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

I am writing to dispute inaccurate information reported by Experian, XXXX, and XXXX on my credit report regarding my account with XXXX XXXX ( Account Number : XXXX ). The report incorrectly shows late payments for XXXX, XXXX, and XX/XX/year>. Experian reported that I made a {$0.00} payment on XX/XX/year>, when in fact I redeemed points for cash in the amount of {$49.00}. Additionally, the remainder of the XX/XX/year> payment was made on XX/XX/year>, which falls within the 30-day grace period stipulated by the CFPB for the due date of XX/XX/year>, and should not be reported as late. Despite these facts, Experian, XXXX, and XXXX have falsely reported my account as late as of XX/XX/year>, and have reported a past due amount of {$930.00} as of XX/XX/year>, which is incorrect. Furthermore, XXXX XXXX extended the due dates for these payments XX/XX/year> and XX/XX/year> per an extension agreement dated XX/XX/year>.
Product: Debt collection

I checked my XXXX credit report today, XX/XX/XXXX ... I saw that there was an account from HARVARD COLLECTION SER ( XXXX ) and I have never received a written notice of them attempting to collect the debt. 

This is a clear violation of the FDCPA as they have to let me know within 5 days of acquiring the debt that I owe them, and this has not been done. 

I have disputed this item already with a previous debt collector as I am not familiar with the amount in questions.
Product: Mortgage

My Lender will not give me a Loan Modification on my Father : s Home my Fsther Died and left me his Property so i am the Administrator of his Estate but this lender will not work with me on a Loan Modification and the lender has a sale date and the lender will not work with me so my home is going to sale
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I sent letters off on XX/XX/2022. Here are my tracking numbers XXXX, XXXX, XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is supposed to share my information with third party people.

These are clear violations of my federally protected consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX Balance {$7200.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Credit card or prepaid card

I load from my XXXX XXXX or XXXX XXXX because my card is routed to my phone and XXXX XXXX and XXXX XXXX accout As I've been telling chime supervisor manager and everyone else I did not have possession my card I didn't need possession of my card possession of my card I never need physical assets of my card I never need my card in my hand and a pen was not used it was an online transaction that did not lead a pin code so by me having my pen has nothing to do with it when there was no use for the XXXX to be even used so therefore I did not know that my card was missing until I received a text message stating that my car was declined for {$98.00} when I did not use the card for XXXX and was not in the possession of the card for the use of it for XXXX something dollars at XXXX that what made me look and see if my car was in my wallet and therefore my card was not in my wallet so I did not never have possession of the card and the pen was not needed if the pen was needed they would have got what they wanted from XXXX Also I I added the money on the card for my essentials throughout the week like my XXXX and other things that I used to transfer money to my sister I never used it lately for no XXXX if you look into the history of it you can tell that it was I misuse on someone else 's part I always load money on that card I always put money on that card and take card off for my XXXX for transportation to work and other uses so don't tell me that it was loaded for that particular purpose SO AS YOU CAN SEE needed my time card in my hand because it's already linked to my accounts that which are already on my phone apps so there is no way that I knew that my card was gone until I received a text message and called chime and look it's not the only card that's missing I always made my anything through XXXX XXXX or XXXX I never use my time card for big purchases that is not what I use that card for if so I will use my time credit card to build my credit And as you can see I only my big purchases through my wisely card and cash out because those are the only cars I really keep money on for other stuff my time card is for my XXXX mainly for my ride to work and this is my evidence This every thing I should have to fight so hard for my money when I gave all the poof they ask XXXX 


So someone used my card for online purchases of the amount of {$230.00} on XXXX XXXX on XX/XX/2022 I have called XXXX and they also agreed and flag the purchase as fraud I have sent chime invoice, police report, my GPS location, screen shots, and handwritten letters XXXX disputes and chime continue to denied my evidence of this unauthorized transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals OfficeXXXX XXXX XXXX XXXX and Federal Trade Commission.

1. Please remove it from my credit report.

XXXX XXXX Account Number XXXX XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX This address is not correct. Delete it immediately from my report. 
XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX, CA XXXX This address is not correct. Delete it immediately from my report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$560.00XXXX XXXX XXXXXXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items with Tranunions and XXXX  on XX/XX/2020 and today is XX/XX/2020 and still no reply, its been well over 30 days and I would like for these accounts removed from my credit report.
Product: Debt collection

This account was fraudulently opened around XXXX?. Not sure on the actual dates. I have been in contact with XXXX multiple times and told them this account was not mine. They sent me paperwork which I filled out and returned. They will not give me any info on this account because my info don't match their files.. I have disputed this collection with XXXX XXXX since XXXX. The dates of these disputes are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They keep saying that info is verified. I have never had XXXX XXXX or a XXXX device. I've had XXXX XXXX since XXXX. The date opened on my report is incorrect. The creditor keeps changing. I never made a payment because I didn't know about this account until it was on my credit report. I can't get any information from XXXX to resolve anything. My purse was stolen along with my S.S card and I.D . I have multiple accounts I'm dealing with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the bankruptcy filing and submitted my FTC report to XXXX, they indicated they was removing the accounts ( Bankruptcy ) and it still appears on my credit report. I have attached a copy of there response regarding their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX, and I have always made my payments on time. After being alerted that there was a late payment on my credit report, I called XXXX and was informed that there was a mistake in their billing system which had resulted in a 30-day late payment on my credit report. 

As it turned out, by the time the billing issue was resolved, a second 30-day late payment had been placed on my credit report. This billing mistake resulted in me being 60 days late. 

It's important to note that my payment history has always been perfect and on time. I reached out to Experian, XXXX, XXXX, and XXXX, but unfortunately, I have been unable to obtain a satisfactory resolution. Both Experian, XXXX, and XXXX have reported me as 30 days late for XX/XX/XXXX and XX/XX/XXXX, which is caused by the bank 's error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to have these inquiries removed from my credit report. 

They aren't attached to me in anyway. 

XXXX XXXX. Bank credit cards. 
XXXX XXXX Bank credit card. 
XXXX XXXX XXXX credit card. 
XXXX XXXX XXXX Bank credit card. 
XXXX XXXX XXXX.
Product: Debt collection

XXXX transferred credit card debt to Calvary Portfolio Services in XXXX. I notified Calvary Portfolio Services that I was not aware of this debt and that, to my knowledge, it had been paid off. I asked them for a copy of the statements and after months they supplied it- to which I realized that my account had substantial fraudulent charges and unauthorized enrollments and charges by XXXX . I notified Calvary of this- to which they did not respond. Debt collection attempts continued. I then was served papers- I notified both the law firm ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and Calvary that the debt was not mine- and got no response. Although I notified both parties that this debt was a result of fraud, they continued to ignore my statement. I was encouraged by the law firm to settle for 80 % despite continually stating that the debt was not mine. The contact at XXXX XXXX XXXX XXXX XXXX advised me that the client " was known to be very aggressive '' even though I continued to state that the debt was not mine. Calvary took me to court - my repeated statement of the debt not being mine was not disclosed by Calvary or XXXX XXXX XXXX XXXX XXXX and they pursued the full amount. After unfairly paying over {$2000.00} over XXXX on time payments on this debt, I was attempting to submit XXXX payment on XX/XX/XXXX to find that the system would no longer accept my electronic payments. I reached out to the law office only to be told that a payment on XX/XX/XXXX had not gone through. I stated that I was unaware of this and explained it was due to an account change and immediately offered to submit both XXXX and XXXX payments- only to be told after XXXX on XX/XX/XXXX that all payments must be sent in via certified funds. I then asked for my total balance with intent to pay the balance of around {$2000.00} off. After 16 days, of no response, I resent my request for my total balance and was told my account was in default and I owed ~ {$5800.00} immediately. I shared my irritation that I was not given the option to submit payment on time due to lack of communication and notification. Both companies unethically and continually ignored my statement of fraud- while knowing that the original creditor was under investigation for related reasons. 
After submitting an offer to settle for the already paid amount, Calvary has yet to respond, and reported late payment to the credit agency although I continue tto try to contact.
Product: Credit reporting or other personal consumer reports

I sent letters off to XXXX XXXX And XXXX in regards to A alleged Late payments on my capital one account.I have not received a Reasonable or proper response and it has been more that 30 days.15 USC 1681 a speaks on accuracy of a consumer report15 USC 1681eb speaks on consumer reporting agencies furnishing accurate information on a consumer report.Accuracy means all values.

( 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. It would be more than fair to remove and delete said item off my account ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

I had noticed that XXXX XXXX added a {$380.00} charge from capital one on my credit report. It shows date opened XXXX/XXXX/XXXX and date updated XXXX/XXXX/XXXX. I contacted capital one on XXXX/XXXX/XXXX regarding this because I have never in my life had a capital one account. They insisted this will not be on my credit report until a proper investigation has been conducted. XXXX failed to even let me know about this debt and I never ever received anything from a capital one! This needs to be removed from my credit report as this is an account I never had in my life. Also XXXX failed to even let me know anything about this debt, did not even give me a chance to validate or dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note I am the only natural person writing this statement with the help of NO 3rd party. I never gave these company any written consent to report any inquiries on my consumer report. I am attaching FTC Report Immediately to be deleted from my consumer report.
Product: Checking or savings account

They locked my account months ago I have done all necessary steps to gain access and it still will not allow me to access my money in my account Venmo has locked my account and will not help me get my funds out
Product: Credit reporting, credit repair services, or other personal consumer reports

Difficult to contact Transunion about a credit card that was open fraudulently under my name without my knowledge.
Product: Credit card or prepaid card

I have had my Chase Freedom card since XXXX. After paying both my husband 's bill for his Chase Freedom ( he has had since XXXX ) and mine, I noticed that I pay 25.24 % and he pays 13 % in interest. We have been married for 30 years and I have a credit score of XXXX. Just a bit higher than his. I called to say that I felt that my interest rate was too high. That I was a good customer and that it should be similar to my husband 's rate. My rate is higher than that paid by those with bad credit! I was told I have no recourse. How can it be fair that I pay DOUBLE what my husband does? I feel this is discriminatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Experian is still reporting fraud on my report & I AM A VICTIM OF ID. THEFT, NOT ALLEGEDLY! & I appreciate Experian 's support in helping with this serious matter! Experian is violating the law & my rights, by still reporting fraud accounts : XXXX acct. {$2200.00} XXXX XXXX XXXX XXXX acct # XXXX {$11000.00}. XXXX XXXX XXXX acct # XXXX {$5400.00} These companies are not following the law & not providing true proof of validations, No wet signature, their records only prove a hacker used all my personal info. to open & maintain these accounts. I'm sick of this disaster & causing me & my family stress. I asked them to immediately remove these fraud accounts. XXXX XXXX XXXX XXXX are following the law & already removed these fraud accts. & I can prove this. By law all reporting agencies must report the same, complete & accurate information & Experian is breaking the law. Thank You ( also Im including pics of Dark Web surveillance of hackers open fraud accounts or attempting ) & Pics of the removal of the LandMark accounts aren't on XXXX XXXX XXXX XXXX.
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 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 an account without my written instructions.
Product: Debt collection

I have no idea whose account this is! I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet.
Product: Checking or savings account

I was notified by PNC bank XX/XX/2022 that someone took money out of my checking account ending in XXXX. XX/XX/2022 someone took {$2300.00} out of my checking account through XXXXPNC Bank without my authorization. I received a call from PNC that I was to come to the branch immediately so that they could give me a new checking account. They said they would need to contact XXXX for the money back. Neither is willing to give me my money back. It's almost as if they are saying to me too bad this happened to you, but we are NOT going to help you get the money back. I explained to them that I am protected by the Regulation E act and by law they have to give me my money back. I was a victime of Identity theft last year as someone stole my social security number and they attempted to file for Unemployment benefits in PA. I am seeking a full refund from PNC bank. They need to stand by their consumers and protect them from this type of thing happening. I trusted them with my money and now I am being punished for being a victim of Identity theft.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

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  ; 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Line of credit fraudulently opened in my name by a XXXX dealer, XXXX XXXX of XXXX XXXX. Sales manager claimed this is normal procedure for them and became belligerent when I inquired if this was a mistake. My credit score has dropped and I have been materially harmed by their deception and fraud.
Product: Payday loan, title loan, or personal loan

Adverse Action Notice Recently, I exercised my right to credit yet was unlawfully denied that right. 
This is a direct violation of my rights as a consumer. 
15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right.

15 USC 1691 ( 3 ) I exercised my right to credit.

15 USC 1602 ( g ) - the term " creditor '' explains I am the person who regularly extends credit. I credited this transaction so how can you deny me?

15 USC 1681 ( k ) Adverse Action - nothing under Adverse Action gives you the right to deny me.

15 USC 1602 ( I ) I credited this transaction as a creditor from my credit card, this was a credit transaction from my credit card.

15 USC 1602 ( p ) unauthorized use, you ran the credit card and I received no benefit.

15 USC 1602 ( p ) makes it clear that you committed fraud and used my credit card without authority and I received no benefit from this transaction. 
15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable or unwilling to fix the 50 errors on the credit reports
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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.