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

The Credit reporting Agnecies continued reporting the fraudulent information on my Credit Report without proper verification. On XX/XX/XXXX, I requested that the Credit reporting Agencies provide me with documments bearing my signature to prove that the disputes are mine and yet, the Credit Bureaus have failed to provide those documents. On XX/XX/XXXX, I sent another letter emphasizing the importance of the Fair Credit Reporting Act section 605b ( c ) ( 1 ) ( c ) Authority to decline and Rescind. How many letters do I have to send to the Credit Bureaus for them to pay attention to my appeals and remove the disputed items from my Credit File? It seems that the Credit Bureaus have neglected their responsibility to comply with the Federal law and became lazy to take actions and correct my Credit report. I am frustrated by the Credit Bureaus taking no action and negligent of their duties. By submitting this complaint through the CFPB, I am reminding the Credit Bureaus that they are bound to comply to the law and have the fraudulent items deleted from my Credit report immediately. I need the following items deleted from my Credit report : 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 Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit card with XXXX ( seen as XXXX on my credit reporting ), was filed as delinquent during the pandemic through month XX/XX/XXXX through XX/XX/XXXX. During the pandemic I expressed to them that I was furloughed from my job and had many financial hardship during this time and couldnt even make the minimum payment. They agreed that nothing was reported delinquent due to the pandemic but they recommended closing my card and going to a debt-payoff partner they recommended. I agreed. As soon as I closed my card, a few months later I recieved notifications that my credit score was very low due to these delinquent months. I did not agree to this and they were suppose to report my account as current because of the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly ( 60 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Product: Debt collection

XXXX XXXX is trying to collect debt from me for XXXX XXXX and I do not have XXXX XXXX  and have never had them. I have wrote multiple letters saying this account was identy theft and have sent multiple with my signature.
Product: Debt collection

Credence Resource Management is calling me looking for someone I don't even know. I would like them to stop. I have told them it's the wrong number but they called again XX/XX/22 at XXXX XXXX  CDT from XXXX.
Product: Credit reporting

I have disputed a credit card on my CR that is a result of Identity theft. All XXXX bureaus keep reporting info is accurate however they have failed to provide me with the documentation used to investigate. I have contacted the card issuer by certified mail and they have failed to provide me information to verify legitimacy. I have specifically requested documentation from the issuer and all the bureaus none which have sent the information therefore there is no proof that this is my account. I provided affidavits to the CRB and the card issuer and again the CRB wrote contact issuer they may not know how to get a hold of you, however I have sent written correspondence via certified mail 3 x that were received and they have ignored my requests and correspondence for over 90 days. The card issuer XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is really confusing me. The report is charged off yet when you look at the payment history, XXXX  is reporting all OK payments vs XXXX  reporting all CO remarks. How did that came to this? I would like to report this inaccurate report and have this taken out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX the natural person did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. I already filled out a FTC report # XXXX which is attached. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

Account name : Chapter XXXX Bankruptcy Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

For 2 week straight they were charging me XXXX overdraft fees when wells fargo bank has a policy if you deposit to cover bedor XXXXXXXX XXXX same day they won't charge you.
Product: Debt collection

I have been dealing with this company for years and they have yet to accurately verify this account that does not belong to me. I have two open credit cards with the company they claim I have a collection with that were both opened after the alleged collection took place. Surely if this was my account the bank wouldnt have overlooked that twice! 
PORTFOLIO RECOVERY must herein provide to me a True and Certified Original copy of the Complete audit trail under penalties of Perjury of alleged account with their company, pursuant to 15 USC 1692.g of FDCPA. Furthermore, in order for PORTFOLIO RECOVERY to validate the debt please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with BASEL 3 accord and U.N.C.I.T.R.A.L. conventions. I would also need a certified copy of the original contract with my wet ink signature between me and PORTFOLIO RECOVERY, proving that PORTFOLIO RECOVERY is holder in due course of the original debt contract as well as certified original copy of your Tax Registration Certificate. If they can not provide this information I demand that they remove/delete negative account from ALL three credit bureaus as well as stop with any further harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just made aware a hard inquiry was made on XX/XX/2018 was made to XXXX XXXX. This was not authorized by me. I did not request anything on said date. This is fraud. I just want this removed as I did not authorize it.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account Name : Online information service Acct. # XXXX, Account Name : Online information service Acct. # XXXX, Account Name : XXXX XXXX XXXX. # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX. # XXXX, Account XXXX XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX. # XXXX XXXX Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX. # XXXX, Account Name : XXXX XXXX XXXX Act. # XXXX, Account Name : XXXX XXXX. # XXXX, Account Name : XXXX XXXX # XXXX Act. # has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

This company is the WORST I have ever experienced. 

They STILL after 8 months have not been able to identify the problem with logging in with my account to make it easier on my life. 

I have wasted HOURS of my time and STILL NO RESULTS. 

No one has sent me any information. No one has reached out to me. All they have done is wanted their money. 

Customer service rating ZERO out of 100.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to publish fraudulent information on my credit report regarding fraudulent closed accounts. These closed accounts are fraud and I have a FTC report and police report on file. Equifax will not delete these closed accounts listed below : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I used XXXX XXXX to purchase baseball tickets for {$150.00} from an individual on X/XX/17 and did not receive the tickets. I used a Chase debit card. I reported the fraud/scam immediately to  Chase and the charges were initially intercepted and dropped but reappeared a couple hours later and I filed a dispute and was given a temporary credit for {$150.00} but claims dept informed me they are reversing the credit after their investigation, stating that XXXX XXXX denies liability and provided a " service ''. Yes they took my money and gave it to someone else, but I never received the goods promised. I attempted to request a refund from the individual but they denied my requests. Chase should honor their fraud protection guarantee and provide me with the refund as I reported it immediately.
Product: Credit card or prepaid card

On XX/XX/2021, my credit card was fraudulently charged {$2100.00} in a jewelry store in XXXX, XXXX by XXXX XXXX of XXXX XXXX XXXX, XXXX. I was buying a {$200.00} charm from another merchant. I was told my credit card had denied this charge and offered another card. This credit card paid the {$200.00} charge. Several days later I received notice of this fraudulent charge of {$2100.00} from Citi. I contacted them and they cancelled that card, reissued me a new card with the fraud charge on it. I did not authorize or receive any service or product On this charge. Citi has denied this as fraud and as a disputed charge.
Product: Debt collection

I have been working with XXXX XXXX XXXX. According to there records, the current debt has been resolved. I believe the debt collector is opening this account again, so as to get money from me in an illegal manner. XXXX XXXX XXXX has settled this account, so how did LVNV FUNDING LLC get this account. This illegal account has caused my credit score to decrease by over 40 points. I have to pay an outrages interest rate on a new vehicle I purchased. I have done research on this company and found there are a lot of complaints, ranging from harassment to fraudulent credit reporting. The amount they claim I owe is {$3900.00}. Also according to their records my last payment date was XX/XX/19. 
I have not made this payment, which means XXXX XXXX XXXX could be the only way they recieved a payment. According to XXXX XXXX XXXX, if this is an accurate account then the debt is settled. I believe LVNV Funding is trying to get money from XXXXXXXX XXXX XXXX and from me. 
Would you please look into this and find what is actually going on?
Product: Debt collection

A family member owes money to Tower Loan in XXXX, XXXX XXXX They have called me multiple times a week for months. I've asked them to not contact me again but they keep calling me from personal cell phone numbers. I don't personally owe them anything and have asked them to not contact me multiple times. They are only ever supposed to contact me once. They also aren't supposed to say they are trying collect a debt but they have stated that multiple times. The next step will be for me to sue for violating FDCPA.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation of my credit report and found several items on the report that were inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information : ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX Bank : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX Bank : This account is being reported inaccurately, please remove it from my account. 

XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX Bank : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXXXXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX This account is being reported inaccurately, please remove it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : American Express Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Product: Mortgage

PenFed Credit Union did not submit documents to the lawyers office in NC in timely fashion in order to close on scheduled closing date of XX/XX/2021. As a result I had to ( 1 ) stay in a hotel along with son until XX/XX/2021 until documents were sent. ( 2 ) All my house furniture was already enroute to the house for delivery on XX/XX/2021 but closing had not occurred. Had to put all furniture in Public Storage in XXXX, NC garage style unit until closing occurred on XX/XX/2021. In XXXX had to pay for 2 trips to get furniture to residence in XXXX XXXX because it was changed to smaller truck once it left my former residence in XXXX XXXX, MD. I contacted the supervisor of the processor as well as my real estate agent did the same, with no results. I need to be reimbursed for hotel stays and furniture moving expenses from XXXX, NC twice.
Product: Credit card

I made a purchase at my local LOWE 'S XX/XX/year>. The amount allowed me to take advantage of zero percent financing for two years. After I received my third bill, for XXXX, I noticed a charge for {$1.00} with no explanation why. I called the credit card company and was told letters were sent out in XXXX XXXX XXXX saying they would charge {$1.00} for receiving paper bills. I never received that letter. I was then told by not only the 1st person I spoke with, but her supervisor as well told me the only way to remove that {$1.00} was to sign up for paper-less billing. I would rather receive paper bills but don't think I should have to pay for them.
Product: Credit reporting or other personal consumer reports

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the XXXX XXXX during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the XXXX XXXX or do not belong to me.
Product: Debt collection

I am receiving no less th an 3 to 4 calls a day from PMAB, who  claim that I owe money for a hospital bill form 4 years ago, that has been paid. I have even sent them a copy of the paid bill, and a copy of the deletion letter they sent to me and the credit bureaus to remove the old debt form my reports. NO DICE. They keep calling.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which which violate the ( Cfpa ( Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable AND UNPROTECTED. 

furthermore, THEIR DISPUTE RESOLUTION PROCESS WAS UNFAIR AND DECEPTIVE, AS THE DID NOT CIMPLY WITH ERROR RESOLUTION REQUIREMENTS UNDER THE ELECTRONIC FUND TRANSFER ACT AND REGULATION E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I have a XXXX account with a lot of sensitive financial information. Out of nowhere they deactivated my account and will not reopen it or give me any reason why. I need access to this account to monitor my finances. This is causing me serious hardship.
Product: Debt collection

In XXXX  I dispute a collection from XXXX with evidence that I paid the full bill. All credit came coed removed the collection. Two years later it reappeared on my report as past due in collection for months and dropped my credit scores. I disputed it with XXXX and XXXX but they sustained the amount because my email receipt no longer supported the new amount the collection agency requested. I then asked the collection agency again for their right to assume my debt and they said they mailed it to my XXXX  address the refused to send anything else without a payment. I sent this information to the credit bureaus and quickly refused my dispute again. I ended up not getting a home I wanted because my credit dropped to a point that my loan terms was impacted. I then decided to pay the {$870.00} collections and the expedited payment process totaling $ XXXX dollars and they information was removed a month later.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

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

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

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