23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX/XXXX/15 -- Due to recent concerns about possible identity theft, I filled out and postal mailed an " Annual Credit Report Request Form '' to Annual Credit Report Request Service, XXXX. XXXX XXXX, XXXX, XXXX XXXX. Due to the language on the form, I included photo copies of my valid XXXX Driver 's License and Social Security Card. 
XXXX/XXXX/15 -- To date still have not received a report from Equifax. My understanding of the " The Fair and Accurate Credit Transactions ( FACT ) Act '' states I ought to be entitled to a copy of my annual credit report from Equifax. The other XXXX companies, XXXX and XXXX were professional in their respective responses. 
Several phone calls into Equifax have been unsuccessful.
Product: Credit reporting or other personal consumer reports

This was my follow up complaint regarding the remainder items that still needed to be REMOVED. Under Section 605B of the FCRA, you are legally obliged to remove accounts opened as a result of identity theft. The disputed entries are not mine. I am including the required FTC Report, as my findings indicate that both entities require these documents for a dispute. Please proceed with the removal of these entries. If there's any belief that these entries might belong to me, I request all documents bearing my signature as proofthis verification is crucial to confirm the accuracy, truthfulness, and completeness of each item. Should you fail to provide such documentation and still assert that these entries are verified, please be informed that I am prepared to take legal action. I do not tolerate negligence or noncompliance lightly, nor does my legal counsel. Please ensure the following entries are removed as they were opened without my consent or knowledge, according to Section 605B of the Fair Credit Reporting Act : EXPERIAN : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

my mother has been stealing my identity i did not have a car loan with XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports from XXXX, Equifax, and XXXX, I discovered that XXXX XXXX XXXX XXXX XXXX XXXX has reported as a collections account. However, when researching XXXX XXXX XXXX XXXX XXXX XXXX XXXX I found that they do not hold the required Third Party Debt Collector license from the Texas Office of Consumer Credit Commissioner as mandated by Texas Finance Code Chapter XXXX for debt collectors operating in the state of Texas XXXX 

As I am a resident of Texas, any debt collection activity conducted in my state of residence must be done by properly state-licensed collectors according to the Texas Debt Collection Act. Since XXXX XXXX XXXX XXXX XXXX XXXX lacks the required state debt collections licensure in Texas XXXX I formally dispute this tradeline on my credit report and request that it immediately be removed. Reporting of illegitimate, disputed or inaccurate information to credit reporting agencies violates federal law, specifically the Fair Credit Reporting Act. 

Please investigate this disputed account from XXXX XXXX XXXX XXXX XXXX XXXX and remove it from my credit files immediately due to the lack of proper state licensure.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX637 ( 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! 


Update the late payments from my consumer reports
Product: Debt collection

Commonwealth Financial Systems has been trying to collect a debt of {$910.00} from me from a hospital visit I had in XX/XX/XXXX. I've tried to work with them with no luck.

Now they have added a " new '' debt, with an " date opened '' of XX/XX/XXXX. This is causing two collections on my credit for the same debt, with one being for {$910.00} and one for {$920.00}. The one for {$920.00}, was with their {$10.00} fees included on it, but not listed. The original " debt opened ''.

How is it legal to report the same debt twice on my credit report. They have been very harassing and uncooperative with this debt since it fell into their hands years ago.
Product: Credit reporting or other personal consumer reports

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Hi i have been trying to contact cash app regarding on them closing my account without my concent my account was hacked and my money was stolen from it and cash app has not contact me back regarding this matter and they say theres nothing they can do right now they are not trying to fix my issue please help
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a digital mail from Synchrony informing me that my credit limit had been decreased from XXXX to XXXX the account 's current amount. I have an outstanding payment history, and I have purchased large-ticket things and paid them off in monthly payments. Prior to the modification My credit usage was 33.4 %, and my payment was due on XX/XX/XXXX. The final aim was to be under 30 % in order to increase my credit score. This month, I've been paying off department store credit cards according to their due dates. Walmart, XXXX, and major credit cards to a XXXX balance. My objective for the XX/XX/XXXX payment was to pay the entire amount. The credit limit was cut from from XXXX to XXXX with 95 % of the credit utilized. The strategy to detect weakness and financial default has impacted my creditworthiness. I am now in the mortgage process, home loan shopping and underwriting process with XXXX This explains " too many queries. '' Credit cards with large amounts were paid in whole or decreased to less than 30 % utilization. XXXX loan searching and underwriting. This will explain " too many inquiries ''. Credit cards with large amounts were paid in whole or decreased to less than 30 % utilization. Syncrony 's assumption about my creditworthiness is incorrect. This is not the first time Synchrony has reduced credit. I had XXXX more cards with Value City and XXXX in the same circumstance. I paid the bill in full after the decrease to prevent the XXXX % utilization recorded to the credit agencies. I was punished by having to close the accounts. Because of the credit reduction and paying the balance in full, I lost XXXX points, this is a huge impact especially trying to purchase a real estate property. Ashley furniture has suffered a credit decrease. I have no alternative but to pay the bill in full to avoid high credit usage reported to the XXXX bureaus Historically, Syncrhony will close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit file I have fraudulent accounts that I want to get verified with copy of the original contract, signature and any other evidence to confirm the account is valid, if the company can't provide the solicited documents I want to get the fraudulent accounts removed from my credit file under section XXXX. 

Experian Won't process my dispute online appears this message : Dispute Can't Be Processed Online For security reasons, we can not process your dispute online. Please contact us by phone so we can best assist you. 

XXXX Mon - Fri : XXXX - XXXX The fraudulent accounts that I want to get investigated under the section XXXX are : Account NameXXXX XXXX  Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX Account NameXXXX XXXX XXXX  Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeAuto Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 

Account NameXXXX XXXX Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date XXXX StatusCollection account. {$1000.00} past due as of XX/XX/XXXX. 

Account NameXXXX XXXX Account XXXX Account TypeAuto Loan ResponsibilityIndividual Date XXXX Account NameXXXX XXXX XXXX XXXX  Account XXXX Account TypeXXXX ResponsibilityIndividual Date XXXX StatusPaid, Closed. 

Account NameXXXX XXXX XXXX XXXX Account XXXX Account TypeXXXX  ResponsibilityIndividual Date XXXX StatusPaid, Closed. 

Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeXXXX ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedApr XXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeXXXX ResponsibilityIndividual Date XXXX StatusOpen/Never late. 
Status UpdatedXXXX XXXXXXXX Balance {$8800.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$8500.00} Highest Balance {$0.00} XXXX Months Account NameXXXX XXXX XXXX Account XXXX Account TypeXXXX ResponsibilityIndividual Date XXXX StatusOpen/Never late. 
Status UpdatedXXXX XXXXXXXX Balance {$3700.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$3300.00} Highest Balance {$0.00} XXXX Months
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. 

failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Debt collection

1. Lvnv Funding LLC XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX BE ADVISED, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but A request for " Validation '' made pursuant to the above-named TITLE and Section. I respectfully request your offices to provide me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices keep reporting invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX AND XXXX ) THIS ACTION MAY CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. You are in VIOLATION OF the Fair Credit Reporting Act, VIOLATION of the Fair Debt Collection Practices Act, and DEFAMATION OF CHARACTER ( per se ). These Accounts are not mines.
Product: Credit reporting or other personal consumer reports

Equifax is reporting income to consumer 's report. The IRS has accepted this as reported income and 1099C cancellation of debt by XXXX XXXX account number # XXXX was received from IRS. Equifax is inaccurate reporting income a certificate of indebtedness to my consumer report. I have attached my personal identifying information such driver 's license and utilities bill. 
XXXX XXXX XXXX XXXX # last XXXX digits # XXXX XXXX XXXX XXXX XXXX KY XXXX
Product: Vehicle loan or lease

The car I had was in a accident and totaled because of accident I cant no longer work at the moment to keep the paying the car payment Im stuck with I was trying to to file XXXX but not making any money at the moment so they continuously harassed me I have court documents that they have sued me for the remaining balance even tho I communicated the situation which I am in at the moment
Product: Debt collection

LVNV FUNDING, LLC. $ XXXX XXXX. 
COLLECTIONS OF A DEBT PASSED THE STATUTE OF LIMITATIONS IN WY. 
INCLUDING FEDERAL STATUTE OF LIMITATIONS. 
DISCHARGED IN BK # XXXX JOINT ACCT. 
*DISPUTING THE ILLEGAL COLLECTION PRACTICES OF THIS FIRM. *
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I received an email from Venmo asking for {$400.00}. The picture, name, and ID all match my wife 's account so I paid it. As soon as I paid it, the picture changed to a woman who was not my wife, and the name changed to @ XXXX. I feel like Venmo should have better protected our accounts and not allow a scammer/hacker to use my wife 's name and picture. I contacted Venmo and they refuse to look into it or try to recover my {$400.00} from the scammer. I also contacted XXXX XXXX XXXX XXXX County Police and they were hesitant to grant a police report because they said there is no way they will catch the scammer and that will be the only way to get my money back. I place my trust in Venmo to protect my accounts and not allow hackers to use my wife 's info. Venmo says they are not responsible but I have seen very similar cases on this site when Venmo refunds the full amount which is usually over {$400.00}. I am asking Venmo to refund me the full {$400.00}. Screen shots are attached - take note of how the name and picture change once I paid it. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
Account Name : Account Number : Charge : Date : XXXX/XXXX XXXX   {$3600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX I have enclosed my FTC Identity Theft Report, proof of my identity and a copy of my credit report showing the fraudulent items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply. Sincerely,
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

Please delete the following items off my experian credit report. 

XXXX XXXX  XXXX XXXX : I have no knowledge of this account. Delete XXXX XXXX XXXX XXXX XXXX : Never made a late payment XXXX XXXX XXXX XXXX XXXX : Never made a late payment XXXX XXXX XXXX : Never made a late payment, inaccurate delete XXXX XXXX : I have no knowledge of this account XXXX XXXX XXXX XXXX : I have no knowledge of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I WROTE AND SENT A LETTER EQUIFAX, XXXX, AND XXXX TELLING THE TO PLEASE REMOVE OFF OF MY CREDIT REPORT. TO THIS DATE I HAVE NOT RECEIVED ANY INFORMATION. I HAVE TRIED TO REACH OUT TO THEM AND NO ONE HAS BEEN ABLE TPO HELP. ME. I WILL ATTACH ALL THE DOCS THAT I HAVE MADE AND SENT.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. Despite these attempts, the erroneous details continue to appear, and no corrective action has been taken. 

Failure to Investigate ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus have not completed the investigation within the required 30-day period, leaving the inaccuracies unresolved. 

Inaccurate Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information reported on my credit report remains inaccurate, as the credit bureaus have not ensured its maximum possible accuracy. 

Outdated Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus have continued to report outdated information past the time frame required for removal.
Product: Credit card

Hi, My complaint is with CareCredit. I was under the impression that I had XXXX XXXX interest for the first XXXX years if I paid my monthly minimums on the due date. I have paid consistently on time and sometimes more than the minimum. I did not know what the interest rate would be after that time limit. I was too happy that they allowed me credit to get my eyes fixed so I trusted the company. I noticed with time that I was being charged interest and assumed maybe I didn't understand so I let it pass. Until I saw my statement for XXXX with an accrued interest of {$850.00} on my balance of {$1000.00}. I talked to a representative and she said that was what had accrued because I did not pay in full the balance. I did some research and discovered that the company was charging more than XXXX XXXX interest rate. I dont know what the original interest rate was that they charged me because they wont give me the XXXX-year statements. If there can be anything done to reduce that interest rate, I would really appreciate it. Thank you for your help. XXXX XXXX
Product: Credit card or prepaid card

Chase bank ( XXXX, DE ) Offers a promotional loan at no interest for many months, with an upfront fee. These terms are clearly stated on the web page. So far this is acceptable. But what the bank fails to disclose UP FRONT is that once the loan is completed any further charges on the credit card incures interest immediately. Another way of stating this is the normal grace period until the next monthly statement is eliminated. This is fraud by deception.
Product: Credit reporting or other personal consumer reports

I recently was informed through email my information has been leaked in a data break and I have asked for the information to be removed from my credit per the federal law Fair Credit Reporting Act ( FCRA ) 15 USC 1681
Product: Debt collection

First thing first they have a account on my credit report twice for the same amount and then telling me that it is valid without validating the debt. The company has been permanently closed and no longer in business and they are trying to collect a bogus debt. Rent Recovery for the amount of XXXX is listed on my XXXX account twice and they are telling me that it is legal. I contacted an attorney yesterday and if it is not corrected and fixed I am going to sue to the fullest extent of the law. I will not stop until it is corrected and fixed. I will be contacting the attorney general and the federal trade commission this has caused me so much stress and they fail to address it or correct it. How is reporting something twice for the same amount legal when I do no owe anything. I want it investigated and deleted this is not the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XXXX  After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XXXX I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected.