23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

we try to seek help from them, one day we call asking for the opportunity to have our payment from XXXX to skip but they say no until the XXXX month, and then we ask to have the XXXX payment paid by Friday the XXXX of XXXX meaning we got one payment behind, because the XXXX payment was on the XXXX plus the 10 day grace period, and at that time was only XXXX payment behind, and they took the car on the XXXX of XXXX, and then they said that they don't have any note on the system and I also talk to the manager but they said, that don't care what we do, under the fair collections practices act they already violate our rights, this was anon fair practice. and then they call us to see if we can give them XXXX by the same weekend we ask them to pay the XXXX payment, but now they were adding the tow fees. so we wouldn't not going to pay the tow for this unfair collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity thief and this company have been ignoring my request of investigation, i have been sent everything need it including a policy report, i been totally ignore by this company. please help me as some accounts that are not mine is been report to my credit report. 

see attached, letters been sent and yet ignore proof of my identity and policy report.
Product: Money transfer, virtual currency, or money service

I have a youth organization where I mentoring at risk youth through the sport of basketball, so I registered them for a local basketball tournament ( {$220.00} ) which turned out to be a scam. I reached out to the organization ( XXXX XXXX ) with was supposedly hosting the tournament me and they constantly keep text and emailing me that the refund was being proceed which will take 7-10 days its been over a month and now no response. After further research I've discovered that this company ( XXXX ) has been scamming people all over. I reached out to my bank Chase and all they could say was because I sent the money through XXXX its nothing I could do. We are a small organization on the south side of XXXX trying to help our between the age of XXXX and don't have a lot so {$220.00} is small to other but enormous for us. I feel like I didn't request my bank to add XXXX to my banking option and NO ONE from their company fully informed me of the precautions or operations of XXXX and figure because it in my banking options that it is safe to use or was backed by the bank. I just need some help trying to get our {$220.00} back so we can continue helping our community.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my deep concern over the failure of XXXX, Experian, and XXXX, the three main credit bureaus, to validate and research the debts listed on my credit reports in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my diligent efforts, including sending validation letters and making phone calls, these credit bureaus have not provided the required verification within the prescribed timeframe. This disregard for legal mandates has left me questioning the accuracy of the information on my credit profile and eroded my trust in their compliance with consumer protection laws. I urge for a comprehensive investigation into this matter to ensure the credit bureaus ' adherence to these vital regulations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor did not notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

XXXXXXXX XXXX XXXXXXXX Paid as agreed. 
XXXX Paid as agreed. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

You are also in Violation of The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.I am in fact a consumer and never gave you written permission to furnish these accounts on my consumer report. I DEMAND you to remove asap. 


XXXX XXXX XXXX XXXX XXXX XXXX, 2020 Remove from my report
Product: Debt collection

i found. This on my credit report i don't know what is it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX. XXXX Customer Data Breach ( Case XXXX ) I have been impacted by XXXX and XXXX XXXX XXXX, XXXX ID Theft XXXX ), my SSN being used as a personal gain. I have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) The accounts are : XXXX XXXX : # XXXX, Balance : {$5500.00}, Open Date : XX/XX/year> XXXX XXXX : # XXXX, Balance : {$9200.00}, Open Date : XX/XX/year> XXXX XXXX : # XXXX, Balance : {$7700.00}, Open Date : XX/XX/year> I have attached to as well : XXXX XXXX XXXX Impact Notice ; NC government-issued ID ; SSN ; XXXX Affidavit ; FTC Report ; Self-Attestation Form ; Affidavit of Truth. 
The presence of the inaccuracy XXXX XXXX XXXX, due to XXXX and XXXXXXXX XXXX XXXX, as I am a consumer along as being a rewards member of XXXX, has affected my business credit report, as i just found out about the XXXX cards. I am seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted Federal agencies to assist me with this matter. My consumer rights have been tarnished and violated. Experian has reported the negative information on my credit file without my consent. I have never signed any application permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but neither Experian nor the reporting Furnisher ( XXXX ) has provided documentation. This raises serious concerns about Experians compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. Under the Fair Credit Reporting Act ( FCRA ), s15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately, remove all fraudulent information from my credit file ; notify any third parties to whom this fraudulent information may have been reported ; and provide confirmation in writing that the requested changes have been made to my credit report. I certify under penalty of perjury that the information provided in this notice and its attachments is accurate. XXXX XXXX, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I have tried numerous times over the years especially the past year to have the credit bureaus accurately verify my account. They keep sending emails about the dispute being accurate. They have NEVER provided me PROOF of ANY documentation that proves these alleged accounts belong to me. Between all three bureaus there are countless violations. As a consumer under my federally protected rights, I have NOT given any company, or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b. 
I will not keep putting up with these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ).

I hope this issue can be resolved PROMPTLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries for auto loan : Experian XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX/XXXX  XXXX XXXX  XXXX I DID NOT WANT A AUTO LOAN ... .THIS WAS NOT ME CONSUMER CREDIT SAID TO FILE WITH YOU THEY CANT TAKE IT OFF XXXX XXXX  XXXX SAID I HAVE NO LOAN SO I MUST FILE WITH YOU OR DISPUTE WITH CONSUMER credit BUREAUS NO ONE WILL REMOVE FROM MY CONSUMER inquiries
Product: Money transfer, virtual currency, or money service

I opened a new cash app cause of new phone and number ( lost my old phone ). When adding my new number issued by XXXX it was linked to another account. I provided ID card to verify identity which has been verified. They said they still could not transfer balances from my old accounts ( 2 ). Had to link a bank, and send photo ID again. Was told 3-5 business days that was the XXXX. Called again today XX/XX/XXXX and nothing has been done. I have 2 balances needing transferred from past accounts one was {$62.00} the other unsure they are locked. Also have a pending transaction on new account for {$20.00}. Old accounts are XXXX XXXX  opened in XX/XX/XXXXXXXX XXXX XXXX XXXX opened in XX/XX/XXXX. The case no. is XXXX.
Product: Debt collection

Im getting a collection report of {$37.00} with XXXX through a collection company named diversity adjustment. I cleared that account about two years ago I have never received any letter or claim. I dont have any evidence that I owe that money and is already in my credit report.
Product: Debt collection

Healthcare Collection LLC is reporting a collection account on my credit report. Ive contacted this company in the past and advised them I dont have an account with them and have no knowledge of this debt. I requested verification of this debt and never received anything from them. Ive contacted the original creditor listed on my report ( XXXX XXXX  ) and they said they dont have any accounts for me under my name, SSN, or phone numbers. I do not have any account, contract, or business with this debt collection company and they have no right to report negative information on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to conduct a reasonable investigation into a disputed collection account reported by XXXX XXXX XXXX. 

The account was disputed based on lack of prior notice and validation from the debt collector, as well as inconsistencies in the reporting across bureaus. Despite this, Experian marked the dispute as verified as accurate without any supporting documentation or explanation.

Under FCRA 1681i, Experian is required to investigate consumer disputes with due diligence. In this case, the collector failed to validate the debt, and yet Experian continued reporting the account based on that unverifiable information.

I am requesting that Experian remove this account from my credit report until proper validation is received and a thorough investigation is completed.
Product: Credit reporting or other personal consumer reports

In 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has v

iolated my rights. 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX there were two accounts that I disputed because of the way they were appearing on my credit report. For XXXX, the original date was in line with the date of my bankruptcy XX/XX/XXXX. After the dispute, the account status date was then updated to XX/XX/XXXX and my credit score fell from XXXX to XXXX because of a recent negative impact. Then, XX/XX/XXXX I tried to dispute this mistake my credit went from XXXX to XXXX. Next, on XX/XX/XXXX I again tried to get them to fix this information. There was no impact to my credit, but the account updated status still was not fixed. Finally, I noticed it was still impacting my credit so I again called and explained and asked them to correct the error. Again due to the dispute, they gave the account another update and my credit fell from XXXX to XXXX. At this point I am not sure how to get this resolved.
Product: Mortgage

I Got a mortgage from ARC HOME, LLC Back on XX/XX/2022 and my payment is due on XX/XX/2022 I've been calling the mortgage company to know how to make a payment since I haven't received any letters explaining how to make a payment. I get hanged up on when I call or they get my information and tell me that a manager will be contacting me regarding that issue I never get a call back and my issue is not resolved and I'm worried because my payment is going to be due in 3 days and I don't want them to report it as a late payment please assist. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XXXX of XXXX, multiple credit inquires were made by companies and businesses that I did n't authorize. I have a credit verification statement placed on all 3 credit bureaus yet the credit inquires were granted. I was only notified after the fact via checking my credit report. I also included my phone number to verify if I authorize a credit inquiry. I fear that my SSN was used by someone pursuing credit and now my credit limits have been decreased on 1 of  my credit cards ( XXXX ) due to these multiple inquires. All 3 credit bureaus have yet to report paid off balance or call/contact me about these numerous inquires. Also, multiple charges and cash advances were made without my knowledge as well ( XXXX ). Credit Bureaus at fault ... XXXX XXXX Equifax I have started a Identity Theft Report with the Federal Trade Commission as well ; I have already been a victim of identity theft before.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX 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
Product: Credit reporting or other personal consumer reports

A new employer was listed for me as being the XXXX XXXX. While I am honored, I have ZERO affiliation with the XXXX XXXX or any military branch. Im a XXXX.
Product: Student loan

I have signed up for XXXX XXXX XXXX for a loan of {$9500.00}, but later I said I don't need the program anymore, but they said the time limit to decide is over. 

Right now I am struggling financially to repay the amount. and they ask me to {$1000.00}, then after {$200.00} a month. But I told them I have a family to take care of and I can only pay {$100.00} a month. They told me it was not going to work. 

and i don't want that information to show on my report
Product: Debt collection

I was a victim of identity theft. I have submitted my Identity theft report as well as letters for debt validation. I have disputed the debt with each 3 credit bureau and they keep saying its verified but cant show how or when it was verified or the method of verification. There are no coorespondence proof with me to be shown Nor it there any proof of me owning this debt. The compant name is COMENITY CHILDRENS PLACE REWARDS. I want it removed from each credit bureau immediately please.
Product: Payday loan, title loan, or personal loan

I XXXX XXXX, consumer, natural person and original creditor of an open-end credit plan. I received a letter via U.S mail from U.S Bank XXXX XXXX U.S. Bank denying me of my right of credit on a open-end credit plan. Pursuant to XXXX XXXX defines the Truth in Lending Act, I am a natural person who possess an open-end credit plan who was harmed by U.S. Bank XXXX XXXX action taken against me. Denying me of my rights holds U.S. Bank civilly liable. The damages pursuant to XXXX ( a ) ( XXXX ) ( A ) ( iii ) are up to {$5000.00}. U.S Bank is now civilly liable to pay me for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX credit card account was opened in my name in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX closed the account without my prior knowledge. I was unaware of any remaining balance. Since they closed this account in XX/XX/XXXX, they have been continuously reporting late payments each month to the credit bureau. I recently checked my credit report and have noticed 40+ late payment notifications on a closed account!!! It has damaged my credit very badly. I had no prior knowledge of these late payments that were reporting to my account each month for the past 4-5 years. I have filed a dispute with XXXX, XXXX  and Experian and they have failed to remove this from my credit report. I am making a formal complaint with XXXX, XXXX  and Experian for failing to due there due diligence to respond to me and correct my reports.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed these accounts that are not mine and are inaccurate. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

I have attached the following : Driver 's License Current Utility Bill Social Security Card Theft Report
Product: Debt collection

I made an agreement with collection agency to pay {$350.00} of {$770.00} balance, and account would be removed, however {$350.00} has been paid and account is still showing on all three credit reports.
Product: Debt collection

This will be the last attempt to resolve this matter, or I will be taking civil actions against National Credit adjusters. Failure to provide the proper documentation of the initial communication letter certified mail green receipt. I did not ask National Credit Adjusters to send me a written letter dated XX/XX/XXXX, telling me about a letter I have never received. I have requested National Credit Adjuster to send me a copy of the original certified letter that National Credit Adjusters allegedly claimed they mailed out on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts does not belong to me and has already been removed from my other credit reports : XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- I have insurance and claims would have been filed with my insurance Experian is reporting outdated inquires on my credit report there were suppose to be removed in 2018 below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loans I have inquires on my report that I did not authorize below : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the TIME FRAME in which data is processed once it is received by the credit reporting agency. THIS DOES NOT PERTAIN TO ANYTHING IN A DISPUTE. This information which I request is supposed to be PUBLIC INFORMATION. 

WHAT IS THE TIME FRAME FOR TRANSUNION TO PROCESS DATA ONCE IT IS RECEIVED BY A CREDITOR? 

Definition : time frame /tm frm/ Learn to pronounce noun a period of time, especially a specified period in which something occurs or is planned to take place. 
" The work had to be done in a time frame of fourteen working days ''