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

There are collections on my credit report that were 1000 % not done by me. So here is the order I followed. 

1. I obtained my credit report from annualcreditreport.com. Once I identified fraudulent items I sent letters over 35 days ago certified to all of the collection agencies to remove them. 

2. When I got no response by doing that I submitted a case to https : //www.identitytheft.gov/ and provided the case number with my previous cfpb submissions as well as screenshots of the fraud on my report. 

ID FOR COMPLAINT SENT TO XXXX CREDIT BUREAU XXXX ID FOR COMPLAINT SENT TO XXXX CREDIT REPORTING AGENCY XXXX ID FOR COMPLAINT SENT TO EXPERIAN CREDIT BUREAU XXXX I also called all 3 credit agencies directly to get no where. 

To this day close to 40 days later and the fraud items have not been removed!!! 
Federal law for consumer protection as well as timelines have not been followed.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX 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 to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I have unauthorized transaction on my TCF Bank Account and I filed a dispute with TCF and send them an affidavit statement of the dispute and my dispute was declined. They did not give me temporary credit nor investigate the claim XX/XX/2020 XXXX {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with Transunion for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with  XXXX , Equifax, and  XXXX . After multiple attempts through mail, online disputes, and telephone calls I am unable to get unauthorized inquiries off of my credit report. I am sending out a certified letter  one  more time. If this does not work I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someone 's credit is for his firm offering credit, insurance, employment, or court order. With the different glitches that has been happening with the credit companies I feel that my inquire should be removed from my entire credit report.
Product: Credit reporting or other personal consumer reports

TransUnion is unwilling to lift the freeze on my credit report. This is causing me undue stress, and financial damages. Causing elevated XXXX XXXX ( XXXX ) due to an unavoidable error. 
I answered questions accurately yet TransUnion is not lifting my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have openly announced to your company that there is an error on my credit report. You have constantly ignored my request to remove the item. I refuse to let your inability to look into this matter cause me to stress and struggle to get financing. Today I demand you do something about it. I have contacted my lawyer and I will seek litigation if I need to. 
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 
COPY OF FTC REPORT IS LOCATED INSIDE.
Product: Credit reporting or other personal consumer reports

Over the few last months, Synchrony Credit/Bank Services has adversely affected my credit rating with their maleficent actions. In my attempt to purchase a home soon, within the next XXXX months, their actions of decreasing my credit availability after substantial/meaningful and tactful payments to accounts owned by their company has created a trickledown that may prove to be insurmountable. These focused payments aimed to minimize and reduce my Debt Income Ratio ( DTI ) have been amplified by their maleficent practices that have become a repetitive action focused on American-born minorities. Their actions are preventing those who have had unforeseen hardships, primarily minorities, who want to rejoin the masses of what seems to be a dead American Dream of being a homeowner are only emphasizing the desperately of a flawed credit system that favors the affluent. This algorithm they religiously follow is specifically gauged toward the less fortunate and minorities. If you doubt that assertion please reference the stats and see the evidence or what ethnicity/class of the American-born population is mostly affected. Allowing these banks to continue these practices only emphasizes the theory that the rich get richer and the poor get poorer. These practices must be addressed and they should reverse their decision and reinstate my availability. I have never been late ( XXXX  days ) on any Credit Cards they manage and own. My creditworthiness should be judged by my ability or inability to pay my bills regularly. Their static dynamic algorithm is flawed and only emphasizes a flawed creditworthiness grading system. If they do not reverse their decision, I already requested via interaction with XXXX of their representatives on XXXX, I will pursue legal action for defamation of character. They have injured me ( creditworthiness ) by their actions as their false statement ( Credit Reduction ) is public ( FICO ) and injures my reputation because others believe it is true namely other credit granting entities. By their actions, Synchrony Bank has made a broad statement that is seen as a fact by other companies and is hoping to hide behind a computer-generated rating that is flawed and gauged against people of my ilk who are trying to come back from adversity and recapture a dying dream of owning a house and living the American Dream. 

As on yesterday they minimized another account and affected my credit DTI and Score again. This has to stop
Product: Mortgage

I originally logged a ticket with the CFPB against LakeView Loan Servicing LLC. on XX/XX/2019 with the CFPB. On XX/XX/2019 the " resolution '' was to refund the amount due to me and sent via mail. After speaking to a representative shortly after they said I would receive a check within 6-8 weeks. It is now 20 weeks past when this was " resolved '' and have not received a check or any response from the company.
Product: Credit reporting or other personal consumer reports

Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under XXXX XXXX, I request their removal within 15 days. Supporting documents are attached.
Product: Credit reporting or other personal consumer reports

I recently saw a late payment on my credit report. I spoke to multiple representative XXXX who assured me i was not late. I scheduled a payment of an apparent past due amount of {$330.00} for XXXX. This is the 3rd time i have had a problem with XXXX XXXX.
Product: Checking or savings account

I rented a car using my checking account ( debit card ) for paying for actual rental fee + deposit of {$600.00}. They put a hold on my card but my checking account indicated the amount of balance left after the withdrawal, so I have been using my debit card after that without any problem. However, I got a notification this morning indicating that my BOA checking account is negative after another withdrawal from Budget. My bank balance changes way too quickly ( like the transaction history changes as well everyday. ) but this kind of thing happened multiple times ( like my bank account was fine but becomes negative within one day ) so I would like to get a through review on my checking account.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX - XXXX - XX/XX/scrub>/2019 - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I opened an account with XXXX XXXX via XXXX XXXX inXX/XX/2017, I contacted the lender in XX/XX/XXXX to verify if and when a bill would arrive. I offered to pay the bill in full and assumed this had been done until I received a letter from the debt collector. I called synchrony in an attempt to pay the bill they informed the debt had been charged off and sold to a debt collection service and they told me I would need to speak with the debt collector as it was no longer their responsibility. I then called the debt collect who then offered me to pay double the amount of the bill as a settlement and told me basically to take or leave it but either way I was going to have to pay. I asked if I could dispute the bill and was told no and that this was their only offer.
Product: Credit reporting or other personal consumer reports

my FCRA rights is continuously being violated by XXXX who never showed me proof of the date of my first delinquency I requested in a previous dispute and failure to show proof of date of first delinquency the account must be removed by law. Also XXXX is reporting an updated charge-off on my account. If the first charge off was posted on my consumer report in XXXX why is this charge-off being furnished to my consumer report every month all the way up until XXXX also is reporting an updated balance of {$8800.00} which was posted on my consumer report XXXX XXXX. If the account was charged off in XX/XX/XXXX how is it possible to report a charge-off which is in definition by the IRS as cancelled-debt XXXX decided to continue to report a charge-off on my consumer report every month including an updated balance. XXXX is reporting inaccurate information to my consumer report and falsely manipulating the statue of limitation by continuing to report an updated balance. consumer reporting agencies are bound by all FCRA laws and my consumer report has to be 100 % accurate at all times, any inaccurate information reporting to the consumer report has to be removed by law. violation of 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. 

Do not update this information I am requesting that this account be deleted which is a direct violation of the FCRA consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cancelled my subscription with Experian premium  services in XXXX and they continued to attempt.to bill me for it even after sending me confirmation i switched to free subscription. In XXXX and XXXX i was disallowed from accessing my report claiming i had to pay XXXX for my subscription. Experian does not allow me to access my info or even open my credit page. It takes me directly to page that demands I update credit info before i will be allowed access. I never signed up for another paid service after switching to their free plan I feel forced to pay for something i never ordered
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is reporting multiple cards that are not mine. Multiple account numbers, with delinquent statuses. I have tried to dispute this with the credit reporting agencies, but there has not been any changes. I am hoping that this submission will get me the results that I am expecting. I am a XXXX XXXX XXXXXXXX XXXX  and I am trying to move forward in life, but theses inaccurate accounts are holding me back. I just want this remove so I no longer experience embarrassment and anguish when looking to apply for a new car/home.
Product: Credit reporting or other personal consumer reports

I've contacted all XXXX Credit Bureaus in regards to reporting inaccurate information on my credit report. I've called each company as well as sent letters certified mail. The account with XXXX was previously removed from my profile after being ( investigated and deemed unverifiable. This account being furnished to my profile is in violation of multiple FCRA laws. 
XXXX. This account was deleted from my profile. I was not notified within XXXX business days nor in writing why or that this account would be refurnished to my profile which is in violation of 15 USC 1681 S-2 ( 6 ) A. 
XXXX. This account is in violation of reporting transactions specifically in the form of late payments which are to be excluded from my consumer report, which is in violation of 15 USC 1618A ( i ) a. 
XXXX. This account was closed and transferred to another lender but still updating and reporting inaccurate information which is in violation of 15 USC 1681 ( E ) B This account has multiple violations and if not resolved I will be seeking litigation
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated the account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate within all three bureaus. They did not provide me with the original signed contract in which myself and the other party had a debt obligation. This is grounds for removal in addition they also violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Also, the credit bureaus took more than 30 days to complete my investigation in which my tracking numbers are # XXXX, # XXXX, # XXXX, # XXXX 15 USC 1681 Section 1623 15 USC 1681 Section 611 ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

VW CREDIT INC- XX/XX/XXXX {$18000.00} REPORTING LATE PAYMENT XX/XX/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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and discarded from erroneous reporting in my file are listed on my credit report. 
XXXX 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 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
Product: Mortgage

Refinance application fee of {$500.00} was to be refunded due to decline of the loan.
Product: Debt collection

I recently pulled a copy of my consumer report and noticed that there was an account with LVNV. I have contacted the company requesting documentation that they sent a notice out to me, requirement of the FDCPA, because I do NOT owe this alleged debt to them. I informed them that they have violated my federally protected consumer rights, violated federal law- FCRA and FDCPA and committed criminal attacks against me. 

As required by the requirements of the FCRA, furnishers and reporting agencies both must use reasonable procedures, which the CRAs did not do prior to placing this fraudulent account on my consumer report. The inaccurate reporting on my consumer report is also a violation of the FCRA 's requirements of accuracy. 

In addition to the violations committed by the company, the CRAs are just as liable because they did not uphold the requirements of federal law in using reasonable procedures in investigating my disputes, ensuring maximum accuracy and confidentiality. The CRAs conspired with the company to cause financial damage to me.
Product: Credit card

On the morning of XX/XX/year> I was getting gas at a local gas station and used my Chase XXXX XXXXXXXX card. Later on the same day, I received a text from the Chase XXXX department notifying me of an attempted purchase at XXXX XXXX in the amount of {$2400.00}. I was driving at the time I saw the text and was only able to read the first portion which stated that if I were to respond " Yes '' that I would not be charged for the purchase. I responded yes and then put my phone down. A few minutes later I looked at the text again and realized that I responded incorrectly. The rest of the text indicated that the purchase would go through if another attempt was made. The other option was to respond " No '' if I was not the person making the purchase. Once I realized I sent the wrong response, I texted back " no '' and proceeded to call the Chase XXXX department. The operator who I spoke to told me that I would not be charged for the purchase and that my mistake would not make me liable. I locked that card and reported it as stolen. 
About a month and a half later, Chase notified me that because of my original response to the text message, I am liable for the purchase. I then called Chase again, and was told that there would be a " one time exception '' made because I misread the text and that I would not be held responsible for the charge. 
I twas contacted by Chase again the same day and was told that they could not make any exception to the purchase because there is not proof that it I did not have the card in my possession. I was advised to submit a police report with my local police department and reopen my case with Chase XXXX -- this is exactly what I did. Chase has since put the charge on my card, over drafting my account by over {$2000.00}. This caused my XXXX XXXX to drop over XXXX points and they have not yet gave me a decision.
Product: Debt collection

I had an out standing debt with Wellsfargo Bank and they just went into my savings unwilling and collected all of my savings leaving me in a financial hardship. They sent me a letter explaining why they did so I never knew they can do this. Their reason for doing this was called " right to set off ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please address the missing items that have disappeared from my credit report and items appearing that arent mine. I have several trade lines not appearing that are in the attachment that was sent over. Please see the prior credit reports. Please provide a phone number of someone that I can speak with or email. 
Im requesting negative items to be blocked with police report
Product: Debt collection

I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ). This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.
Product: Debt collection

This company Jefferson capital slapped this account on my credit report without first sending a notice of my rights to dispute which is a violation of the fcra they also failed to validate this account just as the company before them that they bought this debt from failed to do so as well. That is a violation of the fdcpa..I called this company to have them remove this information because of these violations and they hung up in my face. This company is practicing illegally and I am ready to file a suit if this account is not removed from my credit file immediately. They will be fined for each violation if they continue to report this false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX  Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.