23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a payday loan from cash first advance of XXXX $ that i contracted in XXXX and loan was place in collection by a Midwest recovery system. In XXXX, XXXX, they took off my credit collection. Now they decide to place it back in my credit report but they did twice. they duplicated twice they amount ( XXXX ). I talk to them they don't want to call the originate company to get the correct amount of the debt. I called the first cash advance the originate company, they said the amount was XXXX, but they said they can not provide my a document, they said I should deal with Midwest recovery system witch the third company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late last year, I discovered I am a victim of identity theft. I contacted each financial institution to report the fraud. Beginning XX/XX/2021, I submitted multiple requests to XXXX and Transunion to have the fraudulent inquiries deleted from my credit profile. To date, this request has still not been fulfilled. My last submission included a copy of my identity theft report, my photo ID, and a list of the inquiries using the template provided by the Federal Trade Commission for just such a request. 

Please assist me with getting this request fulfilled. If more information is needed, please contact me via phone/email/mail and I will gladly provide the additional information. 

My review inquiries have been pending since XX/XX/2021, which is now XXXX XXXX months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a dispute in reference to in the items on my report. It has been well over 30 days and no investigation results have been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX of 2024, I noticed a company called XXXX XXXX XXXX XXXX XXXX had placed a fraudulent account on my credit report in the amount of {$4300.00}, account # XXXX. I immediately disputed this account with the original creditor XXXX XXXX as well as with XXXX XXXX XXXX XXXX XXXX. When I applied for an apartment I was denied due to my background check and never received a lease. However this company fraudulently placed this account on my credit file and refuse to remove this account. The credit bureaus also refuse to remove this fraudulent information from my credit report which is a direct violation of the law under the FCRA. This fraudulent information is causing irreparable damage to my credit file and my ability to obtain credit in the future. Im asking that this account be blocked from my credit file in accordance with FCRA 605B ( 15U.S.C. 1681c-2 ). Failure to do so will leave me with no other choice than to report your agency to the state attorney general and seek civil penalties for not being in compliance with the law. Ive attached a copy of my identity theft report as well as the e-mail received denying me a lease agreement.
Product: Vehicle loan or lease

Purchased a vehicle for {$24000.00} in XX/XX/XXXX. Vehicle was totaled on XX/XX/XXXX. XXXX XXXX Received a check for {$12000.00} and a check for {$7300.00} all with in a two month span. They reported the credit bureau a lesser amount and also have me paying {$3500.00} in interest. They no longer have the title and are under reporting on the credit report stating that I will be finish paying the loan off in XXXX. It 's already paid off. They said today they waived {$6000.00} in interest. Where? I should not owe anything.
Product: Debt collection

Good morning, My name is XXXX XXXX and I have been a victim of Identity Theft. 
Hunter Warfield is attempting to collect a debt that is not mine. 
Please have them remove this account from my credit report and do a thorough investigation on the account. 
This is not mine and I shouldn't be punished for it. 
Its stopping me from being able to obtain a car loan. 
Please have them fix this. 
Thank you.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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

I do not owe XXXX XXXX XXXX this debt, they have no debt validation for this debt. I have no contract with XXXX XXXX XXXX Also XXXX XXXX XXXX is in violation of my HIPPA rights. I never authorized XXXX XXXX XXXX to hold my medical records. Experian is also in violation of my HIPPA rights posting medical debts on my credit report.
Product: Vehicle loan or lease

XXXX XXXX XXXX, REPOSSION MY CAR AND CLOSED MY ACCOUNT THE BALANCE - {$9000.00} Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. I already filed all the paperwork with the credit bureaus, as well as the creditors. I included my identification, my ID theft report from law enforcement and a letter describing the crime. My information was exposed in the XXXX data breach and I believe this is how they got my data. I have submitted this information several times but there are several accounts that are still reporting inaccurately on my reports. especially XXXX. They have sent me back a bunch of bogus letters stating that I didn't send my IDs ( I did ) or that I didn't write the letters myself ( I did ). They are playing around with me and they have violated my rights.
Product: Money transfer, virtual currency, or money service

On XXXX I requested a money transfer from Upgrade card to XXXX XXXX XXXX. Upgrade steps they transferred XXXX to XXXX, but XXXX states they do not accept transfers. I have escalated with both companies for two months with no resolution. Upgrade is charging me the XXXX plus fees for a balance transfer even though chime never credited my account for the balance transfer. I filed a XXXX on both companies but they both are saying the other company has the funds. I was provided a trace number XXXX but neither company can track the money
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Professional Debt XXXX inc on XX/XX/2020 regarding a account showing owed on my credit report. I spoke with a representative " XXXX '' who asked me for my social security number to identify an account in their system. Upon providing my social security number, the representative populated an account that did not match my name, nor the account number which was showing on my credit report. He informed me this was more than likely a result of idenity theft. I went on to tell him the account number and the amount showing owed on my credit report did not corresponding with the information he was providing. He went on to do a name search and came across another account which he claimed to be mine with further missing identifying information. This company is reporting incorrect and invalid information about me
Product: Debt collection

XXXX ( XXXX ) called my husband who has nothing to do with my debt at XXXX in the morning and told him the amount of debt owed and told him that he had to pay it if I didnt. They then again contacted my mother from another number and told her she must pay the debt or she will be responsible. I can provide phone records from both instances. I can also provide where they call me up to 6 times a day some days but at least 2 times every day. I have asked for mailed correspondence and have not received anything. They could cause a divorce by telling my husband my business and my debt that he has nothing to do with. I am at the point I am going to get a lawyer if it is not resolved accordingly.
Product: Credit card

I have received XXXX letters from Synchrony Bank within the last 30 days, informing me they were closing/reducing my credit limits on the following credit cards, most of which I have had for over 10-15 years : XXXX, XXXX, XXXX, XXXX, XXXX ( XXXX ) accounts, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Quite a few of these accounts have XXXX balance or very low balances. I began experiencing problems with Synchrony around 1.5 years ago. I began seeing late fees of $ XXXX {$38.00} appear on my statements. After numerous attempts to contact a live person w/Synchrony, I was rudely spoken to, was told my bank ( XXXX ) did n't release my automatic bill pay in time for them to receive before the due date!!! I have worked closely with XXXX to insure all of my credit card payments were released, as stated in my bill pay. This deceptive/unethical manner of tacking on fees is just not right. I confirmed with XXXX on every occasion of these fees added on my each month 's bill, that payment on my credit cards had been sent to Synchrony, as stated on my bill pay each month. How can this bank continue to conduct such a deceptive manner of placing these fees on statements every month? Consumers are just spinning their wheels each month, by trying to rise above these hidden/false/excesive charges on our statements. I 've tried to call within the last three weeks and getting a live person with Synchrony is impossible. But ... I 'm receiving no less than XXXX telephone calls from 'UNKNOWN ', but no one is there, when I answer!!! I just do n't know what to do to correct this nightmare. It 's interesting that I 've had these credit cards for YEARS and only recently have I been been experiencing late payments, fees, endless telephone calls beginning @ XXXX - XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries that are unauthorized and have been removed and reinserted on ny repor t I will u pload all inquiries to be removed
Product: Credit reporting

inquiries on my credit were removed and then re-added. 
I was not notified per the FCRA Section 611 law. 
these should be removed.
Product: Debt collection

These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

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

I am filing this FTC Identity Theft Affidavit to report 4 fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXXXXXX on XXXX under the XXXX account number, a credit card opened at XXXX  XXXX on XXXX under the XXXX account number, an account opened at XXXX XXXX on XXXX under the XXXX account, and an account opened at XXXX on XXXX under the XXXX account number. Unauthorized inquiries, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent late payments, charge-offs, inquiries, and fraudulent collections appearing on my consumer FICO Credit Report. I demand that the aforementioned fraudulent items be removed from my consumer report and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit card or prepaid card

I have purchased exercise equipment from XXXX XXXX XXXX TD Retail Card Services XXXX where it supposed to be interest free for 3 years at a monthly rate of {$42.00} per month due on the XXXX of every month. The first payment that was due was on XX/XX/XXXX. I have faithfully made every payment before the due date but they have been adding late charges on every month because I have not paid them more than the agreed {$42.00} per month. In XXXX they added at {$38.00} late fee for something that was not late. Every month since then, they have been adding the same late fee because. They claim that I owe {$140.00} in late fees which I do not. I have the following cashed checks : Here are the posted paid dates on the checks from my bank : XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
I want them to remove all of the late payment charges effective immediately and reverse the bad report to the credit bureau. I have contacted them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for them to resolve it but they still have not. They also reported to the credit bureau that I have not paid late payments. 

Sincerely Mr. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When you want to place a " credit freeze '' with Trans Union, they require you to submit your driver 's license or other form of government ID. Neither XXXX or XXXX require this. Trans Union 's requirement of more personal information from a consumer to place a credit freeze seems unnecessary and burdensome. As evidenced by the XXXX breach, these companies can not be trusted to protect our information. One should be able to place a credit freeze without providing additional information. 

" To set up a security freeze with TransUnion, please visit our online form. You should be prepared with the following types of information : A copy of a government-issued identification card, such as a drivers license or state ID card, etc. 
A copy of a utility bill, bank or insurance statement, etc. '' https : //www.transunion.comXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a alert from XXXX XXXX stating that there was a remark make on my XXXX account from LendMark services stating that my account was increased by {$200.00} between the months of XXXX 2023 to XX/XX/2023. No missed payments were reported to that credit account. I went to the local branch on XX/XX/ 2023 and spoke with a representative loan specialist about the remark that was made and she looked into my account. She stated that the account on file does not show an increase in amount and the amount that was reported to the credit bureau is significantly more than the amount that I owe. She then went through my payments and stated that I did not have any missed or late payments so I also was not charged any late fees. She stated there wasn't any annual fees added to my account either so she did not see where those charges would come from. The loan specialist suggested to dispute the remark made to my account to XXXX and XXXX. She stated that she will print off my payment history if I needed to submit them to the credit bureaus myself to prove there was not an increase in my balance. My credit was negatively impacted by the remark that was made.
Product: Checking or savings account

Was trying to link my account to recive an advance and am not able to
Product: Consumer Loan

I live on XXXX. Set Financial has been calling all my contacts even after I told them not to. I am 3 payments behind and is having financial and health issues. I had like 10 texts on XXXX XXXX. I am getting rude calls from XXXX, SC. Please help back them off
Product: Credit reporting or other personal consumer reports

I the consumer sent an Opt out letter to the company to stop reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to consumer Financial protection Bureau # XXXX XXXX. XXXX XXXX XXXX responded in XXXX that this account was placed on the credit report in error. I have contacted XXXX and all 3 credit bureaus. XXXX and XXXX has updated their files. Equifax has not. The account is still showing. I contacted XXXX they're short me that they had sent an electronic email to all 3 bureaus. I contacted Equifax and Equifax told me they had not received anything. I'm getting the runaround. Please have Equifax delete the account as requested by the company.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file. ive noticed alot of errors an ive addressed this issue multiple times. none of the data listed is correct on all 3 credit files. this is illegal an caused alot of denials. please review an remove the infomation listed to correct my file asap.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 me 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 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.

SBNASELF LENDER - 1763 Never Sent the periodic statement along with the disclosures from section 16
37 ( 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

I have attempted to reach out to Citibank a few times in regards to an identity theft issue. I have never opened an account with them, nor have they sent me a credit card statement. The only thing that I have received from them in the last few months is multiple offers for new lines of credit. Their negligence in regards to this matter has caused me major XXXX and XXXX. This is my last resort. I will be going to legal counsel this next week if this is not resolved. I also wanted to forward this over to the CFPB for investigation on your end. I live at a home that I have owned for the past few years. I find that Citibank has acted in complete negligence or with fraudulent intent if I have not received any information in regards to a matter that I have local law enforcement looking into. Citibank tried to blame this on the local post office. The post office actually contacted me in regards to this to indicate that they have investigated the matter and found that no one is forwarding my mail to another address or anything that they can control. The local police department reached out to me and are currently investigating this crime that has been committed against me. What does Citibank do? They call me twice. Once to try and sell me a " credit monitoring package '' which I am not interested in. Why would I want someone who obviously ca n't figure out how to issue a line of credit to the correct person in the first place monitoring my credit? The second call was at XXXX XXXX in the evening when I was trying to navigate on a road that I was unfamiliar with in TN. I had to disconnect the call. I spoke with some gentleman anothe time and he said that someone would get back to me. No one ever did. Overall my complaint is 1. I never took opened a line of credit with this company. I filed a police report. They do not want to acknowledge this. This was caught by other lenders XXXX XXXX ( who I had an account with previously ) and XXXX and they decided not to issue the line of credit. 2. Absolutely no one will call me back in regards to this. 3. From everything else that has gone on with other companies, I have no other believe than that someone internally over at Citibank opened a line of credit under my name and they are refusing to acknowledge this. This is hurting my overall XXXX XXXX by over XXXX points. I either need your assistance or need to contact an attorney to litigate this matter. Please help me CFPB. Thank you for your time and my apologies in regards to the long message on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX has chosen this portal to intimidate me for their inability to provide a contract bearing my signature obligating me to pay the charge offs they are reporting on my CRs. Instead XXXX XXXX sends me receipts and checks WITHOUT my signature verifying the account. Against the law. XXXXXXXX XXXX did not indicate Dispute on my CRs 30 days after the original dispute letter dated XX/XX/2018. Violating FCRA. I am requesting that you enforce XXXXXXXX XXXX Experian and XXXX and XXXX to investigate and report in accordance to the guidelines of the FCRA.