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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : 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 card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

1. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX IN : Account Number : XXXX 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: Checking or savings account

I was very disappointed how US bank handled the situation I had problems with US bank a long time ago and they are just arent a good bank to bank with charge a ton of fees so I had issues closing my account so I had my father who is no longer with me close my account and went to a different bank they just werent very helpful the people at us bank werent very nice just wanted to let you know how we were treated I wish us bank could have handled things better hope this wont happen again and it wont because we wont be doing business with us bank at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I found addresses on my account that i have never lived at and addresses that I haven't lived at in over 10 years. I sent each XXXX, Equifax, and XXXX XXXX letters asking them to remove the incorrect information. And to only show the correct information. They didn't. This is placing me at risk of identity theft. If my personal information is sent to one of those incorrect addresses. 
I also found that my name was missed spelled and missed used as also known as.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the website Experian.com, the account XXXX this account brings out it was opened on XX/XX/XXXX and thus in XX/XX/XXXX it says this was paid, yet for a collection account, and possibly terminated for default. 

This Creditor doesn't seem accurate and thus only leaves there old info ; U.S Depart of Edu/ XXXX/ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IA XXXX XXXX this info be accurate, or an old collection sold to a different deferral student loan? And thus it states the balance amount is {$1200.00}, beginning in XX/XX/XXXX through XX/XX/XXXX, the red marking for late payments mad to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS EFFECTED BY MULTI DATA BREACHES & HAVE THIS ACCOUNT UNAUTHRIZED ON MY FILE
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2024 To whom it may concern, I am writing to request an investigation of the following information on my credit report, that was Previously removed and got re added back by you guys, however the other credit reporting agencies have removed them The charge-off of an obligation with ; XXXX is not mine ; I am not responsible of this account, The charge-off of an obligation with ; XXXX XXXX XXXXXXXX is not mine ; I am not responsible of this account, The Collections with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not mine ; I am not responsible of those accounts, I am a victim of ID theft. People have use my information to open them and also make fraudulent activities. 


To further support my claim, I have attached documentation including : the police report from the identity theft complaint, Also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 



Sincerely, XXXX XXXX XXXX XXXX : XXXX
Product: Checking or savings account

I received an offer from Citibank for their " Citi XXXX XXXX Saving Account ''. The offer detailed the minimum dollar amounts to earn XXXX XXXX XXXX XXXX. They range from {$10000.00} to {$50000.00} to earn XXXX miles up to XXXX. 
The terms were for new savings accounts only. Award miles would be accrued after 90 days of maintaining the minimum balance. 
I have met all of the terms. Citi has not honored the terms. I have called, chatted, and faxed supporting documentation ( their mailed offer ) more than half dozen times. 
I believe Citi is engaging in fraudulent activity involving the United States Postal Service and could or should be prosecuted for this activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the list of items that were opened without my consent : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION 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. 


XXXX XXXX TRANSUNION 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!

Update the late payments from my consumer reports
Product: Credit card or prepaid card

On XX/XX/2021 a charge was put thru on my XXXX XXXX credit card, for like over XXXX. I didnt know about it until I started getting notices from XXXX XXXX that my orders are on their way. I immediately called the credit card company and said please stop all orders I never placed the orders. The representative said they cant stop it. I tried to call ups and usps and whoever was going to deliver the order to tell them to return it it was not authorized by me. XXXX XXXX has the records of me calling so many times. Well XXXX XXXX couldnt stop the order and ups said I have no right to stop it I am not the sender and XXXX XXXX Would have to do it and when I called XXXX XXXX they refused because they said they cant. Well I never got the orders we dont know how they were picked up since I had no control over it. I couls not get anyone to help me. Now I reported fraud on my card for the full balance and now they are holding me responsible and the card company sent me a bill that is due and a new card but how should I pay for something I never charged that is not fair. I had my wallet stolen from a church fundraiser at the end of XXXX and thats when the charges were done. Please help me resolve this it was not my fault. XXXX XXXX is holding me responsible.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. ACCOUNT : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of the data breach and identity theft and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) XXXX XXXXXXXX XXXX bal {$0.00} XXXX  XXXX XXXX bal {$0.00} XXXX XXXX  XXXX XXXX {$16000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX bal {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax gave them all my personal information. It seemed to me the representative was writing down the information or keeping it somehow. I am concerned that the person on the phone kept all my details and could lead to identity theft. After giving them SS #, address and other verifying information she ( XXXX ) told me that I didn't pass the verification. It seemed like a total scam! I was trying to report a small incorrect detail on my report but I didn't even get to the dispute since the Rep 's judgement was that I didn't pass the verification! After all the information I gave her! I think she must have kept it all to use it for her benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a personal loan through my bank because of bad credit I have been at my bank for over 12 years and was confused, When my credit report was pulled, I noticed several things that dld not belong there because It wasn't me. I got the police department and FTC involved. XXXX, XXXX, XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

Back in XXXX XXXX XXXX XXXX  and was not able 2 pay so they changed me all dis fees n I was out work fa XXXX XXXX I'm just go XXXX to work XX/XX/XXXX plus they put a bad mark on my credit report Ra late payments 60 days late I never miss a payment I been with them fa 4 years and they can't work with me XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion. I have contacted them every 120 days for at least XXXX years to dispute. The fact that my loan that is nearly XXXX XXXX XXXX is reported incorrectly. I have a loan that was in forbearance. Trans Union is the only credit reporting company that list this loan XXXX different times as paid late and refuses to correct this information. XXXX and XXXX have deleted these loans because the information was proven false. I have handwritten notes, I have called, I have contacted the loan person directly, and nobody will fix this information. So now its a formal complaint, I want this information deleted from my TransUnion report and I want my score corrected. There is over XXXX points difference between TransUnion and my other XXXX accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX this year possibly sooner my account was frozen and card shut down XXXX fear of account takeover. Spent the following months verifying identity, awaiting 3 investigations all to work in my favor but remained without access to credit line. Repeatedly told month after month new card on the way. Finally novemeber after making all monthly payments on time for 2 years and no bad history yet still without access I called to cancell account. Manager level 3 got on phone and said weren't gon na ask for anymore payments till card was delivered but there would be another 5 business day delay then mailing. So XXXX and XXXX  they would not ask for payments and all monthly fees for past 4 months were refunded as an apology. XXXX comes and reports late payment 30plus days which is possibly interfering with loan application for hurricane damage. Contacted company numerous times. No resolve. Have requested account closure since XXXX if company can't provide card of access to credit line.
Product: Debt collection

Dynamic Recovery Solutions , LLC, the company says that i own XXXX dollar when in reality, i paid all my bills and have a good credit scored, they keep sending threatened letter about money that they want from me.The company is a scam, the name is Dynamic Recovery Solutions , LLC
Product: Credit reporting

I had a car loan with XXXX XXXX that was paid as agreed and never late. Recently I checked my credit reports online and they have XXXX XXXX showing up with several negative marks.
Product: Debt collection

On Thursday XX/XX/XXXX I picked up the phone when a representative from this company called me. She refused to answer even basic questions I had about what the debt or call was in regards to, was extremely rude, insulted me ( " good luck with getting out of debt '' ) and would not respond to my request to have something sent to me in writing per the FDCPA about what the debt was in regards too -- I had never received anything for the amount she was calling about and had no record of what the debt was about. 

Since then, I have been getting called three to four times a day from the number and when I answer the person on the other end hangs up on me. I have also received calls before XXXX ( XX/XX/2021 ). To me, this feels like very clear retaliation for questioning a combative and rude stranger who was attempting to get personal information about me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Last XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXXXXXX has ask clarity services to unfreeze my clarity report. I have written 3 letters with all verification documents to remove freeze and issue me a new PIN number seeing as I misplaced my old one. This is an affecting my credit worthiness an has caused me to miss employment opportunities because clarity services will not remove freeze..
Product: Vehicle loan or lease

XXXX ( Nissan Motor Acceptance Corporation ) is in violation of multiple FDCPA laws. I have highlighted them in the " contract ''. They have been charging me monthly payments on a vehicle that has a positive balance, that is false representation of the amount of a debt. The finance charge, amount financed and The total of payments are all violations. If it is indeed a debt and it is owed it should be shown in the negative. So far the amount that has been paid to date is {$25000.00}. I have sent an invoice to the company to have them repay me all of this as well as my down payment and for the violations. I have not heard anything back from them
Product: Debt collection

On an unknown prior date, I received an e-mail from " FCR Collection Services '' about an attempt to collect a debt. The only information provided was my name and an " account number '', with a link to a website XXXX. The e-mail also included numerous spelling errors and did not include the name of the creditor, the amount owed, any information about disputing the debt, or any contact information for the debt collection service other than the website and a phone number. I reported the e-mail as a phishing attempt via XXXX 's e-mail reporting feature. 

I never received any physical mail about this supposed debt. 

On XX/XX/2021 at XXXX XXXX  I received a text message from a number unknown to me ( XXXX ) XXXX, the entire contents of which was : " ( my first name ), FCR Services is a debt collector for your XXXX  account. To view terms, account details, or pay please click : XXXX XXXX XXXX '' I saw this message the morning of XX/XX/2021. Since this time they did indicate the name of the creditor, and I knew I did have an XXXX  ( electric car charging ) account, I searched my e-mail for " FCR '' and found another e-mail in my spam folder similar to the previous. I accessed the website www.paymybalance.com with my " account number '' from the e-mail, my phone number, and my zip code. The site listed a balance due of {$11.00}. The website had a link to dispute the debt. I completed their dispute form and attached my current invoice ( XX/XX/2021 ) from XXXX showing {$0.00} balance. 

I never received any confirmation of the dispute, but several hours after disputing the debt I did receive another similar e-mail that " FCR Collection Services '' was attempting to collect a debt. 

I'm still not entirely certain that this isn't a phishing attempt. Their communications have not included the required information including a contact address so I am unable to mail the CFPB-recommended dispute letter.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX C XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX