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

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX REPORT THE LATE ON MY ACCOUNT WHICH NEVER BEEN LATE
Product: Credit reporting, credit repair services, or other personal consumer reports

On all 3 credit bureaus a 120 day late report is on there last reported XX/XX/XXXXthrough XXXX. One bureau said last reported XX/XX/XXXX. The acct number only reveals ***XXXX. I was given number to XXXX  and through all departments they do not have any information associated with my social security number.

I am unsure if this is an old account or if its fraud but i am unfamiliar with any accounts through XXXX.

Please help!
Product: Credit reporting or other personal consumer reports

I have reached out XXXX, XXXX, and Equifax on multiple occasions regarding disputes of inquires on my credit report for accounts i do not have. I've also received multiple notifications that my email and social security number has been accessed to the dark web and i put a fraud alert on my credit file to alert the credit bureaus about this issue. 
I've contacted the credit bureaus 4 times this year on this matter. ( XXXX, XXXX, XXXX, XXXX ) Here are a list of inquires that were not authorized Equifax 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: Checking or savings account

The executive response team with Citibank told me they were closing in my account 30 days and then if there are any friends of the account that they would send me a cashiers check I called a week later XX/XX/XXXX right there on her before that date and I asked how much longer I need to access I had test coming up and I just close the account they be done with me. They said no they had to investigate investigating what I do not know because everything was fine. They would let me withdraw on these incoming wires their investigating and let me withdraw {$5000.00} {$800000.00} And then I was able to go to the ATM and get money out XXXX XXXX here and then I changed my phone number and then now theyre questioning it and I cant verify me which is now called on or XX/XX/year> to find out what was going on. I called the executive response team was Citibank and she told me on the XXXX. The investigation will be up and they should have a response for me by then she will get back with me on the XXXX. I havent heard nothing all morning so I called in the afternoon. Talk to XXXX I believe thats her name and she told me no she got the date wrong. Its the XXXX but thats the problem with Citibank every time I call her no matter who I called fraud no matter customer service no matter I always get so many different and they always give me a different answer and XXXX XX/XX/XXXX of XX/XX/XXXX. I dont get answer by everybody so I just need my money. I dont know why there was a question about Friday to begin with. Why would they let me withdraw on it on those funds until I changed? My phone number makes no sense to me. I think they just wan na keep my money I really need help because theyre not theyre not moving forward at all. They need more time. Its been more time its been since XX/XX/XXXX. Ive not been able to have no access to my money and thats cool fixed income Anyway
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, PA XXXX Subject : Formal Demand for Immediate Investigation and Removal of Erroneous Accounts To Whom It May Concern, Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other applicable consumer protection laws, I am writing to formally dispute and demand the immediate removal of the following accounts from my credit report : XXXX. XXXX XXXX XXXX. Kickoff XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX for This Demand 1. 15 U.S.C. 1666b ( Timely Posting of Payments ) : Under this statute, creditors are required to ensure the accurate and timely posting of payments and other obligations. A failure to do so constitutes a violation of my consumer rights. I have reason to believe the accounts listed above were not handled in accordance with this law, leading to inaccuracies on my report.

2. 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) : Under this statute, credit reporting agencies are required to conduct a thorough and prompt investigation of disputes raised by consumers. I demand that each account be verified for accuracy, compliance with all legal requirements, and substantiated with proper documentation.

3. 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) : This statute mandates that information furnishers report accurate and complete information to credit reporting agencies. These accounts must be validated by the furnishers, including proper documentation of their legitimacy. If they can not provide such evidence, the accounts must be deleted immediately.

Specific Demands Verification : Provide complete documentation proving the accuracy and validity of the accounts. This includes signed contracts, payment histories, and any relevant documentation proving the legitimacy of the debts. 
Removal : If the above documentation can not be provided, I demand the immediate removal of these accounts from my credit report as required by law. 
Notification : Notify me in writing of the results of your investigation and any actions taken, within the legally required timeframe. 

Conclusion Failure to comply with these federal statutes and resolve this matter promptly will leave me no choice but to escalate this issue. This may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities or pursuing legal remedies to protect my rights. 

Please consider this letter a formal demand for resolution and remove these accounts without further delay. 

Sincerely,
Product: Credit card or prepaid card

Dear CFPB, I called USAA to report the credit card they issued to me as lost or stolen on XX/XX/XXXX. I remember using this credit card on XX/XX/XXXX in XXXX. It was subsequently either stolen or lost. When I noticed my USAA credit card was missing on XX/XX/XXXX, I logged into my account online and noticed thousands of dollars of unauthorized purchases. I immediately reported the card as missing and reported a number of charges listed online as fraud. I was advised by the USAA representative to keep a close eye on my account. Accordingly, I did monitor the account. I called back at least once to report additional charges as fraudulent. These charges had all been made in the XX/XX/XXXX-XX/XX/XXXX period. However, some of these charges only posted to my account later a few days later. Ultimately, I am disputing 18 charges to my joint credit card account with my husband totalling {$3700.00}. 

Initially, in XXXX, pending a fraud investigation, we were issued credit for these purchases. These charges re-appeared on our credit card account on XX/XX/XXXX after a fraud investigation was completed. However, I received no letter informing me of the conclusion of this investigation to either my USAA inbox, to my email account or to my regular mailing address ( to my knowledge, though it is possible that it was lost ). Despite speaking to USAA on XX/XX/XXXX ( approximately half an hour ), XX/XX/XXXX ( 36 minutes ), XX/XX/XXXX ( 17 minutes ), XX/XX/XXXX ( 32 minutes ), XX/XX/XXXX ( 37 minutes ), XX/XX/XXXX ( 35 minutes ) and today on XX/XX/XXXX ( 20 minutes and 26 minutes ) about these charges specifically, no USAA representative has been able to resolve this dispute, or even tell me what steps I should take to help resolve this dispute. In the meantime, we continue to carry nearly {$4000.00} of debt on our credit card that was the result of a XXXX claim that we continue to dispute until the present day. 

I should acknowledge that I have received one phone call back from an XXXX in the USAA credit card fraud department on XX/XX/2018. This individual left a phone message ( I have it saved ) instructing me to return her call at a general number ( XXXX ). Despite two attempts ( one today and one on XX/XX/XXXX ), I could not reach her or anyone authorised to discuss my case when trying this number. Today, on XX/XX/XXXX, I called the senior dispute resolution team one last time to see whether they could do anything before submitting this complaint. 

Over four months have elapsed since I reported these investigations to USAA and I am extremely frustrated that they have not been able to resolve this, much less provide me with any indication of what is being done to resolve my complaint. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Chime Bank is a disaster. I have pursued a dispute with the company and opened the dispute within a timely manner. Regardless of sending Chime proof, they closed my case NOT in my favor. Chime Bank sent me emails ( which I have inlcuded ) that stated that there WERE errors on the account and that I would be permanently credited for my disputed transactions ( paying via other means ). I sent a detailed document from my XXXX bank account PROVING PAID BY OTHER MEANS. Recently received email from CHIME denying me my dispute ( regardless of stating the dispute was in my favor ). The reasoning/Chime 's proof was UNINTELLIGIBLE. they sent a practically UNREADABLE document that displays a transaction in a general manner, without OFFICIAL LETTERHEAD. There is NO Proof supplied by Chime/Merchant that would make their proof more legitimate than MINE. I have the proof, chime stated it was NOT in my favor because of an unofficial document THAT PROVES NOTHING
Product: Credit reporting or other personal consumer reports

My account with those creditors 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 those account 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.

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

XXXX XXXX sold or transferred a XXXX XXXX account ( XXXX ) to XXXX XXXX. This XXXX account number XXXX has since been resolved. A full and final resolution resulted in the removal of the XXXX line item from all XXXX of my credit reports. Experian has not removed the XXXX XXXX corresponding line item from my Experian Credit file, but they have removed the XXXX line item. All other credit bureaus have removed both the XXXX XXXX and the corresponding XXXX XXXX line item from my files.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX charged off my account. They reported XXXX different balances to the credit bureau. Also my account was sold to them by XXXX without my knowledge. Under the FCRA this inaccurate information grounds for a removal of the account. I also emailed them and asked for 1099c that I have not gotten an email or call back regarding
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX NA XX/XX/XXXX ONEMAIN XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1200.00} ; XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$400.00} ; XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$400.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1500.00} ; XXXX Inquired on XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I sent letters to the following agencies requesting information on XX/XX/2022 : XXXX. MOHELA DEPT of ED Student Loans 2. XXXX 3. XXXX 4. XXXX For all the agencies I requested the following : 1. provide proof by affidavit or declaration, sworn by wet-ink signature signed under the penalty of perjury 2., produces all relative commercial instruments and/or notices, declarations, publications, with clearly and unambiguously delineate that claimant, was fully and completely apprised of all rights, duties, obligations liabilities, costs, fees in advance or subsequent to the alleged incurrences of the alleged debt, and where there has been full disclosure of all relevant terms and conditions within twenty-one ( 21 ) calendar days of the receipt of the Notice It has been close to 2 months and MOHELA and XXXX has not responded yet. XXXX and XXXX responded but did not produce the information requested. 

I will upload all the letters to all the agencies for more details
Product: Credit reporting

Hi, i just never recieved my free credit report in the mail from all XXXX agencies. Its been over a month now. XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX 10. The following personal information is incorrect Account Number : Employers : XXXX  11. XXXX  XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

12. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Product: Debt collection

I have multiple collection accounts reporting on my credit report from all 3 credit bureaus.

The negative accounts are from me being a victim of identity theft and XXXX XXXX The Fair Credit Reporting Act ( FCRA ) states Removal of Inaccurate or Unverifiable Information under 15 U.S. Code 1681i ( a ) ( 5 ) Deletion of Information Credit reporting agencies must delete any disputed information that can not be verified within 30 days of receiving a consumer dispute.

Key section : If the disputed information can not be verified after reinvestigation, the consumer reporting agency shall delete that item of information from the file of the consumer.

15 U.S. Code 1681c ( a ) Time Limits on Negative
Information Collections, charge-offs, and other negative accounts must be removed after 7 years ( except bankruptcies, which can last up to 10 years ).

Key section : No consumer reporting agency may make any consumer report containing any of the following items of information Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

2. XXXX XXXX  Law Immediate Deletion of Negative Items XXXX XXXX Code XXXX Removal of Adverse Information for XXXX XXXX XXXX XXXX XXXX XXXX XXXX have the right to have all negative credit information deleted immediately under federal law. 

Key section : A consumer reporting agency shall block or delete any adverse information that resulted from a severe form of XXXX in persons or XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I reported the event to law enforcement and to the credit bureaus I also contacted the companies to inform them of fraud and placed security freezes and fraud alerts on my credit file I also filed out a FTC IDENTITY THEFT REPORT I even provided them with exactly who committed the identity theft in my name and they claimed to do an investigation and formally declined the id theft claim I also received information from XXXX confirming identity theft from there identity theft protection program my information was sold during the XXXX data breach and accounts were opened in my name before I was 18 years of age which were removed off my report and even with all of this proof the bank refused to remove inaccurate information from my credit report all of the other banks complied and information was removed however the following banks wont remove information : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Balance : XXXX Bank admitted on recorded phone call that account was fraud but fail to remove information they are fully aware that the account is fraud XXXXXXXX XXXX  Opened : XX/XX/XXXX Balance : XXXX Bank admitted on recorded phone call that account was fraud but fail to remove information they are fully aware that the account is fraud And are not in compliance with FCRA Regulations regarding time frame to provide feedback for identity theft related accounts XXXXXXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance : {$20.00} Lender wont respond to fraudulent account and continues to report
Product: Debt collection

They keep contacting me via email saying I owe money on a debt that is over 8 years old, and I filed bankruptcy over 2 years ago. The statute of limitations in my state is 6 years. This company is named Lela Mae Portfolio group. They have not sent me any information via mail previously requested. They have been harassing me for a few years via email and will not even validate a debt. I've asked to not be contacted and they still do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the account Pacific credit exchange account # XXXX the collection agency has re-aged this account according to the original creditor XXXX XXXX Account # XXXX consumer disclosure file date of first delinquency XXXXOn record until XXXX Pacific credit exchange is reporting XX/XX/XXXX On record until XXXX on my credit report. 

Under FCRA Section 609 ( a ) ( 1 ). this is a violation I have attached a copy of my supporting documentation report with the account in question circled. Thank you for your assistance.
Product: Vehicle loan or lease

Have car loan with ally I have 3 payments remaining and some late fees monthly payments {$380.00} but the balance remaining {$2500.00} it doesn't add up
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX
Product: Debt collection

RSI Enterprises has not reported a payment I made in XXXX of 2014 to the credit agencies and this has affected my credit rating.
Product: Consumer Loan

VW Credit of America CAN NOT resolve their system upgrade issues they had few months ago and they consistently say that I am {$0.00} past due even that I over pay by about a dollar or 2 every month. I have made every effort and talked to supervisors to resolve but I am not getting anywhere. If you look at the attached statements, you will see that i overpay what is being asked from me and yet consistently I get {$010.00} tacked on as PAST DUE. This is not right and they need to fix it. So, I need your help to have them look into my account. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX cfpb closed report immediately as SOP AND JUST mailed a letter. This standard operating procedure of do nothing is a Hallmark of what is in my opinion a corrupt organization, fraudulent and a lie. The facts confirm this opinion time after time. I wrote to edify those who actually believe this is a organization with integrity and character when by fact they have proven over hundreds of complaints to be a sham. They know this as truth but frankly don't give a XXXX! Above us all.