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

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency XXXX refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have submitted written instructions to XXXX on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including experian, XXXX, transunion, and XXXX as well as all the issuers of the fraudulent reported accounts. XXXX has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how XXXX is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can XXXX explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and XXXX is doing the complete opposite. I have attached a XXXX credit bureau report which clearly shows that XXXX  XXXX, and transuion are all reporting different, inaccurate, and fraudulent information on all XXXX credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these accounts, incorrect personal information, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to XXXX but have yet to receive a response. Please find attached : XXXX. Letter sent to XXXX XXXX proof of identification 3. US Dept of Justice complaint XXXX. Federal Trade Commission Identity theft complaint XXXX copy of XXXX bureau credit report displaying inaccurate reporting of information by all XXXX major credit bureaus
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX ( {$6200.00} ) XXXX XXXX  : # XXXX ( came back as fraud shows as a repo on my report ) XXXX XXXX XXXX ( AutoLoan No XXXX # {$10000.00} ), # XXXX {$570.00} credit card ) all of the accounts listed above have 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was part of the Equifax data breach. And a lot of my information has been misused. And I need someone to let me know my options thx in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute letters to challenge this accounts reporting on my credit. I sent letters on XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$4500.00} {$0.00} 5.60 % XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX {$2400.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} {$0.00} 6.00 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} {$0.00} 6.00 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3600.00} {$0.00} 6.00 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} {$0.00} 3.40 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2600.00} {$0.00} 4.50 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} {$0.00} 3.40 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  {$4500.00} {$0.00} 5.60 % XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$2000.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$2400.00} {$0.00} 6.80 % XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has illegally obtained my personal information and has been trying to gain access to credit, I now have several accounts and inquiries that were fraudulent done without my consent and now reporting to my credit report on all 3 major reporting credit bureaus these inquiries have significantly dropped my score and negatively affecting my putting me in a financial hardship they need to be deleted as they were not authorized and illegal without my consent
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

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

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

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: 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. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.. XXXX attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report and the bank 's records ( learned through more research both parties require ). 

( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Debt collection

Someone opened a account in my name> I notified the company that i have never had a account with them. I was also protected through Covid protection with my real creditorsas they would have also had to follow the Covid guidelines & nothing was to be reported to my credit. But this company reported ( 5 ) accounts that are not even mine. I have never received any letters or call. I don't have a contract with Affirm or any accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}. Please update. I'd appreciate it if you could update this reporting account as soon as feasible. Account should be rectified as soon as possible if you do not comply with the instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing negative items on my report for months I have not received how these items was validated on my account and these recent reports have not fixed my problems please look into my reports and correct these issues it has been more then thirty days as well
Product: Credit reporting or other personal consumer reports

Dear Dispute of Inaccurate Late Payment Reporting - Account Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subiet : Request for inacurete late payments base on FCRA sp ecifically 15 USC 1681.

I Am Writing To Dispute The Inaccurate Reporting Of Late Payments On My Credit Report, Specifically Concerning The Accounts Referenced With XXXX XXXX XXXX XXXX XXXX Upon Thorough Review, I Have Identified Discrepancies In The Reporting, And It Appeary That There May Be A Violation Of The Fair Credit Reporting Act ( Ecra ) As Ouflined In 15 US.C. {$1600.00}. The Reported Late Payments On The Aforementioned Accounts Are Inconsistent With My Payment History. To The Best Of My Knowledge And Records, I Have Consistently Paid These Accounts On Time, In Accordance With The Agreed-Upon Terms Reference To PAANL ( Paid As Agreed, Never Late ) : The Termy Of Our Agreement Have Always Been Adhered To, And The Accounts In Question Should Reflect A Status Of " Paid As Agreed, Never
Product: Credit reporting, credit repair services, or other personal consumer reports

I became XXXX XX/XX/2015, Been on total XXXX and receiving Social Security. 
I applied for student loan forgiveness and submitted all supporting documents sent by the Federal Student Loan Forgiveness to XXXX  ( my student loan holder ). 
My application was received and accepted by XXXX and received notifactions from them that my sudent loan was dismissed in total due to my XXXX. XXXX still has not removed this from mum credit which has effected my credit score negatively. 
My student loan was accepted and approved through the Federal Student Aid/Student. Loan Forgiveness Program. XXXX also notified me my application was approved, would be dismissed and removed from my credit report.
Product: Money transfer, virtual currency, or money service

I registered for the PayPal promotion at https : //www.paypal.com/us/webapps ... XXXX on XX/XX/XXXX. 

The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/XXXX, but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of 5-7 business days has now passed, and PayPal has not credited the reward. 

I contacted PayPal support, who has been unable to resolve this issue. First they denied me I didn't make the 3 purchases on the participant merchants. I replied them that I made the 3 purchases on XXXX which is one of the participant merchants. Then they denied me again that I didn't save the promotion which I did.
Product: Debt collection

During the time that this recent XXXX XXXX account was established, my wife and I, along with our XXXX children were living in a rental home. We were paying our honest debts on time until I was laid off my job of 15 years. My wife, a XXXX XXXX Veteran, worked but it was still not enough to keep us from hitting hard times. In XX/XX/XXXX, we moved in with relatives to pay off bills we had fallen behind on and to save in preparation purchasing our own home. During the move, I had the power turned off in XX/XX/XXXX but in the midst of life, I forgot there was going to be a remaining balance. Since returning to the workforce, I have made every effort to pay off my debts and rebuild my credit worthiness in order purchase and close on our home. Then in late XX/XX/XXXX, my lender discovered that I mistakenly had not paid off one of the XXXX XXXX account that was placed in collections with Helvey & Associates , INC. Once I heard this, I made it my priority to pay this debt off as I did to the older debt in XX/XX/XXXX. I spoke with a male customer service representative on XX/XX/XXXX and stated that I needed to pay this debt and have it removed from my credit reports. He then stated that a removal could be negotiated with the full payment. I then explained to him I would be able to pay it on XX/XX/XXXX, he then stated that I needed to call back and discuss my credit needs once the payment is received. I did not write his name down ; I should have kept better records regarding this account. 
Nevertheless, I know the payment with XXXX XXXX was my responsibility and I am not attempting to justify this breach of my customer agreement with them ; I am simply asking Helvely & Associates , INC. for a courtesy gesture of grace and goodwill in having the credit bureaus remove the negative trade line associated with account and or the old account from XX/XX/XXXX from my three credit reports. We are still living with relatives and need our own home but this company has been a hindrance in moving forward after they stated they would have remove the debt once paid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute certain unauthorized and fraudulent inquiries on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure that my credit report includes only accurate, verifiable information. 

The inquiries I am referring to are as follows : XXXX XXXX XXXX XXXX 

I have looked over my records and have let you know that I did not authorize these inquiries. According to** Section 1681b of the FCRA**, an investigation can only be made on my credit report when I give consent or in certain other circumstances. It is clear that these inquiries do not meet those requirements and, therefore, should not remain on my credit report. 

Under **Section 1681c-2 of the FCRA**, any inquiry that is made without proper authorization is considered unauthorized and should be removed immediately. Please investigate and remove these inquiries from my credit report as soon as possible. Please provide me with written confirmation of your actions. 

If you can not remove the inquiries, I request that you provide me with detailed information on how these inquiries were made, as well as any supporting documentation. 

Please find enclosed a copy of my credit report highlighting the unauthorized inquiries, along with a copy of my identification for verification purposes. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to bring to your attention a serious issue that I have been facing with the Consumer Financial Protection Bureau ( CFPB ). I have filed over XXXX complaints with the CFPB regarding violations of my rights as a protected consumer, but unfortunately, all of my complaints have been closed without any resolution. 

I believe that the CFPB is blatantly violating my rights as a consumer and ignoring the complaints that I have filed. I have done my due diligence in reporting these issues, but it seems like my efforts have been in vain. I am extremely disappointed and frustrated with the way my complaints have been handled by the CFPB. 

I demand that the CFPB investigates my complaints thoroughly and takes appropriate action to resolve the issues that I have reported. I expect the CFPB to provide me with a fair and just resolution to my complaints, and to take steps to prevent similar issues from happening in the future. 

I would like to request that you take immediate action on my complaint and provide me with a written response indicating the steps that have been taken to resolve my issues. 

Thank you for your prompt attention to this matter. 

PS. Because you all haven't assisted in the matter i can only assume my negative items are identity theft
Product: Credit reporting or other personal consumer reports

Late payment reports which volate 15usc1666b and is damaging my report to keep my financial livelihood at risk. Company hasnt credit balance according to CFR 1026.11 see attached document
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is continually reporting inaccurate information to the 3 credit bureaus without providing sufficient information and validation of the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want you to verify this debt as i don't have any accounts with you? if proven unverifiable please remove this account from my credit report as soon as possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit is being used inappropriately without my consent and against my XXXX XXXX by XXXXXXXX XXXX who somehow prove to these credit agencies they are not in error when it's reported that I am Full Faith In Credit and I have discharged my debt with my original mortgage company and don't hold or have a contract with any mortgage company furthermore all DEBTS AND INTEREST BELONG TO ME THE ENTITLEMENT HOLDER.
Product: Mortgage

I had set up automatic payments with my mortgage specialist XXXX XXXX. A payment was to be taken out on XXXX XXXX, 2016, but had not been taken out. I called Beneficial today, XXXX XXXX, 2016 to question why the payment had not been taken. I was informed by the representative that an attempt was made on XXXX XXXX to draft the money but was returned insufficient funds. I advised the representative that could not be true and requested a conference with my bank. My bank informed the representative that no attempt was made to withdraw the funds and that more than enough funds were available. The bank verified the account number and it was established that Beneficial did have the correct account number. I was told by Beneficial that they would not attempt to draft the funds again, I could not make a payment over the phone, I discovered that I could not make a payment online and that there is not a local branch were I can go in to make a payment. I was told that I could only make payments with a certified bank check. I have been on automatic payments for at least XXXX years, and I have not had a payment returned for insufficient funds. I asked to speak to a supervisor and I spoke to XXXX who said I would have to get a letter from my bank. I am not sure why I would have to get a letter when the representative called my bank and spoke with a bank representative who confirmed that a payment was not returned for insufficient funds on XXXX XXXX, 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to this company that they have my information mixed with someone else. I have sent over proof identity theft to this company. This company has removed their name from my XXXX   account after I disputed with them through XXXX, and left the fraudulent reports on my XXXX and Experian accounts. I am willing to file a lawsuit against this company! I want to be treated equally as all Americans. I lost my father and Im trying to get his house thats up for sale done its been repossessed. This company is blocking me from my right to fair credit reporting. Ive spoken to a lady name XXXX who was rude on the phone saying you people always want to complain and she hung up! Ive never been treated like this in my life. Please have this company remove the fraudulent report from my credit report and charge whom ever you have an account with. Im at a lost for word with this bank. I will file a lawsuit against them and if Im not able to get the house that my father had, they better be willing to pay for my Discrimination Attorney!