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

XXXX XXXX XXXX continues to report a late payment when they are in clear violation of FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, subpart E. 
( II ) Covered period The term covered period means the period beginning on XX/XX/2020 and ending on the later of ( aa ) 120 days after XX/XX/2020 ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Not authorized to use Name, employment information or previous addresses on credit file not in use on credit accounts. Such private information can be used for instances of identity theft and I am requesting such information be removed from credit report. 

NAMES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYMENT INFO XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

I am Writting to file a complaint regarding an account inaccurately reported on my credit File by XXXX XXXX  XXXX XXXX. Despite removing this authorized User account status with XXXX XXXX  XXXX XXXX it remains on my credit report and its continued presence is inaccurate and unfairly damaging to my credit. Under the Fair Credit Reporting Act 15 U.S.C.1681 e ( b ) This section mandates that consumer reporting agencies must ensure maximum possible accuracy in the information they report. The inclusion of this account on my credit report, despite my requests for removal and the lack of responsibility ( Authorized User ) for the account as an Authorized User, is a clear violation of this requirement. I have no financial responsibilities for this account as an authorized user and have repeatedly requested that XXXX XXXX XXXX be removed from all XXXX  credit bureau I have attached below a copy of my credit reports showing where the responsibility shows as Authorized User
Product: Mortgage

I contacted the loan company to begin the paperwork for loan assumption. I was advised that after receiving the paperwork, the company would send the documents to the VA and that it can take the VA up to XXXX months to process the documents. I completed all documents that were sent to me and returned them to the company. I verified documents were received and the company documented they were received by them on XXXX XX/XX/2023. 
Myself and my husband called several times to check on the status of the assumption and was always advised that the documents had been sent to the VA and they were waiting to hear back from the VA to see if anything was missing or if they needed further information. I then sent a inquire to the VA and received an email back stating that they had not received anything from the mortgage company. I called the VA to verify this and was told they had not received anything from the mortgage company. I then contacted the mortgage company and was told that the status in their system was showing pending funding and that all I needed to do was wait. I then asked to speak to a supervisor and spoke with XXXX employee number XXXX who stated that in the system on XXXX XX/XX/XXXX they had noted that a lead had been created and a mortgage professional should be reaching out to me and that was where the process was. When I asked why it took almost a month from the time I received my documents I was advised that their policy is they have 30 days to process the documents once received. I was informed that once a mortgage professional was assigned to my lead they would contact me and then I would be provided additional documentation that would need to be filed out. When the company originally sent me the loan assumption documents I was advised that they had to send me the documents by mail. Knowing this and knowing that there are other documents that will need to be filled out in their process, and that they after all their process is complete I will still have to wait for the VA to process their portion, I am concerned that my assumption will not be processed in the timeline which has been set out in my divorce decree. I asked the mortgage company if it would be easier and faster to just wait until the divorce was final and remove my husband from the loan then and I was advised that I would have to refinance to do so which is what I was trying to avoid by filing the assumption paperwork. Since they have taken so long to process the documents sent in XXXX, I have since lowered my debt documented on the paperwork by paying off cars and credit cards. My fear is I will have to re fill out all that paperwork and then this long drawn out process will have to start again. When I asked for a copy of all the notes and the timelines of their processing of my documents so that I could have evidence in court that I had done my part and that I was waiting on the mortgage company, they stated that I would need a subpoena. I asked what I needed to do or what they were going to do to resolve this issue and they stated they would escalate it but that it would take an additional XXXX hours to hear back and they would then contact me.
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> I WAS RELEASED FROM XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. UPON MY RELEASE I WANTED TO GET MY LIFE IN ORDER AND GET ON MY FEET. MY FIANCE AT STARTED LOOKNG INTO MY CREDIT SO I COULD GET A CAR AND OTHER THINGS I MIGHT NEED. WHEN SHE PULLED MY CREDIT REPORTS WE FOUND THAT MY INFORMATION WAS STOLEN AND USED TO BE OPEN AT LEAST 20 ACCOUNTS, FROM LOANS TO CREDIT CARDS ECT. AMOUNTING IN AT LEAST XXXX IN CREDIT DEBT. WE DID NOT KNOW WHAT TO DO. SO WE DECIDED TO CALL THESE CONSUMER AGENCIES ( EXPERIAN, XXXX, XXXX ) AND LET THEM KNOW WHAT HAPPENED, BUT THEY TREATED ME LIKE I WAS THE CULPRIT, HANGING UP ON ME AT TIMES, OR REFUSING TO HELP ME ALTOGETHER OR SAYING MAIL IN A DISPUTE THEN SAY THE INFO WAS VERIFIED. I AM STUCK AT THIS POINT IN MY LIFE BECAUSE I CAN NOT GET ANY KIND OF CREDT, NOT EVEN A CAR OR HOUSING DUE TO MY CREDIT PROFILE HAVING TONS OF FRAUDUDLENT DEBT ON IT. AND I THE THREE CREDIT REPORTING AGENCIES IS MAKING IT CLOSE TO IMPOSSIBLE FOR ME TO CLEAR MY NAME. IF ANY HELP S AVAILABLE WITH THIS SITUATION I WOULD GREATLY APPREICIATE IT. I ALSO HAVE WENT TO THE POLICE STATION TO FILE A POLICE REPORT, BUT SO FAR IT HAS HAD LITTLE TO NO EFFECT WHEN IT COMES TO THESE CREDIT AGENCIES OR CREDITORS.
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries. This is fraudulent and unauthorized please this is not mine. I file FTC and create dispute letters for this account but the bureaus are not responded. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Account NameXXXX Account XXXX Account TypeAuto Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedDec XXXX Account NameXXXX XXXX Account XXXX Account TypeCredit Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$6800.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
Status UpdatedOct XXXX Account NameXXXX XXXX XXXX XXXX XXXX  Account XXXX Account TypeChild Support ResponsibilityIndividual Date XXXX StatusOpen. 
Status UpdatedXXXX XXXXXXXX Account XXXX XXXX XXXX Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date XXXX StatusCollection account. {$440.00} past due as of XX/XX/XXXX. 
Status UpdatedFeb XXXX Account NameXXXXXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$320.00} written off. {$320.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXXXXXX ***remove all collection accounts above not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX ***remove above incorrect names, not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX SINGLE FAMILY XXXX FM XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX # NA XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX APARTMENT COMPLEX ***remove above incorrect addresses, not mine, FCRA violation ( XXXX ) XXXX ( XXXX ) XXXX ***remove above incorrect numbers, not mine, FCRA violation
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 XX/XX/year> 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 XXXX  days before the payment due date. 


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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Bank account or service

I have had issues with the Chase bank in the past and nothing has been done about it. They now say they can not see the same transactions that I can when I am at my online portal. Just yesterday I made some transactions and has a positive balance of XXXX remaining. Today there were XXXX negative transactions on my account equaling over XXXX. I am not rich and I am honest. The accounting practices at the Chase bank in XXXX are quite questionable. I have been double debited for transactions ... .I have made this complaint within the past 6 mos as I have lost much hard earned money that belonged to no one but me. I am a tax payer and a citizen of this country. I am becoming very frustrated that when seeking assistance with the transactions against my account I am told by the customer service agent at time they can not see what I see .... in the past I submitted a complaint against Chase and all they did was send me their " Forward Facing Documents '' I assure this is not what is exactly going on. I am again out of money they say I owe them ... but I beg to differ their document they sent is forward facing as its what they want the public to think as they are legal in their transactions but I assure you they are NOT! why the customer and their ways, method, excuses and transactions are quite different and certainly not acceptable is what I want to reveal and I certainly want all of my mistakenly overdraft fees, my double debited transaction placed back into my account I have been a customer for past three years and I most certainly want to close out this account as its is bleeding me dry and I am having financial hardships due to this and no one seems to be able to decipher this at all I want assistance and to compensated for my time and financial hardship that this is causing I am nonetheless being forced to close my accounts with this bank and it is quite frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. JPMCB CARD XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, JPMCB CARD XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00}, JPMCB CARD XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

Kikoff Lending allowed for someone to open an account online with inaccurate information. I have reached out several times with no success. This is not my account and nor did Kikoff receive or perform any ID verification
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX a derogatory mark was added on my credit report per XXXX XXXX from Account Resolution Corporation and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX Images for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Back in XXXX I was enrolled in an Income Driven Repayment Plan with my student loan servicer XXXX and I was never informed when it would expire or what I would have to do in order to extend it. I found out in XX/XX/XXXX that XXXX Reported me to the Credit Bureaus that my payment was XXXX days late. Once i found this out I called XXXX and had the Income Driven Repayment Plan reinstated immediately, and I was never required to make a payment. My credit report from Experian, XXXX and XXXX all still say that i was late XXXX days on XXXX separate XXXX Loans from XXXX 2018.These credit bureaus are reporting incorrect information on my credit report. I reached out to XXXX to see if they would remove these Inaacurate Late Payments and they told me no. I was decieved and taken advantage of by XXXX. And according to the CFPB XXXX XXXX XXXX so were millions of other Americans. That is why the CFPB sued XXXX back in XXXX. This has negatively affected my credit report so badly thst i cant even buy a house. Please help me to remove these inaccurate late payments.
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 items I'm ch

allenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to the credit bureaus on XXXX XXXX 2022 in regards to my account XXXX XXXX account number XXXX and its been over 45days no respond. this is grounds for removal.

The credit bureaus also violated theres rights under these laws : 15 U.S.C 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 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 i attached the copy of the dispute
Product: Prepaid card

Amex pre-paid cards are basically impossible to use. They are rejected no matter how I try to use them ( online or in person ). The pre-paid card should be accepted wherever Amex cards are accepted but that is not the case and it's insanely frustrating try to spend the money on the card. Please mail me a check with the balance of my card so I can actually use the money.
Product: Debt collection

XX/XX/XXXX -Received debt collection from I.Q . Data International , Inc It stated that I owed {$390.00} in fees associated with an application to XXXX XXXX XXXX XXXX XXXX Texas. They shared with me that it was an online application. On the statement, it shows I owed {$390.00} as of XX/XX/24. However, I received the letter in the mail in XXXX not XXXX. I had a really bad experience with the I.Q. company personel and XXXX. I was told I needed to pay it regardless if it was mine or not. It was going to be reported on my credit. I proceeded to make the payment, while under the impression I could be paid back once the disupted was investigated. I mailed off all the required dispute documents to the address listed on the debt collector letter. I sent it certified mail, and I have still not received notification that it was received. I paid {$23.00} for that. I continued to freeze my credit from all three credit bureaus. 
Yesterday, I received another debt collection in the mail. The debt collection agency is XXXX XXXX XXXX XXXX XXXX XXXX I called and spoke with a representative. This was also application fees to another apartment complex in XXXX, XXXX XXXX XXXX XXXX The charges are for {$150.00}. I called an filed a police report with XXXX XXXX Police Department. I was told I needed to contact XXXX Police Department. I did, but I was told they could not help me. I didn't live in XXXX, therefore they could not help me.
Product: Money transfer, virtual currency, or money service

I was traveling in XXXX over the winter holidays ( XXXX XXXX XXXX  ). When I was in XXXX XXXX, I sent myself XXXX moneygram transactions ( ref. numbers- XXXX and XXXX ). On their website they had a list of locations where I would be able to pick up the money. I went to five of the closet locations in XXXX and non of them had money gram. I had to use other services to get the money I needed and had to cancel the money I sent through moneygram. Moneygram has refused to refund me the fees I paid, claiming that they already provided me a service. It's unclear what service they are charging me for since they did not have a location available in any of the five places I went in XXXX. A similar experience happened while I was in XXXX ( ref. no. XXXX ). This time, only one bank, out of three supposed locations, actually had moneygram. However, to get the money, the bank ( XXXX ) told me I actually had to have an account at the bank and that cash-pickup was not otherwise available. In total, Money gram has defrauded me {$16.00} in fees and has refused to refund me. I have spoken to four different persons at money including XXXX, XXXX ( who said her department handles these matters and its not possible to refund me ) and XXXX - who initially said they are not able to refund me then said she could do a complaint and they will see what can be done after I told her I was filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX continues to report to XXXX  a debt that was settled thru divorce decree over 10 years ago. The property and all financial responsibility was ordered by the court to be my x-wives in the decree. I have submitted that to all credit reporting agencies and all but XXXX has removed it. This needs to be removed from my credit. Thank you for your help.
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>