees and the legal team with no solution. They even told me they were able to take my payment right then over the phone. I do not owe this company anything. This is fraudulent!
Product: Credit card or prepaid card

This card offered a bonus cash reward of {$100.00} if your spent a certain amount which I did back in early XXXX. I inquired with the Bank back in XXXX and still waiting for a resolution. The marketing of the cash back reward appears as a deceptive practice as the reward is not paid in a reasonable time frame and resolving is taking an unreasonable time at this point. Perhaps their practice is to delay, delay in hoping cardholders will just close the card without receiving the reward.
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems Experian is reporting in my Credit Summary that I had 3 late payments ( see uploaded document ). My credit report ( also uploaded ) states that there were 2. On XX/XX/XXXX my Experian credit score drop 15 points due to this erroneous and damaging reporting. My XXXX  and XXXX  reports show I have an excellent credit score so Im not sure why Experian would be reporting negative information. On XX/XX/10 I submitted a dispute regarding this but it appear what I reported was ignored and the dispute closed. The negative reporting is effecting my ability to use my good credit rating to achieve employment and housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an unknown XXXX XXXX XXXXXXXX account in my credit report at the end of XXXX. I contacted Experian and try to dispute it. Then Experian told me the result is accurate on XX/XX/XXXX. The unknown XXXX account was opened in XXXX, and my first arrived in US is XXXX. I have no idea why both XXXX XXXX  XXXX and Experian said the credit card account was belonged to me. I only have one authorized XXXX credit card account from my wife. It was opened in XXXX and I checked the account number is different.
Product: Credit card

I enrolled in a debt management plan in XXXX to assist in making payments to payoff Credit cards. After not working for some weeks, I missed XXXX payments where there were no payments sent to Total Visa or Activate Financial. The company had dropped me from the program and never notified the Debt Mgmt company I had in fact been dropped. I had been receiving calls saying I was behind on payments. I called XXXX and they did a conference call to see what was going on and opted to put me back into the program when they advised that I was removed from the program without ANY NOTIFICATION. When I called Total Visa XX/XX/XXXX to get balance, I was told it is currently {$500.00}. The credit limit is {$450.00}. Since I have been paying into the debt mgmt company, I have paid, {$410.00} AND THESE PAYMENTS HAVE BEEN SENT TO TOTAL VISA. Total Visa has been charging me {$41.00} late fee EVERY MONTH, while they have been receiving payments of XXXX every month, VIA XXXX. XXXX XXXX, Total Visa says I owe the amount. THIS IS NOT FAIR. Total Visa did not hold their agreement in notifying the debt management company that I had been dropped from the program. HOW DOES A CONSUMER GO FROM PAYING {$410.00} FOR THE LAST XXXX OR MORE MONTHS TO OWING {$500.00}, WITH A CREDIT LIMIT OF {$450.00}. THIS IS NOT FAIR AND IT IS A RIP OFF TO THE CONSUMER! By the way, the credit card company will show that they were receiving the payments from the XXXX XXXX company. If I have paid {$410.00} and they want me to pay another XXXX, I will have paid them {$900.00} WHICH IS ABSOLUTELY INSANE AND RIDICULOUS. The credit limit is {$450.00} and there have been NO CHARGES ON THIS CARD. The last XXXX digits of my social security number is XXXX. The last XXXX digits of my card is XXXX.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 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

There is a paid collection from 2012 that i had an agreement with creditor to remove after final payment which never happened i faxed copies to all XXXX credit bureaus, they all deleted this collection from my file, transunion was the only agency to re add the collection back on my file after the investigation and deletion further dropping my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 XXXX a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, GM FINANCIAL XXXX Open Date XX/XX/XXXX Balance : {$0.00}