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

On my Equifax, XXXX and XXXX Credit reports the collection tradeline XXXX XXXX/XXXX XXXX, acct no ending XXXX, Orig creditor XXXX XXXX XXXX All 3 credit reporting agencies are reporting the wrong " Date of 1st Delinquency '' " XX/XX/2017. '' My records show that the account was never brought to current from the first delinquency date of XX/XX/2017. Equifax, XXXX, & XXXX are reporting the wrong date of first delinquency. They report XXXX XXXX my last payment was made, but the payment made on XX/XX/2017 did not bring my account to current. The last date this account was current was XX/XX/2017. This error causes re-aging and delaying the date the account will be removed from my credit report.
Product: Vehicle loan or lease

On or about XX/XX/2017, I purchased a car from XXXX  XXXX dealership, XXXX XXXX XXXX XXXX, XXXX XXXX Il XXXX and HYUNDAI Motor Finance, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX was the Finance company. Because of hardship, XXXX, brining extra bills that XXXX care did not cover I felt behind in my payments by two months. Within that two months I started paying my car notes as normal, $ XXXXusually before it was due. I called and talked with the finance company after reading in my contract that I could extend the date in my contract if there was a problem therefore I called the finance company and ask for my contract to be extend my contract for last payment by two months. The young lady told me that I could do that if I double my payments for three ( 3 ) months, I told her that if I could do that I would not need to extend my contract date. The next bill I send the regular payment {$340.00}, plus two-hundred dollars ( {$200.00} ). I couldn't continue to do that it would put me behind in my medical, and utilities bills. Therefore I just send the regular bill of {$340.00}, every month, I receive Social Security and I'm on a budget, therefore I didn't have extra money. To honest I was going to pay Hyundai when the stimulus check from the government came, I'm still waiting and they're still playing while people are in desperate need. Under the laws as I'm too understand of Illinois, and UCC 9.506. as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhere.

also I never stop sending in the regular payments it was just the two payments and they could have extended my contract by two months. Being a senior the car was my transportation to shop for groceries, go to my doctor appointments, as well helping other seniors get to the doctor and the store church when it was open, no i didn't charge for gas because I felt God had bless me with a car and why not share with those who didn't have now I don't have.
Product: Bank account or service

had late payment reported to credit bureau post la flood by capital one. my house flooded and was displaced. Per the federal disaster area, should not have been reported to credit bureau for time frame. asked to have it deleted, capital one would not.
Product: Checking or savings account

A business associate who also lives in Georgia earned a commission and on the memo line of the online bill pay I wrote the name of the client for whom the commission was earned. The XXXX of XXXX XXXX XXXX department of Chase Bank flagged the transaction on XX/XX/18. The amount of the payment is {$8800.00} and the funds have been suspend for over a month now. The XXXX department is requested personal information on the person listed in the memo line full name ( first, middle and last ), the date of birth ( mm/dd/yyyy ) and place of birth for XXXX XXXX I don't have access to this information and it's none of my business. 

I've escalated this from the online baking department to the branch to the branch escalation department to the executive office to the manager of the executive office and there has no progress. I've XXXX filed a complaint with XXXX and they haven't responded. I've contacted an attorney and he says I have no rights. I've contacted the office of my XXXX who's on the XXXX XXXX XXXX and they have responded. 

I need help resolving this matter and getting these funds back. Please assist me.
Product: Debt collection

This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$280.00} Date Opened : XX/XX/year> Under 15 U.S. Code 1681a ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
XXXX
Product: Credit reporting or other personal consumer reports

TransUnion and it's representative has decided to Continue to report XXXX XXXX XXXX XXXX on my credit report illegally. They are also REPORTING XXXX XXXX XXXX XXXX with XXXX missed/late as well, decreasing my credit even more. Increasing my chances of not being approved for anything. XXXX missed/late is a highly illegal & a Misrepresentation of the truth. The public can't unsee what Transunion has done. As of right now, all I'm asking for is the removal of the XXXX XXXX XXXX XXXX ACCOUNT FROM MY CREDIT REPORT THANK YOU.
Product: Payday loan, title loan, or personal loan

I live in XXXX XXXX, VA - On XXXX, XXXX. I contacted NetCredit.com for a {$4200.00} loan with auto-repayment of {$110.00} twice a month. Since COVID-19, I called NetCredit and asked why did they take three consecutive payments in XXXX, XXXX during a global health and financial pandemic. They then explained to me that I owe another {$4100.00} dollars, I told them that is not what I agreed to, I only borrowed {$4200.00} ( 200 % interest fee ) and that's what my contract indicated. Since XXXX, XXXX, I have made a total of 41 payment of {$4700.00}. 
I had fulfilled my loan repayment obligations, but instead of coming to an agreement to Cease and Desist with multiple communications, NetCredit has started reporting me to all the Credit Bureaus to ruin my credit/FICO scores. I am at my wits end to end the harassments and threats to continue to report me to the credit agencies. Please send my complaint to Attorney General XXXX XXXX against NetCredit. They are still operating under predatory lending principles. There contract is confusing and very deceptive. I am fearful that I will loss everything. 

Sincerely, NetCredit Victim
Product: Credit card or prepaid card

On XX/XX/2017 I purchase aTV from XXXX. Eighteen consecutive payments were made through XXXX  XXXX XXXX Bill Pay for a total amount of purchase plus {$100.00} an overpayment. I kept getting chargebacks, late fees and lately no payment notices. I contacted the bank ( XXXX whom in turn contacted CITI bank and they promised issue would be solved. It didn't. XX/XX/XXXXXXXX XXXX sent notice that payments had been made to no avail. I sent a letter to CITI Bank with full disclosure of payments from XX/XX/XXXXXXXX XXXX. It was ignored. XX/XX/XXXX XXXX on my request contacted CITI bank, again, no results. I haven't been able to contact a physical person from CITI Bank to help me. I have all documentation from XX/XX/XXXXXXXX XXXX showing all pertinent data, no answer. I keep receiving notices of nonpayment at which point I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX closed my account in XXXX of 2017. They did not tell me the account was closed and continued to report that I was missing payments on a closed account when I was actually making payments. When I called to ask why my account was reported as a closed account on my credit report, they lied to me and told me that it was open. It wasn't until I spoke with the dispute team that I was informed that the account was in fact closed. They also misappropriated a payment and redistributed it as miscellaneous funds. ( They initially denied this and said that my bank had taken the payment back. I pointed the information out to them when I got a copy of my payment report from them ). I would like them to remove the missed payments that are reported after they closed the account in XXXX of 2017.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX AND I AM NOT A 3RD PARTY.I AM A NATURAL PERSON SUBMITTING THIS COMPLAINT ON MY BEHALF. 

Dear Equifax, I am writing to formally dispute several accounts on my credit report due to identity theft. I have thoroughly reviewed my credit report and identified multiple accounts that were fraudulently opened in my name without my knowledge or consent. 
I have attached an FTC identity theft report to substantiate my claim. Additionally, I want to bring to your attention that I have never provided written consent for these accounts to be reported on my credit file, pursuant to 15 U.S.C. 1681b, which requires such consent for the procurement and use of consumer reports. I was never given any option to opt-out for reporting either. 
Furthermore, the fraudulent activities related to these accounts may also constitute violations under 18 U.S.Code 1028A, as my information is being passed without lawful authority which is aggravated identity theft. These transactions/accounts are not relating to any transactions that I, the consumer have made. 
As these accounts were opened and reported without my authorization, I am demanding that they be BLOCK/REMOVED from my credit report immediately. Please consider this letter as my formal request to remove/block these fraudulent accounts and inquiries items within 4 ( four ) days, in compliance with federal law.Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Product: Credit reporting 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 : XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I found out, on XXXX/XXXX/XXXX upon entering the bank because the my App on XXXX would not update and an account ( which a bank rep told me to close over 5 years ago because of costly fees for transfers to pay down my HELOC was costing too much money to transfer in fees?! ) There was an overdraft of {$8.00} on an account I thought the Fraud Department should have noticed as I never used because I thought the bank Representative closed it??? I was shown my account on the computer & I saw {$2300.00} ++ {$100.00} 's a day transferred into my checking account but suddenly It disappeared AGAIN which I NEVER SAW BEFORE THEN? I called mobile phone # & lady said, " ... the check was from a XXXX XXXX claim you made for water and sewage damage.. '' I did NOT make any such claim?! I sat in the XXXX XXXX 's office to see if they got any reports they settled on my behalf for which I received settlement check on XXXX XXXX or anything in XXXX!? ... after over an hour the lady saw NO such claim as I knew. I apparently have a hacker or something because there are many fraudulent charges i.e. I do NOT go to XXXX every on the day PLUS NEVER MORE THAN ONCE a day ( may be on a few occasions 2 times ) The hackr is still using my information and me stopped using my card except when absolutely necessary. I reported it to the XXXX police and the bank 's reps and fraud department and it has been since XXXX and ongoing ... The bank DID acknowledge and in XXXX refunded me {$78.00} but the rep who said he closed the account yelled at me ( causing the guard to check if I was OK ) because he said, " ... I hate myself sometimes ... '' I never gave my PIN # out and never give it away and it was not stolen. He DID cancel over 5 cards and purchases were even made while I was en route to the airport on XXXX XXXX, XXXX. I informed everyone that all I could think of that in XXXX, I trusted my daughter 's boyfriend to fix my crashed desktop and my daughter thought he could fix but after a week and alll my information up to his 56 '' screen when I brought it home it was still crashed?! Aso, someone stole ( more recently ) my XXXX XXXX, on XXXX XXXX, XXXX and I went to proper authorities for 2 bank accounts that somehow withdrew money from one account in excess of {$15000.00} it has been way too long to put it back in the bank. Am I ever going to get my {$18000.00} and {$5000.00} from separate banks -- back?! I have worked long and hard but I have been told I will never get it back ( by some business people ) ... I made the mistake of trusting the bank and not balancing my checking accounts as I once did and should never have let anyone have access to steal my phone - the hand is quicker than the eye- I learned!!! Please help ...
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS AND A SLEW OF CREDIT INQUIRIES BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. IT APPEARS THAT SOMEONE IS APPLYING FOR AUTO LINES OF CREDIT UNDER MY NAME I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted TransUnion disputes dept today XX/XX/2019. I asked if my dispute sent via mail was received and I was told yes. It was received on XX/XX/2019. I asked if Cfbp complaint that I filed had been received-got ignored. The rep. stated dispute would be completed the second or so week in XX/XX/2019. The rep. stated 30 days is their normal time frame. I told the rep. no!! The first & second dispute took 30 days each. I stated they had 15 days according to fcra rule 611, 613, 605, & 617 to complete dispute. I indicated that information in my dispute Letter. I also made known to the rep. that TransUnion has blocked / removed allowing me access to view, check status, or start new dispute online. Then the rep. hung up the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE LAST XX/XX/2021 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 50 DAYS. I FILLED A XXXX DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Bank account or service

I hope this complaint serves as a reference to improve the policies in place for citizens of a different country in the same condition as mine. 

I 'm a XXXX and arrived to the US two weeks ago. I 'm currently receiving financial aid from the Missouri government, to be more specific from the Family support division and I have tried to cash in unsusesfully the cheque I have received. I went to the closest XXXX store and a Bank of America branch for this purpose, and I was told that without a SSN or a US ID I could not cash in the cheque. I already applied for a work permit but it will take a few months for me to get it. Only after I get the work permit I 'll be able to apply for a SSN and that is going to take a bit longer. This is a challenging situation for someone who has been XXXX in the US and is in the process of getting the US documents. I 'm receiving the social aid cheque, but I ca n't do anything with it. There should be a special procedure for unusual cases like mine where an individual should be able to do this sort of transactions or open a check in account in a bank without having some challenging policies in place.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged det Agreement that bears the signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. I hope your legal staff will agree that non-compliance with this request will result in serious legal trouble for your company. 

Sincerely, XXXX XXXX
Product: Credit card

Company is reporting on my credit report that I owe them I just realized this is showing on the credit report I have written to them and they sent me back a identity theft affidavit and i asked that they investigate the debt but they are stating the form must be completed first but I have not indicated identity theft as of yet. I returned the form with notary because the police have not been contacted.I asked that a copy of any of the orders and or payments made be sent to me. no response as of yet
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. I understand the Covid-19 going and its tough right now. section 611 ( a ) its is plainly stated that a failure to investigate these items within 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAPITAL ONE XXXX*that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Inquires are on my reports I didnt authorize
Product: Payday loan

A credit of {$1000.00} was made to my bank account by Castlepayday. I did not apply for any loan. I contacted the bank & they instructed me to call Castlepayday which I did. They verified all the information, told me a debit would occur on XXXX/XXXX/15. Today the bank called and Castlepayday debited XXXX. I again contacted them and was told the additional XXXX was interest amount on the XXXX loan. They again verified the transaction and I was told that the XXXX would be reversed along with a XXXX fee because their action caused an overdraft at the bank. I was told the first action occurred because of an error in typing the account number by one of their employees. But to then make a XXXX mistake is unacceptable.
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DPT ED/NAVI has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!