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

I recently reviewed my consumer reports and found that there are 23 late payments listed for an account on which I was never late. Consumer reporting agencies play a critical role in ensuring that consumer information is reported with the highest level of accuracy. For the accounts mentioned in this complaint, I have attached screenshots showing that I have never missed a payment on the dates in question [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ]. I request that you investigate this matter and provide statements proving these payments were late. If such proof can not be provided, I insist that these payments be corrected to reflect that they were made on time as agreed, as I have never been late. Thank you. Please see the attached screenshots.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information ReferraXXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Debt collection

Been threatened multiple times of lawsuits. Challenged multiple times the debt for accuracy never received any kind of documentation stating that these debts are mine. Try to make a deal with one of the companies followed my end of the bargain they did not follow theirs. Even the ones that resulted in the deletion on my credit somehow reappear. These companies are definitely violating the rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently gotten a copy of my credit report through XXXX XXXX and I have notice there are some collection accounts listed on my credit report that doesn't belong to me. I never applied for any of these accounts. These fraud collection accounts are hindering be from gettin approved for things. I never applied for these loans and fall back on the payment. These accounts don't belong to me and I ask they are remove from my credit report asap. 
ACCOUNT DATE OPENED BALANCE XXXX XXXX XX/XX/XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$6900.00} XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XX/XX/XXXX {$0.00} Inquiry -XXXX XXXX
Product: Vehicle loan or lease

Payoff of my lease with US Bank was sent on XX/XX/XXXX to US Bank address listed on the written payoff statement. The payment was received by US bank on XX/XX/XXXX. The dealer has written confirmation of delivery and receipt of the payoff check. I have called several times to verify and confirm the payoff was revived and applied. each time I was told by the US bank customer service person that they have no record of receiving the payoff check. I believe they have intentionally stalled in applying the payment to my account. Costing me money and threatening my excellent credit standing. They are liars and committing fraud.
Product: Credit card or prepaid card

On XX/XX/2019 I had a XXXX XXXX credit card issued by Chase Bank. I was charged the annual fee of XXXX dollars. I paid this amount. About 10 days later my account was frozen and then chase decided to close my account. I believe they committed fraud as my credit history couldn't have gone from giving me a credit limit of XXXX dollars to closing my account in less than 3 weeks. I would like a refund of the annual fee go towards my account balance or my account reopened.
Product: Credit reporting

Who is monitoring how they decide on our credit rating? I do not understand how I can get denied for numerous car loans because of hard credit checks ( per equifax agent ) which where from the car loan inquiries. How can they be allowed to destroy a persons credit without being regulated. My boyfriend has a better credit rating and he filed bankruptcy a few years ago and all I have is XXXX medical bills that I am paying on in collections and I have a credit account in excellent standing. How does that make me a risk for a car loan? Seems to me the credit industry is in there pocket. Maybe they intentionally give us low scores so the credit industry can hike our interest percentage. The worse your credit the higher they can hike your percentage. See attached credit report from XXXX and tell me how I am a risk for a car loan?
Product: Credit card or prepaid card

On XX/XX/2021 we booked three tickets from XXXX XXXX to XXXX ( XXXX ) via XXXX XXXX. Travel Dates ( XXXX to XXXX ) The ticket was booked using my Citi XXXX  Credit card points and the remaining balance was paid through Citi Costco Visa Card . Total of XXXX Points + {$2200.00} USD. 

The trip id is XXXX. Airline Reference # is XXXX. XXXX Reference Number is XXXX. 

The passenger names are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

The issuing company was citi XXXX  and is called XXXX  XXXX  XXXX  for XXXX  XXXX  ( XXXX / XXXX ). 

The tickets were fully refundable. 

Due to increase in covid and cancellation to travel back from XXXX, we were not able to take the flights and had cancelled the reservation before the travel dates. 

We have been following with XXXX  for the last 5 months and every single time they say that the amount will be refunded in 1-2 billing cycle. 

This is a large amount and have not been able to get the proper refund. 

I followed up today with my Credit card company and because the transaction has been over 6 months, unable to put it into dispute also. 

Please note that my husband had a separate ticket with XXXX XXXX  and the full refund came into our account more than 3 months ago. 

Please help in getting our full refund. 

Today when the agent said this call is getting recorded, I did tell that I am also recording the call, and she hung up. This is unfair and would really appreciate if you can get us our full refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 
XXXX XXXX XXXX XXXXXXXX The credit bureau state my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last report is not act. This ground for removal they also violated my right under 15 u.s.c 1681 section 602 a state I have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish accounts without my writing instructions
Product: Debt collection

I have sent 2 letters requesting information to prove this debt belongs to me. After 90 days, no reply.
Product: Debt collection

On XX/XX/XXXX, and XX/XX/XXXX, I was contacted by collection management company phone number, ( XXXX ) XXXX, about a supposed debt from XXXX XXXX. Both times, I have requested validation of debt. I have not received anything in writing showing proof of debt. According to my credit report, they added the collection to my report. This is illegal due to the company not validating the debt from my request. I have contacted this company today and they refuse to acknowledge my rights.
Product: Credit reporting or other personal consumer reports

The late payments listed do not correspond with my typical payment history.
Product: Money transfer, virtual currency, or money service

On or around XX/XX/2020, Bank Of America allowed a wire transfer from my account ending in XXXX to transfer in the amount of {$20000.00} to be transferred to XXXX XXXX  located in XXXX. Then again on XX/XX/2020, a second wire transfer from the same account, for the amount of {$23000.00} to be sent to XXXX XXXX  in XXXX. Both of these transfers were done fraudulently via romance scam. Bank of America allowed these funds to be cleared for wire transfer though the amount had hall marks for fraud. Bank of America demonstrated poor practice in allowing fro both wire transfers to be go through to the bank in XXXX, thus Bank of America allowed me to be victimized by this scam.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am reaching out to report a concerning experience I am currently having with Portfolio Recovery Associates. They have been repeatedly contacting me at various times throughout the day, demanding payment on a debt that I do not recognize or believe to be mine. This persistent contact has become harassing in nature and is causing me significant distress. 

I have requested that Portfolio Recovery Associates provide documentation to validate their claim, specifically : 1. A purchase agreement showing their ownership of the alleged debt.

2. Supporting account documents that verify the debts legitimacy and my association with it. 

Despite my requests, I have not received any documents that substantiate their claim, nor have they ceased their collection efforts. I am concerned about the legality of their actions and their lack of response to my request for proper verification. 

I kindly ask for your assistance in addressing this matter to ensure that Portfolio Recovery Associates complies with regulations and that my rights as a consumer are protected. 

Thank you for your time and support in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transUnion to remove this inaccurate information and they responded by saying it was verified and would remove on my record and it was not verified please remove this information or provide the court that provided this information but the court does not supply information to the credit bureaus. Please remove from my pubic record. Its a violation of the FCRA LAW.
Product: Mortgage

On XX/XX/XXXX I got a mortgage on my Mom and Dad 's home to help pay debt. The loan paid of some debt and the rest covered the mortgage. The loan was with my parent 's bank XXXX XXXX XXXX XXXX XXXX. The mortgage was for : Principal and Interest {$740.00} Flood insurance XXXX Mortgage Total : {$790.00} **Please note that hazard insurance, PML/FHA, Taxes and other were NOT apart of the loan as my parents are on fixed incomes and could NOT afford it. I pay their taxes and homeowners insurance seperately as I have proof of that. 

XXXX sold the mortgage to XXXX who at one time tried to collect the escrow for taxes and homeowners, but I sent them the original loan documents and they corrected it immediately. 

XXXX sold the loan to XXXX XXXX XXXX and since XX/XX/XXXX, I have been trying to get the to stop trying to take the escrow for Taxes and homeowners. They have received proof that I pay the taxes in XX/XX/XXXX of every year and this covers the payment due in XX/XX/XXXX and XX/XX/XXXX, I have also sent them records that I pay the homeowners quarterly. I was originally told to just pay my original amount until they get it straightened out, So that is what I did each month I pay the payment of {$790.00}, then in XX/XX/XXXX they put payments in suspense, moved our payments to escrow and made it look like we were late on payments. Finally in XX/XX/XXXX I talked with another supervisor who said once I paid the amount of {$3600.00} which would bring account current ( even though we were current but they were putting our payments elsewhere ) the problem would be fixed within a week and we would get the escrow money back ( WHICH WAS MONEY I WAS GOING TO PAY TOWARDS MY MOTHERS FUNERAL EXPENSES SHE XXXX XX/XX/XXXX ). But again they lied and refuse to abide by the original mortgage loan. I have provided them with all 3 years of tax payments, documentation to show that I also pay homeowners. XXXX county also always returns their money to them and they have a note not to accept their payments. Now it is XX/XX/XXXX and they expect me to pay a payment of over {$1100.00}, which is way more then my Father has from is pension. WE DESPERATELY NEED HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off several debts over a year ago. The credit bureaus are still reporting them in a negative way. It is sayin too many delinquents, when there is no delinquents. It had caused me many denials, ans large deposits fir things. I have disputed over and over. It is emotional distress at this point.
Product: Credit reporting or other personal consumer reports

i recently check my XXXX credit report online and I notice a XXXX bill that was opened on XX/XX/2022. this account was opened without my knowledge or permission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Subject : Opt-Out Request Pursuant to 15 U.S. Code 6802 Section C and 12 CFR 10167.7 Dear ________________Consumer Assistance, I am writing to formally request that you cease and desist from including my consumer credit information in any prescreened lists provided to third parties for the purposes of extending credit offers, pursuant to the provisions outlined in 15 U.S. Code 6802, Section C. I believe this request is well within my rights as a consumer, and I trust that you will promptly adhere to this directive.

Enclosed with this letter is a certified Uniform Commercial Code ( UC ) 11 search, providing evidence that there are no outstanding liens against me from any of the following Information : All hard inquiries All Public records All Collections accounts All late payments No one has the authority or my written consent to report by law.

This document serves as confirmation of my financial standing and further supports my decision to exercise my right to opt-out under the legal provision.

I would like to draw your attention specifically to 15 U.S. Code 6802, Section C, which states : " C ) Opt-out. A consumer shall have the ability to prohibit a consumer reporting agency from making any prescreened solicitation to the consumer with respect to any transaction that is not initiated by the consumer, by notifying the agency in accordance with procedures established under subsection ( e ). '' In accordance with the law, I hereby notify you that I am opting out of any prescreened solicitations with respect to transactions not initiated by me. I expect you to promptly process this opt-out request and ensure that my consumer credit information is not included in any prescreened lists provided to third parties.

Furthermore, I refer to 12 CFR 10167.7, which outlines the procedures for consumers to opt-out of prescreened solicitations. I request that you adhere to these procedures and confirm in writing that my opt-out request has been successfully processed.

Please send confirmation of my opt-out status to the address listed above. If there are any additional forms or information required to complete this request, kindly provide those details promptly.

I appreciate your prompt attention to this matter and expect you to comply with the legal provisions mentioned herein. If you have any questions or require further clarification, please do not hesitate to contact me at the phone number or email address provided.

Thank you for your cooperation in this matter.

Sincerely, Enclosures : Certified UC 11 Search
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive spoken with each credit reporting agency about this matter. They was suppose to be removing inquires within XXXX hrs and mail updated copy of my report which none of the companies did. Which is a violation of my rights. 

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: Credit reporting or other personal consumer reports

i am filling this complaint regarding an inaccurate item on my credit report that continues negatively impact my credit despite my effort to resolve this directly with the reporting agency, it remains unresolved. I Request immediate investigation and removal of this item, as is it incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the following accounts : XXXX  XXXX XXXX  XXXX  # XXXX XXXX  XXXX XXXX XXXX  # XXXX Please provide method of verification with physical proof. As I was never late on these accounts.
Product: Debt collection

I looked at my report on XX/XX/2024 and noticed some things are not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure possible accuracy of the information concerning the individual about whom the report relates. 

I C SYSTEM is reporting on my credit to all XXXX XXXX XXXX. This company is not licensed and bonded in my state of South Carolina to collect from me.
Product: Credit card or prepaid card

On XX/XX/XXXX of 2020, I settled my credit card with TD Bank. I received a letter confirming my settlement and the amount of settlement was {$3100.00} to be paid in 3 equal payments of {$1000.00} with first payment due by XX/XX/XXXX, 2nd payment due by XX/XX/XXXX and 3rd payment due by XX/XX/XXXX. All three payments were made as agreed by the due date. As per office of admin recovery call I received today, TD decided to go ahead and sell the remaining balance to a collector and charge it off. Attached are the settlement letter and proof of 3 timely payments
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my XXXX XXXX Account ... Capital One made a " Hard Inquiry '' sometime between the dates of XX/XX/19 - XX/XX/19. 
Ive never given them my personal Information or have I ever done business with them. 
I would like this Inquiry removed from my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, resulting in fraudulent accounts and unauthorized inquiries appearing on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted : Fraudulent Accounts : 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 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: Debt collection

USAA Bank is reporting two accounts under my previous name that are both a result of identity theft. i originally notified the company almost 4 years ago of these fraudulent accounts but still nothing has been done. I have sent this information in time and time again. I once again am including my court orders and police report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Credit card

I have a J C Penney account. My last XXXX orders have been cancelled without any explanation. I have called to speak to them and now I have been given or transferred to XXXX different XXXX numbers all with XXXX speaking people who have not answered my questions. I was told with each I would be able to do a survey on the call and was never given a chance to do the surveys. I would like an answer. I tried to call another number which was given to me by the .com number to my credit card company, this number was actually the first number I had called. XXXX.
Product: Credit reporting or other personal consumer reports

Complaint : As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per I5 usc1640. 
Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. XXXX XXXX XXXX XXXXXXXX XXXX XXXX requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit & quot ; report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. XXXX XXXX XXXX XXXX XXXX XXXX requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer XXXX XXXX XXXX XXXX XXXX XXXX requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorney XXXX XXXX XXXX XXXX XXXX General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Debt collection

Client Services Inc. Calls every 3-4 days without permission. This violates the public law 104-208,110 Stat. 3009 Subsection 805 [ 15 USC 1692c ] ( a ) which states : Without prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.