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

This should be removed as of XX/XX/XXXX and it is still showing as of XX/XX/XXXX XXXX XXXX XXXX XXXX {$5200.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type FLEXIBLE SPENDING CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$5200.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$5000.00} from XX/XX/XXXX to XX/XX/XXXX month and year this item will be removed XX/XX/XXXX Payment History
Product: Credit reporting or other personal consumer reports

Its unacceptable to have this late payment listed, given my consistent on-time payments. I request its removal and an update to my account.
Product: Vehicle loan or lease

This loan regarding the XXXX XXXX XXXX XXXX XXXX, has been in litigation. The executives of the lien-holder, XXXX XXXX and XXXX XXXX have been in constant contact, which from our last conversation in early XX/XX/XXXX, they were issuing the the dealership XXXX XXXX XXXX XXXXXXXX Buy-Back statement letter. '' The lien holder nor The State of Georgia Commissioner 's office has obtained the title from the dealership ( they even suggested that I discontinue insurance on a car that's not legally registered to me in the State of Georgia ) within the first 30 and even 60+ days ; the car was purchased XX/XX/XXXX and all necessary documents were provided. My attorney 's can provide said documents/proof from XX/XX/XXXX. They're beginning their own separate investigation. I'll provide information once I hear back from their office or my attorney will provide the information. It's now XX/XX/XXXX!! The State of Florida Highway & Safety motor vehicle investigator, XXXX XXXX, also has an open investigation regarding the dealership and lien holder regarding why they've sold ( and/or allowed ) an automobile without providing the title within the legal allotted timeframe. I have XXXX XXXX ' contact information if needed. I'll provide the firm that is representing me and their contact, as we are preparing for arbitration. Please remove this loan from my credit, as we are in an active litigation. 

All replies should be directed to : 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 logged into my annual report for XXXX. I was going over information and somehow it just kicked me right out of it. I know it was intentanal do to fact i was not even pressing any buttons an exsperion had just told me that i could not access the report do to circumstanance about 15 minutes before i was kicked out of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion displaying innacurrate employer on credit report. I do not work for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late in XXXX, 2020 on the XXXX XXXX  - partial account numbers XXXX. ( Please see pages attached from my credit report. ) I talked with the supervising manager of XXXX XXXX, her name was XXXX XXXX, and she verified to me that this account was in good standing and that there had never been a missed payment. She assured me that this late was reporting in error and that this late would be removed from my credit report. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

I paid professional collection on XX/XX/2022 the amount of {$560.00} and spoke with the representative name XXXX. She assured me that the company would remove the collections on my account since I paid it in full. Well today is XX/XX/2022 and the collections still havent been removed. I have contacted XXXX several times and she has reassured me they would try to report it again as paid full and to request for the bureaus to remove the item off my credit report nothing has happened in over a month.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original XXXXonsumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Credit card

There have been various misbehaviors of XXXX XXXX XXXX XXXX by Citi. I tried to resolve the problems with Citi. I changed e-bill to paper statement, I wrote a letter to Citi on XX/XX/XXXX, and I stopped use of Citi card for over a year. However, problems happened again when I restarted use of Citi card again since XX/XX/XXXX. 
I received a statement for payment due on XX/XX/XXXX. Citi charged me {$30.00} late fee and {$6.00} interest for the previous month. My bank record shows my payment was on time. I called Citi on XX/XX/XXXX. I was told the late fee and interest were waived already before my call. I asked the representative of Citi : Why did Citi charge me first and then waived the charges? The representative had no any idea. 
I received a statement for payment due on XX/XX/XXXX. Citi charged me {$30.00} late fee and {$5.00} interest for the previous month. My bank record shows my payment was on time. This time, I do not want to call Citi again because I can not tolerate misbehaviors of Citi any more. I paid XXXX that I used the Citi card for purchases. I am filing this complaint with CFPB. 
The statements of Citi and my bank records are available upon request.
Product: Debt collection

Hi, I fell behind on a loan with XXXX XXXX. I due owe a debt to XXXX XXXX, that is not the problem. The problem was someone calling claiming to be a third party debt collection agency here in XXXX. The caller used a stage name and refused to contact me via email or US Mail. He also used racially-charged language and claimed he could show up at my employer if I didn't give him my credit card number. Also, he said that XXXX XXXX has charged off my account which is false. XXXX XXXX said I can simply begin to pay back the loan as my situation improves. 

The person in question is XXXX XXXX XXXX, XXXX XXXX at XXXX XXXX. He has been calling my underage son at his school. My son 's teacher answered my son 's phone XXXX XXXX XXXX made a threatening remark, hung up, and kept calling throughout the day. 
I am a retired XXXX XXXX and had to return to day work after my wife passed away. I was fired from another assignment simply because I was " overqualified '' and now am working three jobs just to make it by. I have made a video of XXXX XXXX XXXX and attached the video herein. He is a wanted felon out of the state of Illinois and moves from one HUD household to the other. I know where he currently lives, gets liquored up and where we frequent adult entertainment in XXXX, OH. 

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

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account Dear CFPB, I am filing this complaint regarding the inaccurate late payment reported on my credit file for the account listed below. Despite multiple requests for correction through disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. This persistent inaccuracy constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information : Account Name : XXXX XXXX Account Number : XXXX Account Status : Closed/Paid High Balance : {$36000.00} Late Payment Reported : XX/XX/XXXX Errors and Discrepancies : XXXX. Late Payment Dates : A XXXX late payment is inaccurately reported for XX/XX/XXXX across TransUnion, XXXX, and XXXX. This discrepancy is false, as no payment was due or late for the stated period. 
XXXX. XXXX Payment History : All months are marked " OK '' in the two-year history section, yet the reported XXXX late payment contradicts this accurate record. 
XXXX. Inconsistent Reporting : XXXX and XXXX fail to provide the date of the last verification, violating the FCRA requirement to ensure information accuracy. 
XXXX. Failure to Update Information : Despite multiple dispute submissions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the reported information remains unchanged. 
Legal Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit bureaus are required to ensure accuracy in consumer files. This has not been upheld, as evidenced by the uncorrected inaccuracies in my report.

Truth in Lending Act ( TILA ) : As stipulated in 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before payment due dates. The inaccurate late payment reporting implies non-compliance with this requirement. 

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditor responsibility to provide timely and accurate statements. The continued reporting of false late payments demonstrates a breach of these obligations.

Desired Resolution : 1. Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit file. 
XXXX. Written confirmation of the correction to ensure compliance with the FCRA and TILA. 
Failure to resolve this matter promptly will result in further actions, including additional complaints to the CFPB and possible legal recourse. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX & XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information, accounts and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Balance Owed : {$2300.00} XXXX XXXXXXXX Balance Owed : {$6700.00} XXXX XXXX Balance Owed : {$6700.00} XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$1500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  ) XXXX Balance Owed : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

On XX/XX/XXXX I contacted the company seem to discuss payment. I was ready to make payment to bring the account current. But the representative provided me with a different process that we could potentially utilize. She assured me that if I decided to Take advantage of the offer that no. Negative reporting would be done in any way regarding the month 's added to the end of the loan. The only reason I agreed to do this was because of that statement Since it is adding interest to the loan and costing me more money. This was not done as I was assured. It would be because I have since been denied. A vehicle long based solely on the reporting from bridge crest. Stating that I was delinquent. My payment history shows that I made payments in XXXX XXXX XXXX. And then the deferral was given in XXXX. They were not supposed to report negatively in any way. But they did costing me both time money and lack of vehicle due to the fact I. Decommissioned my trade in.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXX XXXX Balance Owed : {$0.00}
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 AND XXXX AND EXPERIAN has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting 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 and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name AND ALSO THERE WAS A ACCOUNT XXXX  ON MY CREDIT WHICH WAS FRAUDLENT I DIDNT CONSENT TO IT EXOOERIAN DELTED IT BACK AND XX/XX/2022 XXXX NOW THE FRUADLENT ACCOUNT WAS REINSERTED BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME N NOW IM EVEN MORE XXXX  AND CANT MOVE ON WITH MY LIFE
Product: Credit reporting, credit repair services, or other personal consumer reports

MyRental states that I have been evicted or had an eviction proceeding initiated. Neither of those has occurred in my rental history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous account entries that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records & other items that are being reported as an error. I want to know this information because these items keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. Here are a list of items that have not being investigated correctly and I would like to be removed : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX
Product: Debt collection

A man who's name is XXXX XXXX, works for CCI, has contacted me twice regarding past due amount on a decedent that I had medical power of attorney a year prior to her death. Four months before she died, her daughter, being her living next of kin, took over the medical power of attorney. She passed at the end of XXXX last year and the nursing home she was in charged her for the entire month of XXXX ( she doesn't owe for XXXX because she wasn't alive ). No one was appointed through court documents as her executor through the state. I tried explaining all of this to XXXX XXXX and he stated he did not care about the laws where I'm from that the amount is owed. I informed him that medical power of attorney expires when a person has passed away and that medical power of attorney has nothing to do with financial. He stated he did not care that the money is owed. He also talked overtop of me, I tried to call back to ask for a supervisor and he answered the phone and said are you done, you haven't had enough. I have spoke to a lawyer regarding this harrassment. XXXX XXXX is very unprofessional and should not be talking to people like this! I have blocked their number and XXXX still finds a way to call from different numbers.
Product: Money transfer, virtual currency, or money service

I was told to send a Zelle payment to an auto body shop in order for them to fix my car. The car was never fixed and my money was never reimbursed. I left my car at this shop for a month and they were giving me false updates on how the car was being fixed. They never touched the car. Just let it sit there for a month lying and stalling as long as they could to just steal my money. Telling me they were waiting on parts that were never orderd in the first place. When I finally show up to see what's going on, despite them telling me don't come for a few more days because the car is getting painted ( it wasn't ). I ask for a refund and of course they stop answering the phone when I call and never give me the money back. {$1200.00}. When I reported this Zelle transaction, they did nothing to help me. The didn't try to get the money back or help in any way. I was robbed and scammed out of my hard earned money. I'm glads the CFPB is suing Zelle for continuously letting people exploit the system and offering no protection for their users.
Product: Debt collection

XXXX  XXXX, now DBA XXXX XXXX operated by The XXXX  XXXX  hasn't sent me any statements other than my Final Movement Statement on XX/XX/2018. I paid all that was due and now almost two years later have received multiple collection notices from the National Credit System , Inc. to pay a {$95.00} debt that I've never even seen. 

I have documentation to show that the final moveout statement was {$1600.00}. Of that {$5.00} was a late fee which was subsequently removed by the front office staff ( I have documentation ) and the remaining {$1600.00} was paid in 3 payments of {$530.00}. 

{$95.00} remaining balance? I never received anything about it. 

Ive contacted the National Credit System to report that I am disputing this and I and my guarantor are still receiving additional credit threats that they will damage our credit. 

I have tried on multiple emails and phone calls to get this resolved by contacting the front office staff. Every time, I've contacted them, they've told me they can't help me and that the XXXX XXXX XXXX will resolve this and to send him email. I've now sent him multiple emails and have not received the slightest response. Upon calling the office again, they said just do the same thing, but I am receiving additional credit threats in the mail and frequent calls from the National Credit System.
Product: Debt collection

I have a vehicle that was repossessed by XXXX XXXX XXXX XXXX in the State of TEXAS on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. Under the laws of the State of TEXAS UCC 9.614 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I have a reported balance of {$9800.00} showing on all three of the credit bureaus. I was never provided with copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. I have reached out to all three of the credit bureaus as well as XXXX XXXX for proof of the resale of the vehicle and have yet to receive anything.
Product: Debt collection

According to the fair credit reporting act. fcra section 605b it is illegal to report information on my credit report without my permission. Please remove this item. from my credit report.