23daVinci/CFPB_Complaints huggingface dataset:
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 im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting late payments on my credit report. 

I recently received a copy of my XXXX, XXXX, and Equifax credit report, And I noticed some late payments posted on my credit report 1XXXX XXXX ..ACCT : XXXX1 late payment. XX/XX/2021 30DAYS Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( a ) 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. 

Did I give u written instructions to furnish this late payment on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( 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. 

Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and I notice the following inquiries in which I don't have any accounts nor did I apply for credit with them. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and saw a debt that I do not owe. I submitted a claim yesterday XX/XX/2023, I received word from Hunter Warfield claiming I owe this money. 

I have proof that I paid the apartment complex the money said to be owed. I contacted the property manager when I sent the money order to the apartment complex AND they responded with confirmation of receipt. This is absurd, and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called XXXX XXXX XXXX to put my account on an autopay arrangement. This was never completed, I was never contacted by XXXX XXXX XXXX and my account went into default however a payment was withdrawn the following month in XXXX. They placed two late payments on my credit report and will not remove them although I made a payment in XXXX and in XXXX they never took the payment out although I contacted them to be put on the autopay that month. I've sent letters disputing to my creditors as well as XXXX with proof of my payment and my phone record showing my phone call to setup the autopay.
Product: Debt collection

On XX/XX/year> I requested that the United Collections Bureau send me validation of a debt in the amount of {$1900.00} from XXXX XXXX, the original creditor. Once I got the itemized statement, I noticed that it had procedures on there that should have been protected under HIPPA. I am demanding that since UCB violated HIPPA law, they delete this account from their office. If this account is not deleted within thirty days, I will seek litigation. Please provide written proof that this account is deleted and will not be reported to the credit bureaus. Attached are pictures of the letter UCB sent via mail. Thank you. 

Reference numbers : XXXX, XXXX
Product: Debt collection

I have been a victim of identity theft. There are over 20 collections for things I have no clue where they are from. I have contacted the company to dispute it but they are saying they can not remove anything without payment, which I know is not true. 

This really isn't fair, is there anything anyone can do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I am a victim of identity theft. I am writing to request that you DELETE the following Incorrect information from my credit report. 
XXXX XXXX Bankruptcy Filed XXXXXXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft the XXXX XXXX account XXXX reporting to my Transunion report is a case of fraud and identity theft. I have attached an FTC report case # XXXX also 605B ( 15 U.S.C. & 1681c-2 ) asking that this account be blocked from my consumer report within 4 business days from receiving this Complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are numerous unauthorized inquiries and an account I was never late on
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my Credit Report I noticed that there are items that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the items needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX 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 XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing to formally request a block and deletion of fraudulent information related to a recent data breach incident involving my personal information. 
Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete the following account from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Over the past 18 months I have been receiving security text messages from PayPal with a six digit security code. This was odd because I do not have a PayPal account. After reaching out to my bank this past XX/XX/XXXX, we identified several fraudulent charges to my credit card stemming from a PayPal transaction. After calling PayPal in XX/XX/XXXX, I was informed that an account had been opened using my personally identifiable information ( e.g., phone number, date of birth ). However, the account used an email address that I did not recognize. After being told that were cancelling the account and print a flag on any new account being opened using that information, I then began receiving more suspicious text messages from PayPal today ( XX/XX/XXXX ). 

I called up my bank and had them block any transactions originating with PayPal ( as I do not conduct business with PayPal ). I then called up PayPal to try and resolve, and at first they told me that an account exists with my information only to tell me the exact opposite five minutes later when I asked for security measures to be implemented for the account. After they refused to do anything about the, I reminded them that they are subject to federal regulation with regard to the protection of personally identifiable information. After not having any luck with then in this regard, and having patiently tried to handle this with them directly over the last 18 months, I've decided to submit a formal complaint.
Product: Credit reporting or other personal consumer reports

A XXXXXXXX XXXX XXXX  account was opened, it seems twice with my information and my checking accounts, and I am now working with the banking accounts I do have access to to recover as much of the money stolen as possible. Have filed an FTC report, have filed police reports. FTC reports are under my name, same as police reports and none of these filings should be closed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX account # 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

XXXX XXXX acct number : XXXX Dept of EdXXXX acct XXXX : XXXX XXXX XXXX acct XXXX : XXXX Dept of EdXXXX acct number : XXXX XXXX CHILD SUPPORT ENFORCE Acct number : XXXX Has violated my rights 15 U.S.C 1681 section 602 : States I have the right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account with out my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) section : states no consumer reporting agency may make consumer reports 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 7 years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to a 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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$500.00}
Product: Credit card

After reviewing my current balance on my XXXX XXXX XXXX XXXX, I noticed that the promotional " no interest '' period had ended. My original balance was reduced from approximately {$5500.00} to {$3600.00} on my card. However, an additional {$3300.00} in INTEREST was applied after the " no interest '' promotion was over. This is 59 % interest charge! My interest rate on this card is nowhere near that high, and this charge is excessive.The company NEVER DISCLOSED THE INTEREST RATE WOULD BE AMPLIFIED TO 59 % .THIS IS OUTRAGEOUS. 
THE INTEREST RATE SHOULD BE AT 29 % WHICH IS APPROXIMATELY $ XXXX XXXX XXXX is very deceptive and fraudulent. 
Their response is to force me into paying off the entire amount to NOT PAY AN OUTRAGEOUS 59 % INTEREST RATE THEY PLACED ON TO MY ACCOUNT WITHOUT DISCLOSURE. I spoke to customer service and NO ONE CAN EXPLAIN THE ASTRONOMICAL, DECEPTIVE, FRAUDULANT INTEREST RATE. 

I am not satisfied with this response!! 
.READJUSTING THE INTEREST RATE IS WHAT THEY SHOULD DO!!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Receiving countless calls from a company I don't know saying my name and that I owe a debt to them. I don't know of this debt. They are now reporting a debt on my credit report that I do not own. I've had to block the number as they will not stop calling me.
Product: Credit card

The credit card that I'm having a problem with is XXXX XXXX  XXXX XXXX which is at Comenity Bank. I pay the bill, {$800.00} each month, on the XXXX from XXXX XXXX using their bill pay facility. The bill pay facility at Prosperity seems to work fine with all my other payments. The payment to Comenity very often takes several weeks to get applied. I have been hit with late fees as a result. 

When this occurs, I log into Comenity Bank and send them a secure message asking about the payment. They seem to be extremely ignorant about the entire process usually telling me that the mail is slow or something else. 

At least once, I have also contacted XXXX XXXX to ask them to assist but I don't think there is much they can do except give me the transaction id. 

I just logged into Comenity 's web site ( XXXX XXXX CST XX/XX/XXXX ). They have now applied my last payment while it was not there yesterday. Their time stamp is XX/XX/XXXX when actually XXXX made the payment on XX/XX/XXXX. Even if you believe the XX/XX/XXXX date, that is XXXX business days to make the transfer which seems excessive. Not showing the payment when I log in and look at the activity until today ( another XXXX business days ) seems wrong as well. In total, it took roughly XXXX business days to make the transfer. I can understand XXXX or XXXX but XXXX seems excessive to me.
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint regarding non-compliance with my opt-out requests by the credit bureaus and lenders. 

On XX/XX/23, I submitted requests to XXXX, TransUnion, and XXXX, as well as XXXX and XXXX XXXX, to cease any authorization-related activities concerning my credit accounts. These requests were made under my rights as a consumer protected by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. 

Despite these requests, I have not received acknowledgment or confirmation of the termination of authorization-related activities from the mentioned entities. The accounts in question include my XXXX XXXX XXXX XXXX  ( Credit Card and Auto Loan ) and my XXXX XXXX auto loan. 



Enclosed with this letter are copies of my original opt-out requests and any relevant documentation.
Product: Debt collection

The account is a XXXX account I had at my previous apartment unit about 3 years ago. I moved to a new unit in the same complex without being aware that I owe a balance of {$100.00} on my XXXX Cable. 

I was never contacted about paying this debt. Partly because correspondence is sent to an old address or my name is spelled wrong ( As can be seen in the attached document ) I suddenly see this item on my credit report as I now check it often for inaccuracies. I immediately called the Collection Agency and paid the amount in full XXXX along with a {$5.00} processing fee paid to PAY IN SECONDS. 

I made it known to the agent that if they had contacted me prior I would have made the payment to which she had no response, She however advised me that it can be deleted if i went through the right channel, which brings me to this site. 

According to the credit reporting agency this damaging record will remain on my account till XX/XX/2021. Since I paid the full amount the same day it was reported, I request a DELETION of this derogatory item from my XXXX credit file.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with 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 XX/XX/XXXX and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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.

CREDITONEBNK 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 or other personal consumer reports

Equifax failed to look in to my credit report and remove disputes XX/XX/year> been trying to fix my credit report but they fail to ever contact me back
Product: Debt collection

Hunter Warfield has falsely placed a derogatory on my credit report for an account I had already settled with them. After calling, they had agreed to file a request for deletion with the XXXX credit agencies, however they have not done so.