23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i disput with mcm in XXXX but no response rcvd
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative. Please remove the late markings ASAP.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Portfolio Recovery Associates is trying to take me to court in Massachusetts from a time-barred debt from XXXX. They sent me something recently in the mail that my USPS informed delivery showed which I haven't received yet. I called on Monday morning around XXXX XXXX est Monday XX/XX/XXXX to ask them about it and the customer service agent said they are taking me to court. I mentioned that this debt is beyond the statute of limitations for both Massachusetts and the federal level, but the staff was pushy and scary. I am a citizen who receives XXXX and is trying to get back to working and not be on XXXX with a Massachusetts XXXX XXXX XXXX XXXX. The federal protection consumer bureau has also won a lawsuit against them for their illegal practices. The court case is 2:23-cv-110 in the Federal court of Virginia.

Additionally they tried taking me to court for this debt in XXXX in XXXX XXXX XXXX ( XXXX ), in which they were not able to win a judgement against me as I was on XXXX only at the time. Their lawyer made a court appearance about this debt this past monday ( on an XXXX XXXX XXXX court case ).
Product: Credit reporting or other personal consumer reports

i reached out to the companies that report my information regarding the inquiries on my credit report and the credit bureaus about these inquiries that are showing up on my report that are inaccurate. The following is a list of the inquiries, XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

Please see the previous complain. The issue and the hacked accounts remain open. 
The XXXX XXXX know that the accounts are open ( see attached note ). 

Not only that they are proactively distributing my information to hackers. 

Why are all my accounts not fully closed? 

I have stopped by their office 5 times. Its in XXXX, MI. They will just dismiss me away, very unprofessionally. 


-- -- -- Previous Complain -- -- - ( XXXX ) Identity was stolen and someone opened multiple XXXX XXXX account on my name. 

( XXXX ) Apparently XXXX XXXX has very low standards. So its used by hackers and fraudsters. 

( XXXX ) They used XXXX XXXX to move funds from my XXXX account to XXXX XXXX and then out from there. ( XXXX ) I contacted XXXX XXXX when I saw the issue. XXXX XXXX has not closed my account since then. Contacted them multiple times. Accounts are still open. No help on cyber or risk managment from XXXX XXXX. I stopped by their branch and they dimissed me with an XXXX number. The XXXX number they gave me did not help either. My accounts are still open and the hackers are probably still using it.
Product: Credit reporting or other personal consumer reports

I have XXXX fraudulent/unauthorized inquiries on transunion I checked the transunion and noticed XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XXXX my XXXX report XXXX noticed XXXX fraudulent/unauthorized inquiries from XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX On my XXXX credit report I noticed XXXX fraudulent/unauthorized inquiries from XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV Funding llc continues to send me letter asking me to pay on loan that has been taken off my credit report. They are thereatening to return this loan as 'Active Collection '. 
The account was charged off is XXXX. 
My detailed credit report was pulled in XXXX and nowhere was this loan showed and now LVNV is harrasing me by sending me letters that I owe money.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a pressing matter regarding the inaccuracies on my credit report. Despite submitting the XXXX XXXX bankruptcy discharge documents to your company, I have noticed that my credit report has not been updated accordingly. This oversight has had a significant impact on my financial standing and has hindered my ability to move forward. 

It appears that a thorough investigation was not conducted on my request, as the following accounts have not been reported accurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These errors have caused undue stress and hardship, as I am unable to obtain a fresh start due to the misleading information on my credit report. 

I implore you to rectify these inaccuracies promptly and update my credit report with the correct information. It is essential that the discharged debt is reflected accurately to ensure fairness and transparency in the reporting process. 

I trust that you will address this matter with urgency and professionalism. Your prompt attention to this issue is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax set the username and password to their server in XXXX XXXX as " admin '' and " admin '', got hacked, and now all of my personal information ( name, date, SS # ) has been released.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Checking or savings account

Bill Pay Service with 53rd Bank Effective XX/XX/XXXX, most of our bills are being paid via checks. 

This is causing a delay in our bills being paid on time. Due to late payments, one of credit cards assessed late fee of {$27.00} and another of {$37.00}. 

The checks are taking 1 to 3 weeks to clear. 

Most recently, our auto insurance bill was due on XX/XX/XXXX, the check cleared XX/XX/XXXX. 

We schedule our bill payments up to 5 days in advance of due dates and the funds are always available. 

I have reached out to 53rd Bank on 7 occasions on these 3 different payees. 53rd is only addressing 1 payee. Each time we are requested to provide same information over and over.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Act Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( auto loan ), Act Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( credit card ) Act Name : XXXX XXXX XXXX USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

This is appearing on my credit report from Transworld {$150.00}. & has caused problems for me. Please force them to stop immediately!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

The inquiries listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the inquiries removed from my file. 
XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX, XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Debt collection

I received a letter from a debt collector for XXXX. I do not owe XXXX anything. I called XXXX. I didn't want to call the number on the letter because I didn't trust it is legit. The person I spoke with at XXXX in XXXX XXXX Florida said XXXX does not use debt collectors. She said it is probably a scam. I tried to call XXXX Customer service I was unable to get through due to the voice prompts didn't give this option. I requested to speak by chat on the XXXX Contact page. This chatbot said to contact the FTC. The FTC said to contact the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 I put credit freezes on all three credit reporting companies. XXXX XXXX, XXXX  and Experion because someone opened a XXXX XXXX credit card in my name. That issue was resolved but I was told anytime I need to have a credit inquiry done to call/use website and get a one time passcode/key for the lender to use. Last month because my car was totaled I did that. I got a passcode from TransUnion and Experion and was told to give it to the lenders to be able to access my account. Two very long days, lots of phone calls, frustration and embarrassment, I still could not get any credit. And I have, according to XXXX XXXX, who uses the credit reporting service for their information, a XXXX credit score. I should be able to get credit. Instead when the lenders tried to access my info it looked as if my assets were frozen or seized, compromised or I didn't have any. I ended up having to remove cash from my savings to purchase the vehicle. I still have yet to get any answers as to why this system didn't work or what can be done about it except to completely remove the freeze which I don't want to do. I do not need access that often ( once since 2016 ) so would like the protection the freeze offers, but not the hassle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported the inaccuracies to all 3 bureaus showing it is not consistent. On XX/XX/2020 and XX/XX/2020 XXXX  XXXX/ XXXX reported I was late 60 days both months to XXXX  XXXX The same company reported I was 30 days late both months to Transunion and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in numerous letters to Trans Union to do a simple method of verification on my bankruptcy on my report XX/XX/2020. They have been disregarding the law by not responding after I gave them verified proof of everything they asked for in their response letter which one of the items was a signed letter from the courthouse. I will include in my complaint.
Product: Debt collection

I was contacted via mail by a collection company called XXXX XXXX ( XXXX XXXX XXXX XXXX fl XXXX ) on XX/XX/XXXX and XX/XX/XXXX. After the first letter I called the company ( XXXX ) and left a message stating this was the result of identity theft and I am not responsible for. The letter is for the amount of {$220.00} for a XXXX taken out fraudulently in my name on XX/XX/2019. The letter states that if I do not contact them within 30 days to dispute I acknowledge Im responsible. I did so but calling them as well as contacting XXXX for the second time and speaking with XXXX in the identify theft dept there, XXXX XXXX and the credit dept at XXXX. I send XXXX all the documents needed ( police report etc ). I even had the detective assigned to my case contact XXXX. I was told it would be handled. 
Now I get another letter dated XX/XX/XXXX from XXXX XXXX about the debt I do not owe. I called and left a message on XX/XX/XXXX. I received a call back from XXXX XXXX on XX/XX/XXXX and he stated he has no information from XXXX   that the acct was fraudulent. Ive done my due diligence with this and should not be contacted by XXXX XXXX. At this point its harassment and being the victim of identity theft makes it worse. 
I have also contacts XXXX for the fourth time about why they have not handled this case and I am still being harassed.
Product: Credit reporting or other personal consumer reports

In response to your request to remove adverse information that resulted from being a victim of XXXX, we received the required documentation, removed the information you identified and mailed you a copy of your updated credit report. Should you wish to contact Experian and transunion you may do so. 
15 USC 6802 A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information.

18 U.S. Code 1028A is a federal law that makes it a crime to use another person 's identifying information to commit a felony or terrorism offense. This crime is called aggravated identity theft. 
15 USC 1681b section that outlines the permissible uses of consumer reports. It is part of Title 15, Commerce and Trade.
Product: Money transfer, virtual currency, or money service

A wire was sent to my wife for {$1500.00} on XX/XX/2021 ( note : I have previously wired money successfully to my wife ( XXXX XXXX using the exact information in the past- it was a default drop down on my Wells Fargo online account ). Though the {$1500.00} was immediately removed from my checking account, my wife has still not received the money nor has the money been returned to me. I have made numerous calls within XXXX in last XXXX  days, over XXXX hours of my time, having been transferred to at least XXXX different people- being passed around. I have been told a variety of reasons, including because I used the word florida in my wire memo ( note : we just came back from a florida vacation where my wife was paying associated bills ). I was told to visit a personal banker which I did XXXX XXXX hour of phone calls by the banker to wire operations etc, they still have no answer for me.now over a day later since visiting the banker. At no time has any Wells Fargo employee contacted me about my issue.despite multiple complaints over XXXX days. It is unimaginable how a bank removes my money for a very basic wire transaction and almost a month later has XXXX information on its resolution. I am still out the {$1500.00} and my wife called her bank ( XXXX XXXX  XXXX ) and they assure her the problem is at Wells Fargo end. I fear the problem at XXXX is systemic that should be fully root caused as there was absolutely nothing complicated about my transaction. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX account ending in # XXXX, XXXX - XXXX account ending in # XXXX, XXXX XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX account ending in # XXXX, XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX account ending # XXXX, XXXX & XXXX account ending in # XXXX, XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX  account ending XXXX XXXX, XXXX  XXXX XXXX account ending # XXXX, XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX, XXXX account ending in XXXX XXXX, and XXXX XXXX account ending in # XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.