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

I was not notified of a balance or payment due. I was only made aware of the balance after my credit report showed a delinquent account. I received no communication from XXXX XXXX that the {$99.00} annual fee was due. This is a card that I do not use and had been told by XXXX XXXX, was closed. 

XX/XX/XXXX - Asked XXXX XXXX to close account. They said it was closed. 
XX/XX/XXXX - Credit Card destroyed and no longer used. 
XX/XX/XXXX - ANNUAL {$99.00} FEE charged XX/XX/XXXX - Notice from Credit Bureau of Delinquent Account. Credit score dropped 80 points XX/XX/XXXX - {$99.00} balance paid XX/XX/XXXX - Card Closed XX/XX/XXXX - Spoke with XXXX XXXX to remove remark. Refused XX/XX/XXXX - Spoke with XXXX XXXX to remove remark. Refused
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Vehicle loan or lease

This account has been paid in full and closed. I was shocked when reviewing my credit report and found late payments reported for XXXX and XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that there was an error in my payments being reported accurately.
Product: Credit card

This report is for my Citibank-Citi XXXX Credit card XXXX On XX/XX/year> I had XXXX fraudulent charges on my account for a total of {$740.00} to a company I have never heard of across the country called " XXXX XXXX ''. 
When I noticed the charges I immediately called the fraud department to report it. They sent me a letter on XXXX saying that they are looking into the fraud. When I got my statement the next month on XXXX the charges were taken off of my card and I though the issue was resolved. 
The very next day after that months statement on XXXX they added two out of the three fraud charges back onto my card charging me {$490.00}. I called them again to dispute the charges and spent a lot of time on the phone until they said they would look into it. 
Then on XXXX they added a letter to my account stating that they confirmed that one of the charges is staying on my account but the other two charges made at the same time were fraud. Also at that time there were still the two charges on my account. Then finally on XXXX they took only one charge of {$190.00} of of my account still charging me {$290.00} for now only one out of the three original charges. 
My next statement on XXXX still had a the charge of {$290.00} not taken off. After that I called them again to dispute the charges. They once again gave me the run around and finally said they were going to look into it. I repeatedly asked the fraud department to send me an email or something that states they are looking into it but my request was constantly denied and they said I will get a letter if anything changes. 
When my XXXX statement came the fraud charge was still on my card and it has been about 5 months since I first reported the fraud to them and nothing is happening. So now I am filing this report to hopefully get help and remove this fraudulent charge. 
On the letter that they sent me on XXXX they stated that the {$290.00} is not going to be refunded and had an attachment that they say they got from the company proving I made the charge. That proof was a receipt with my name and email, but the email is one I have never seen and is not the email account used with this credit card. Also it was just a piece of paper and did not have my signature or or any other info. So it seems really shady that I had 3 charges all at the same time and they determined only two out of the three were fraudulent. Currently I still have a fraudulent charge on my credit card from XXXX of {$290.00} and on top of that I am also being charged extra interest every month because that charge is still there. 
There website also clearly states that their customers will not be held liable for unauthorized charges and are protected. That is clearly not true.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I think we need to remove any wrong accounts from my credit report. Would you mind checking the documents? There are inaccuracies in some of the accounts listed, with incorrect amounts and dates reported.
Product: Debt collection

I informed the company and the credit bureau that I was a victim of identity theft. the account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO XXXX XXXXXXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX THEY ARE CONTINUING TO REPORT TWO FRAUDULENT ACCOUNTS I KNOW NOTHIG ABOUTON MY CREDIT REPORT AND HAVE NEVER HEARD OF THESE COMPANY BEFORE AND HAVE NEVER RECEIVED ANY CORRESPONDENCE THEM. HOW AND WHAT THE DEBT IS FOR AND WHAT PROOF THEY HAVE THAT IM CORRECT PERSON THEIR LOOKING FOR? THESE ACCOUNTS WHERE OPENED I ASSURE YOU DUE TO ME BEING A VICTIM OF IDENITY THEFT AND XXXX  HAS YET TO NOT DONE A PROPER INVESTIGATION TO EVEN SEE THAT THESE ARE NOT EVEN MY ACCOUNTS AND DONT BELONG TO ME. I HAVE NEVER HEARD OR HAD A XXXX XXXX XXXX   ACCOUNT.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under trafficking according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In regard to my last complaint... 

You state that these addresses are in an " active forwarding order with USPS to forward all mail to our current address '' which is false. I have sent a debt verification letter to this address and have had it returned to me by USPS stating : " MOVED LEFT NO ADDRESS UNABLE TO FORWARD RETURN TO SENDER '' you have falsified your stance that your prior addresses have an active forwarding to your current address, preventing me from sending debt verification letters for you to receive them and more importantly validate and verify your stance on this account. 

I will attach documents stating this claim and provide proof, despite your attempts to change your address after my initial complaints to justify your stance. You have proven to be in violation of my federal rights, and have furthermore perjured yourself in your responses both here and on XXXX XXXX XXXX XXXX XXXX site. I have documented and saved all files and plan to hold you accountable unless you delete this from my account you have on file and send me proof of this being deleted and prevented of any further re-addition to my credit report as well as the halting of any transaction of this debt where you may sell to another creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert via the Experian app that an " update to my court records '' had been posted. Upon further review, Experian notified me that my account had additional names attached to it that was not mine. The name attached was XXXX XXXX XXXX. Whereas my name is XXXX XXXX XXXX, XXXX. Upon updating that information I was instructed to check my credit report to ensure all information was accurate. I then checked my credit report and have noticed there has been a string of hard inquiries spanning from XX/XX/XXXX to XX/XX/XXXX. I have no idea where these inquiries have come from. Upon reaching out to Experian, I was initially instructed to contact the " request originator '' ( company that pulled my credit report ). Upon doing so, I was informed by the companies that there was no record of my application on file. I was also told by the " request originator '' that the only course of action I had was to reach out to the credit reporting agency. I have since then reached out to Experian to inform them up this information, only to be met with the statement " there is nothing we can do until you call them '' /. After repeated communications with Experian informing them of the situation, I was left with no resolve. I have decided to contact the consumer finance division in order to gain assistance in having the erroneous hard inquiries removed from my credit profile as this is potentially effecting my employment.
Product: Vehicle loan or lease

Credit acceptance is has charged me hiden fees to my vehicle lease. 
I struggle with payments and they repossessed the vehicle adding more charges to my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 contacted Experian multiple times and repeatedly disputed an item on my credit file. Unfortunately, Experian failed to fully investigate the matter and keeps issuing results saying the " the company that reported the information has certified to Experian that the information is accurate. '' It's unclear which company certified and what evidence Experian received to ascertain the accuracy. 
I disputed the item because I have never defaulted. I never stopped paying or missed a payment. The original creditor had a valid auto payment information on file. The company stopped collecting payments at its own will and never notified me about it. For all I know, the company may have forgiven me. Then I discovered it was sent to collections without my knowledge and while they had a valid payment information on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against CREDIT CORP SOLUTIONS IN for committing identity theft. I have never given CREDIT CORP SOLUTIONS IN any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDIT CORP SOLUTIONS IN can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDIT CORP SOLUTIONS IN continues its collection efforts, I will file for litigation for actual damages caused and CREDIT CORP SOLUTIONS IN will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Debt collection

I spoke to Professional Collection Services on XXXX/XXXX/15 at XXXX XXXX and upon calling I was rudely answered with a " Hello '' and than proceeded to be asked " How I got this number '' I advised the Lady that it was on the letter they sent to me regarding a debt for my wife. She sighed and very rudely asked my account number. The call proceeded speaking about my wifes debt and she never asked who I was, verified any piece of information and disclosed everything to me about my wifes debt not knowing who I was. She than stated that I could not contact the client directly as it was placed with them and they would n't speak to me. The lady was rude and very abrasive when I asked about a Settlement and I told her I did n't appreciated her tone and I would call later and hung up. 
I called back later in the day but Recorded the entire conversation this time. Again they failed to verify who they were speaking to, never gave me their name, their company name. I asked how the settlement was determined and she told me " It does n't matter how we determine it, Im in collections and she does n't even have to give me a Settlement '' I was also informed on my second call we had another account in her office for {$4900.00}, in addition to the {$630.00} debt I was calling about. I asked her about the other debt she said they sent VOD to my address I advised I never received it and would like to dispute and see proof. She got very upset said she would send it again, but that since it was n't on my credit report she was going to Re-Report it to my credit since it is a sizeable debt. 
I have worked in collections for many years as a manager and trainer and this is by far the Worst collection call I have ever heard, countless laws were broken and this agency needs to be reprimanded for their unethical collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In an attempt to reduce the number of unsolicited credit card offers I first attempted calling several of the banks including Capitol One ( directly ) and XXXX XXXX ( through the XXXX XXXX XXXX Miles Program ). I was told that I had to " opt out '' either through calling the number on the solicitation or by going on-line. 
I used the online method to opt out on XX/XX/2018 but continue to receive unsolicited offers from Capitol One, primarily, as well as XXXX and XXXX XXXX. 
When I check my credit report I notice that the banks have made numerous credit checks. I'm also concerned about the potential for fraud if someone should try to open an account under my name since there are so many of these solicitations mailed out. 

Is there any way to compel the banks to comply with my request not to send unsolicited offers for credit?
Product: Credit reporting or other personal consumer reports

XXXX XXXX of ny leased XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX for 36 months, the lease was extended for another 12 months in XXXX, then we found out from our insurance company that the cars needed a safety recall fixed and we would not be covered by them until the recall was corrected. We received no notice fromToyota about it. 

We contacted XXXX XXXX and they confirmed that a safety recalled was issued and no fix until XXXX, now we were tucked with the cars and still had to make payments. They informed the company that no compensation nor loaner cars would be given because its a company lease. 

We paid full amount for the car lease for 48 months with non use for 12 months. After the lease we returned the cars to the dealership in XXXX NY. 

We had to purchase the cars because the dealership said they wont buyout the cars because they cant sell them with the recall issues and they are not worth the amount XXXX is requesting so XXXX XXXX had to purchase he cars. 

Now XXXX is claiming XXXX owes more payments and fees on the cars, come to find out they were not reporting the car sale on XXXX XXXX XXXX XXXX XXXX credit, but was reporting on my personal credit with the 3 reporting agencies.

I found out they put ownership of cars on my personal reports and added negative comments of late payments and passdue payments is owed. I am not owner of the lease nor cars.
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. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 


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 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 that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my XXXXights.15 usc1681 section 602a states I have the rights to privacy,15 usc1681 604a section 2 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WANT TO NOTIFY THAT I RECENTLY FOUND OUT A FRAUDULENT ACCOUNT IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN AN ACCOUNT BY XXXX  XXXX XXXX.
Product: Debt collection

I am filing a complaint on my own behalf. I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACTwas allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 to 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 XXXX XXXX XXXX XXXX XXXX XXXX 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