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

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXXer 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Mississippi XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDXXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX  XXXX XXXXXXXX {$2900.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I urgently urge you to promptly remove the unauthorized accounts from my credit report, as I did not authorize them and they are causing me XXXX distress. Please rectify this error swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. 
Please block the items in my credit report that resulted in identity theft. These items are erroneous and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have a credit card with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE with no successful resolution. XXXX, XXXX, and XXXX only reporting me 120 days late payments. There was an error on their part. I was never 120 days late.
Product: Debt collection

Never received any written information about supposed debt. Never heard of this company. The company they're claiming the debt is from is closed, and they subsequently can't verify the debt in the first place. This debt is supposedly only a few months old from a company in Arizona, but we haven't lived in Arizona for 3 years. The last time I went to any sort of medical facility in Arizona was 5+ years  ago which is beyond any statute of limitations for medical debt. There is no possible way this debt is mine, but it is being reported to the credit bureaus. They aren't legally allowed to report it if we haven't been notified in writing of the debt.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX  days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX 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: Credit reporting or other personal consumer reports

The information listed on my credit report is erroneous which is against state and federal law. According to FCRA you are only to report accuracies on my credit report. This account is aged and past the statute of limitations which is seven years. Conns continues to keep adding this account to my credit report every other month. This account was opened in XXXX and wrote off by Conns in XXXX. I am requesting a civil liability for willful noncompliance ( 15 U.S Code 1681n ).
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose  In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several packages certified mail with the following documentation requesting my credit reporting statutes be enforced. 

My credit report I received from your company. The fraudulent items are circled. 
A copy of my Police Report Identity and FTC Affidavit. Proof of my identity and utility bill.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within 4 business days. 

Experian refuses to block fraudulent items from my credit report. My credit reporting statutes must be enforced if sufficient information is provided under FCRA605b. There is also a medical collection on my credit report. or them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Implied consent was never given on my behalf. Therefore, my request is twofold validation of debt and HIPAA authorization. I have asked Experian to validate the debt and received no response. Also, code 15 USC 1692g states no one can verify an alleged debt but the original creditor which is me ( XXXX XXXX XXXX ). Receiving a verified and refusing to block an item is unlawful. 

Experian refusing to remove this information immediately is a violation of the following : Per public law 104-191 Sec 1177 this is a violation per 15 USC 1692e ( 2 ) ( A ) ( iii ), 15 USC 1694f ( 8 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( iii ), 15 USC1692 ( k ). 

I have attached proof the items were delivered successfully, and Experian just refuses to support my credit reporting statutes. I fully intend to make sure this matter is cleared up and mt credit reporting rights are enforced.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act. 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, Account number : XXXX, Account Name : XXXXXXXX XXXX XXXX Account number : XXXX Account Name : XXXX, Account number : XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX has violated my rights. 


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

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

15 U.S.C 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 year.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. urate.
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by LVNV FUNDING LLC, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. 

**Lack of Opportunity to Dispute Debt** Despite being approached by LVNV FUNDING LLC , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand LVNV FUNDING LLC, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that LVNV FUNDING LLC , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Credit card

I have attempted to log on wells fargo to make a credit card payment since XXXX 2016. The reps continue to tell me they can not help me to access online banking even after I provide numerous security and personal information. When asking for contact information to manager he stated he was the highest level supervisors present, I clarified I wanted to speak with his manager who he reports to, he said he was not available and provided me only a name and no contact information. XXXX then asked me a series of questions, I spent XXXX minute with a supervisor, XXXX from the XXXX call center, who would not provide an id number. He had me provide XXXX of my last payments, social, old and new phone number. They state I must have my credit card number, expiration and XXXX digit code to proceed and to call wells fargo back when i have it. XXXX did offer to send me to other departments for to attempt to make the payment. After XXXX minutes XXXX transferred me to credit card services. He stated there may be a longer wait time, I asked XXXX to wait on the line so I was not disconnected, XXXX hung up, transferred me to XXXX who was unsure why I was calling. XXXX provided my minimum due and payoff amounts. I spent over an hour on the phone with no resolution. I still am unable to access my accounts online, I am now unable to see transaction history nor receiving statements.
Product: Checking or savings account

We have been attempting to access my online account to download two months bank statements needed to rent an apartment. Every time we call Direct Express we are told that someone from tech support will call us back withing XXXX hours. Yet, no one calls us back. We are about to lose this apartment because Direct Express refuse to do their jobs. The bank changed their website several months ago. The information on the new site says that if you are not using their app, you have to change your User ID and Password, but when you try to do that, the system claims the card is already registered. When we try using the old User ID and Password, it tells us to call the Direct Express Customer Service number. There is an option on the menu for website support, but all they will do is turn in work order that is never responded to. We are about to lose this apartment.
Product: Credit reporting or other personal consumer reports

I am disputing the following accounts because they do not belong to me and appear to be the result of identity theft. I did not open, authorize, or use these accounts, nor did I receive any goods or services associated with them. Despite my efforts to address this with the companies involved, the accounts remain on my credit report. 

XXXX XXXX ( XXXX XXXX ) : XXXX XXXX is reporting a collection for services with XXXX that I did not authorize. I never opened an account with XXXX, nor did I receive any notice or bill. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) : This account does not belong to me. I never initiated utility services with XXXX XXXX or any related provider. I believe my personal information was used without my consent to create this account. 

XXXX XXXX XXXX XXXX XXXX XXXX ) : This debt is incorrectly attributed to me. I never signed up for any services with XXXX XXXX. Attempts to contact XXXX XXXX XXXX for clarification have not been successful. 

XXXX XXXX : A vehicle loan account is listed under my name, but I did not apply for or finance a vehicle through XXXX XXXX. This fraudulent account is impacting my credit, and I am requesting its immediate removal. 

XXXX : I do not have, nor did I ever open, a XXXX credit card account. This account appears to be fraudulent. 

XXXX XXXX XXXX XXXX : XXXX XXXX is reporting an account that I did not open. I have never had any financial relationship with XXXX XXXX, and I suspect identity theft in this case. 

TD Bank : TD Bank is listing a credit account with late payments under my name. I did not apply for any accounts with TD Bank, and I believe this is the result of identity theft. 

In addition I have never lived at this address XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Actions Taken : I placed a fraud alert on my credit reports. 
I filed a police report for identity theft. 
I submitted a dispute with the credit reporting agencies and contacted the companies involved, requesting the removal of these accounts. 
Despite my efforts, these accounts remain on my report and continue to harm my credit score.

I am seeking the Consumer Financial Protection Bureaus assistance in ensuring these fraudulent accounts are removed from my credit reports. I also request that these companies investigate and provide a response regarding the fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Re : XXXX XXXX XXXX Account XXXX ( partial ) violation must DELETE Since XX/XX/XXXX, I have been requesting sufficient proof in the file on a debt XXXX XXXX XXXX claim I owe. I have sent multiple letters to XXXX XXXX XXXX demanding sufficient proof within ( 30 ) days on this account they continuously ignore my yet update with the credit reporting bureaus. In accordance with FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. Since they failed to respond to me directly, I asked them to provide sufficient proof using all ( 3 ) credit reporting bureaus XXXX XXXX XXXX has failed again to provide sufficient proof but updated XX/XX/XXXX which is a clear violation of FDCPA 809 ( b ). I demanded all ( 3 ) credit reporting bureaus to 1. Reinvestigate inaccuracy 2. Provide results. have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a consumer reporting agency is disputed by the consumer the agency shall, free of charge conduct reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current information or delete the item before the end of 30 days on which the agency receives the dispute of the consumer, they failed so this must be deleted immediately. 
have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a in accordance with ( 2 ) violation listed below
Product: Credit card or prepaid card

I had three accounts with Synchrony Bank ( CareCredit, XXXX XXXX, and Amazon ), two if which had a {$0.00} balance. In the month of XX/XX/XXXX, they closed my accounts without any notice, and only one letter for one account with an explanation of 'payment ' issue ( which were not an issue ). I reached out to each to each company for an explanation as to why the accounts were closed. The result was that they pulled my credit and stated ; a lack of real estate secured loan information, too many revolving accounts with high balance compared to credit limit, too many bank cards with high balance compared to credit limit, unpaid collections, and number of inquiries was a factor in determining score. I have kept a very watchful eye on my credit reports and these factors stated weren't relevant at the time of their assessment. My scores have dropped by over 100 points with each bureau because my available credit limit decreased, there were derogatory remarks about accounts closures, and my overall debt to available balance increased. I also had an account with them closed in XXXX ( Mattress Firm ), I was previously assuming due to inactivity. I will be cautious in the future to make sure that I do not open any lines of credit with Synchrony anymore. Their company structure isn't consumer friendly unless you're consistently indebted to them.
Product: Credit reporting or other personal consumer reports

The credit bureaus Equifax, XXXX and XXXX have failed to prove that the debt in my credit report is in my name. I have sent multiple dispute letters without resolution and I would like them to remove the incorrect information that is in my credit report and only report what should be under my legal name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 inquiries made on my report from loans and credit card applications that I did not make. Someone had stolen my identity and I didnt realize it until I received a capital one card that I did not apply for I then called and canceled the card and started to see notes about loans being applied for and made a XXXX report to see what all was created. I noticed they was all made on XXXX and the accounts are as follows XXXX XXXX, XXXX, Capital One Bank USA NA , Capital One US card XXXX and XXXX XXXX. I would like these marks removed from my account and the amounts closed please.
Product: Debt collection

I received a letter in the mail from you recently specifying that I owe your company or who ever your company represents for an alleged debt. 
The date of the letters is XXXX, the account number on the document is XXXX and the alleged amount owed is XXXX. 
I am as a result of this requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. If you need to please contact the creditor to obtain verification of this alleged debt. 
Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am at this moment instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 
Your next contact with me should be to either notice that the creditor has failed to verify the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. 
I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. Also, you may not contact me by phone at work or my home about this collection activity. All future correspondence should be sent to me in writing.

Please acknowledge that you have received this notice within 14 days. 
Sincerely, XXXX XXXX XXXX Please send your written response to my address of XXXXXXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I Submitted on XX/XX/year> at XXXXXXXX XXXX XXXXXXXX a request to transfer {$200.00} to a friends bank account in XXXX ( she was in the room with me & saw the Note that read it could take 3 days to deposite to her account. ) that was unacceptable. I read the cusomre rights notice " You can cancel for a full refund anytime unless the funds have been picked up or deposited. " I couldn't find a cancel button, So I called with in 5 minutes from the time i submitted my request. around XXXX. The gentleman who answered said he wasn't sure if he could cancel, but he would put me on hold an find out. When he got back on the phone he said he was able to cancel that trasnaction but it could take up to XXXX business days to be refuned to my check card. with that transaction canceled by XXXX, i then submitted a request XXXX for {$200.00} transfered to carabean express for cash pickup which stated it would be ready for pick-up at XXXX. But my earlier bank deposite transaction never got canceled. they say it's because it was on it's way to the bank when i tried to cancel but the reciept shows the bank didn't recieve that money until XXXX hours later at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi how are you safe I hope Im filing my complaint against. Experian every time I check my credit score it dont never change and that causes me problems. XXXX and XXXX. I have fair scores Experian always poor why. Thank you hope you find out why