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

In   XX/XX/XXXX  I  reviewed my credit report and a  XXXX  account that I did not recognize was reporting on my credit report as a charge off with a    XXXX   XXXX   bal ance. I was informed that I could get a loan with this unpaid charge off on my credit report. I challenged the account with the credit bureaus and Equifax and   XXXX   verified the account.  XXXX  stopped reporting the account. Equifax and  XXXX  referred me to  XXXX . O n  XX/XX/XXXX   I  w rote my first letter to  XXXX  asking for validation of the debt with information on the origins of the account, date opened, date of first deliquency, what was purchased and proof that I opened the account. I was concerned that my identity might have been compromised. I received a generic letter back from  XXXX  in essence stating that the account was charged off and that the balance is {$24000.00}. No information that ensured me that I opened this account or that it belongs to me. I would think that I would remember charging up {$24000.00}. For the record, I do not believe I did.     I have sent two other letters, ( one on   XX/XX/XXXX  and the other on  XX/XX/XXXX  ) s tating that I believe that the  XXXX  account was opened without my knowledge or consent.  XXXX  has not responded to either letters. Equifax and  XXXX  continue to report the account as a open charge off with balance from  XXXX .     It has now been 8 months and I wrote  XXXX  a letter on   XX/XX/XXXX  to c ease all reporting of this account for failure to send me needed documents to show how I have a financial obligation the  XXXX   Credit Cards. S ince this is now my  4th let ter, I can not waste anymore time. I have given them 10 days from receipt to either to remove the reporting or send all paperwork that illustrates that this account is mine. I feel that  XXXX  is breaking the law by not sending me required information so that I can make an educated decision on what to do next. I feel  XXXX  is being punitive by not resolving the issue and that it is my understanding that they can not ignore my request to validate the debt or conduct an in-depth investigation if I feel I did not ope the account.     According to the  C.F.P.B.,  what are my rights as a consumer? I thought the burden of proof was on the furnisher on the data reported to the credit bureaus. Why is  XXXX  exempt in sending requested data to the consumer? I appreciate your efforts in helping me in this matter.
Product: Credit card or prepaid card

I paid XXXX XXXX XX/XX/19. {$800.00} with credit cards # XXXX to replace siding on my chimney. They didnt replace the siding but cleaned and repainted the old siding which had some rot spots. Repairing the rot wasnt in the contract only replacing it. I tried contacting them several times but no response by cell XXXX and work XXXX which wasnt in service so on XX/XX/19 I filed a complaint with Chase # XXXX. Chase rep XXXX who took the complaint # XXXX and called them while I was on the line before he completed it. I never received the complaint by mail so I called them and found out that it had been closed because of no response from me. XXXX XXXX said that he wasnt contacted until he got the chargeback which was a lie. Chase refiled the complaint # XXXX XXXX and I got the mail within 10 days. I had the XXXX branch manager fax the documents ( cashier check # XXXX XXXX  XXXX XXXX XXXX dated XX/XX/19 and statement of payments on XXXX  XXXX XXXX checking acct. XXXX a rep fax the picture of the new repairs by XXXX XXXX which I had to pay again to replace the siding that XXXX XXXX didnt as requested by manager XXXX in complaint department. My complaint was declined because I was told that it was untimely by a manager named XXXX on XX/XX/19. XXXX requires banks to charge back payments if you didnt get what you paid for and I didnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 


XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$2200.00}, XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX XXXX  Balance {$3900.00}
Product: Credit card

The guest booked a vacation rental through my website, www.goodmorningrentals.com. Upon booking, they submitted a signed rental contract, their ID, and payment for the rental. Notably, the name on their license matches both the contract and the Wells Fargo credit card used for payment. During the checkout process, the guest 's identity was further verified via their fingerprint, which was captured by the payment processor, XXXX. Throughout their stay, communication with the guest occurred via text messages, wherein they expressed satisfaction with their experience. Additionally, video footage and photos captured during their stay corroborate their identity as per their license. 

Following their stay, the guest initiated a dispute with Wells Fargo, claiming the transaction was fraudulent. Subsequently, a credit card dispute was raised with the payment processor, XXXX, which escalated the matter to the guest 's bank, Wells Fargo. Despite providing comprehensive evidence, including the signed contract with matching IP address, email, and phone number, as well as communication records, the dispute was ruled in favor of the cardholder. 

The decision cited reasons such as discrepancies in the name, email address, and phone number, though these details align with those provided during the transaction. The demand for emails as a means of verification is perplexing, as emails are inherently unverifiable. This appears to be a clear case of fraudulent activity on the part of the individual. 

Efforts to contact the individual for clarification were met with hostility, further suggesting deceitful intent. The initial payment received from the guest amounted to {$1000.00} on XX/XX/2024. However, on XX/XX/2024, XXXX debited {$1100.00} from my account, inclusive of fees. The disputed amount lost through XXXX totaled {$1100.00}. 

In summary, the evidence presented overwhelmingly supports the legitimacy of the transaction, making the ruling in favor of the cardholder 's fraudulent claim unjust and financially burdensome.
Product: Mortgage

Back in XX/XX/XXXX I was behind on my mortgage payment, I had a true hardship The amount owed as of my statement dated on XX/XX/XXXX was for XXXX. I went to a HUD approved agency I met with a housing counselor and they were able to assist me with reinstatement funds, the agency send a payment to Citi mortgage on XX/XX/XXXX for the amount of XXXX. On XX/XX/XXXX the check was returned back to the agency, they stated that they did not know what account to post the check to, the check was sent back XX/XX/XXXX and the check had the loan number circled, XX/XX/XXXX XXXX received notice from the foreclosure law firm that the loan was in foreclosure. and she was sent a reinstatement figure of XXXX with a due date of XX/XX/XXXX, XXXX was able to pay the amount on XXXX to stop the foreclosure, the agency never received the money hat they had sent of XXXX. I called Citi and they stated that the check was received after XX/XX/XXXX and that was the date that the foreclosure was filed. Called today and they can not tell me if the monies was posted on to my account
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX 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 to o 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. 

XXXX XXXX XXXX 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 card

Following XXXX XXXXXXXXXXXX XXXX and XXXX from XXXX XXXX in XXXX from XXXX - XXXX and being therein microagressioned and gaslit from foreign employment relevant to intentional socioeconomic and financial foundational destabilisation ; to a later period following of which from XXXX ; a myriad of otherwise XXXX, XXXX XXXX, and XXXX companies would have undertaken a myriad of consumer oriented abusive directed actioning and illustrationing towards that of self. To wheresoin on any examination of utilising that of a stated product or consumer, even to regard of actually paying for such stated service ; various technological and otherwise consumer based organisations would have illustrated to regard of representationalising, associating, and proximalisationing that of female employees working at their stated company, directed at arranged psychological even if not actualed relationing to Younger Brother XXXX XXXX XXXX to own further basis of socioeconomic and otherwise extrapolation or exploitation pertaining to identity trafficking and thefting ; even to a sense of paying for that of their consumer services. To wheresoin on utilising any such therein stated consumer services, a female employee therein posited to current or otherwise future arranged relationing to XXXX XXXX XXXX ; would be engaging to a sense of corporated abuse towards own regard of data harvesting and privacy informational XXXX, therein to furtherwise destroy own basis of life and contribitionalise towards directed socioeconomic deprivationalisationing, impoverishment, and degradalisation of foundational wellness to self ; therein to that of his and their therein coupled relational gain or gratification given abuse of employee position ; such therein represented to any and every sense of consumer, professional, or commercial utilisation even if paying for stated services ; and posutulating that to every sense of eradicating own basis of which to life simply being to the interests of the organisations consumers to therein cover up such arrangemented relational fraud towards own extrinigication, abuse, and exploitation relevant to organ surrogisation, XXXX and harvesting. Such would have occurred across a range of different companies ; relational to Bank of America, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX ; similarly relevant to that of a myriad of Law Enforcement and Government orchestration oriented to empowering Commercial firms to the consumer exploitation of self ; towards dismantling, degrading, and destroying similarly the ability to engage in Commerce.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A tax lien was placed on my credit reports, but has since been paid in full and released over a year ago. It has been removed from my report by XXXX, but XXXX and Equifax wo n't remove it and tell me to contact the County Clerk. I did and they said it 's the credit bureaus that are keeping it on there, not them and if it were up to them, they 'd remove it because it was paid in full. I contacted the credit bureaus multiple times and they keep saying I need to contact the county clerk. It 's a big run around and I 'm sure they hope I 'll just give up. I wo n't. I want them removed from my report. I paid it off in full and it should be gone. I will take them to court for false reporting if it does n't happen. I 'm giving them a chance to fix it by filing this complaint first.
Product: Credit reporting, credit repair services, or other personal consumer reports

The financial institutions below continue to violate my right to privacy. I have disputed this information with Transunion, XXXX, and XXXX, and have not received a response. I also filed a FTC identity theft complaint, as well as a complaint with you, the Consumer Financial Protection Bureau, -whom has successfully transmitted my complaint electronically to Transunion XXXX XXXX, and XXXX XXXX It has been more than four ( 4 ) days and the information is still reporting, and has not been blocked per 15 U.S. Code 1681c2. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I've consistently ensured that payments on this account are made on time, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to the XXXX XXXX Account Number : XXXX entry listed on my Transunion report. I have contacted Transunion several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account is in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims action. In the abscence of any such documentation I formally request that this information be immediatedly deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries occurred without my approval. Ive been the victim of identity theft and I dont recognize any of these inquiries/companies on my report. 
1. XXXX XXXX XXXX XXXX  : XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
2. CIS Credit Solutions : XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
3. XXXX XXXX ( XXXX ) XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
4. XXXXXXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
5. XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
6. XXXX XXXX XXXX XXXXXX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
7. XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I sent {$220.00} to a seller through Zelle for sports tickets. After sending the money, the seller stopped responding and did not send the tickets. I have tried contacting them, I have reached out to the bank to see if there is a way to do a charge back to my account, and I have contacted Zelle.. They advised that I could request my money back from the person I sent it to, but also told me it is highly unlikely that I will get it back. There has got to be some way to reclaim money send directly from a checking account when it is obtained fraudulently.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX Account Dear Sir/Madam, I am writing to formally dispute the inaccurate information reported on my credit file concerning my XXXX XXXX account. The discrepancies between TransUnion and XXXX reports violate provisions under the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) regulations. I request an immediate investigation and correction of these inaccuracies. 

Account Details : Account Number : XXXXXXXX  Account Type : Revolving Charge Account Date Opened : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) Balance : {$8100.00} Credit Limit : {$8200.00} Monthly Payment : {$230.00} Past Due : {$400.00} Payment Status : Late 60 Days ( TransUnion ) / Late 30 Days ( XXXX ) Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) Date of Last Payment : XX/XX/XXXX Discrepancies Identified : Payment Status : TransUnion XXXX Shows Late 60 Days. 
XXXX : Shows Late 30 Days. 
Date Last Active : TransUnion : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
Two-Year Payment History : TransUnion : Indicates 60 days late for XXXX and XXXX XXXX 90 days late for XX/XX/XXXX. 
XXXX : Indicates 60 days late for XXXX and XXXX XXXX 90 days late for XX/XX/XXXX. 
Date Opened : TransUnion : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
Request for Action : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit bureaus are required to conduct a reasonable investigation when a consumer disputes information on their report and to correct any inaccuracies found. Additionally, the Federal Trade Commission ( FTC ) mandates that credit reporting must be accurate and complete as per their guidelines on fair credit reporting. 

Verify the actual payment history and status of my XXXX XXXX account. 
Correct the payment status to reflect accurate information consistent across both credit bureaus. 
Update the date last active and date opened to ensure they are accurate. 
Align the two reports to reflect consistent and accurate information. 
Supporting Documentation : Enclosed are copies of recent XXXX XXXX account statements that clearly demonstrate timely payments. These documents should assist in verifying and correcting the inaccuracies. 

Legal Basis : In accordance with 15 U.S.C. 1681c, information on a credit report must be accurate and reflect the consumer 's true credit history. The discrepancies in payment status, dates, and account details reported by TransUnion and XXXX violate these provisions. The FTC enforces that consumers have the right to dispute and rectify such inaccuracies, and credit bureaus must address these disputes promptly. 

Please investigate this matter thoroughly and correct the inaccuracies as soon as possible. I expect written confirmation of the corrections made to my credit report. Should you require any further information, please contact me at the details provided above. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the continued presence of inaccuracies on my credit file, despite multiple attempts to rectify the situation. The persistence of these inaccuracies is not only affecting my creditworthiness but is also hindering my financial opportunities. I urgently seek your assistance in resolving this matter. 
Despite my persistent efforts and adherence to the dispute procedures, the inaccuracies persist on my credit file. This situation is critical, as it is impacting my financial stability and credit opportunities. 
I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. 
Fast-track removal of the inaccuracies from my credit file. 
Transparent communication outlining the resolution process and the steps taken to address this matter urgently. 
Attached, please find copies of the supporting documentation for your reference during the expedited investigation. 

I emphasize the urgency of this matter and the significant impact it has on my financial well-being. As a consumer, I rely on the accuracy of my credit file, and it is crucial that these inaccuracies are promptly and definitively addressed. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted an Unauthorized Hard Inquiry Dispute Letter in writing via priority mail, tracking number XXXX, to The Experian Credit Bureau. I Requested that ( XXXX ) Hard Inquiries Be Removed because they were ( Not Authorized ) by me. I contacted Experian Customer Service Dept today XX/XX/XXXX and was informed that the Inquiries will remain on the report unless I submit my fraud complaint to the Federal Trade Commission therefore, I am making this formal complaint as requested because I did not authorize these Credit Inquiries and as a result, I am being denied credit opportunities that I have worked Hard to achieve.