23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with Equifax 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 billin

g 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 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 21 days before the payment due date. Equifax 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: Debt collection

So this originally started with an unpaid bill to XXXX cable company supposedly on XX/XX/2018. I 100 % know this to be inncorrect and could not possibly be from myself because I was in jail at the time of this apparent bill. Since learning of this fraudulent debt I have tried to communicate directly with waypoint resource group. Which is the debt collection agency/company who have taken the debt collection over from XXXX. I have tried calling and emailing them, but I have had no luck from either method. Also, their phone number doesn't even work anymore. I then went through the process of filing a credit report dispute which got denied however I was unaware that I needed to send my reason and documentation for how I knew this wasn't me. Which is why I suspect they turned down my request. Cause I didn't include the fact that I was locked up at the time or that I thought it was due to identity theft that this action occurred. I am almost 3 years clean and have been working very hard to get my life back in order. The one thing that is left is getting my credit score and report in order so that I can have a credit card and apply for loans since I intend to go back to school and also eventually buy a house. I would appreciate any and all help in this matter. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some information on my credit report that I have identified under FCRA 605b as being fraudulent and XXXX  and XXXX. I am a victim of identity theft and have identified the items that should be blocked under FCRA 605b The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Accounts from XXXX XXXX with a balance of {$18000.00} that was opened on XX/XX/2018 Installment loan from XXXX XXXX  with a balance of {$28000.00} that was opened on XX/XX/2018 And inquiries from XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX  ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) XXXX XXXX  ( XX/XX/2018 ) I have asked the bureaus to 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. They are willfully not blocking this information thus breaking the law so I am submitting it here so they will be held accountable as well as proof that this information was indeed sent. 

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply.
Product: Vehicle loan or lease

BILLING ERROR NOTICE AND FRAUD! 
This notice is to inform you that you are unlawfully demanding payments from a fraudulent account that arose from IDENTITY THEFT. I have No contract with SYNCHRONY BANK.Failure to disclose, unjust enrichment and fraud on the consumer. Intentional act of fraud. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. I do not authorize you to put any remarks on my consumer report. Please provide verification of your claim, including a lawful contract ; a hand signed invoice in accordance with Bills of Exchange Act ( 1882 ) and proof of agency. I may settle any financial obligation I might lawfully owe. Your said failure to provide verification of your claim constitutes your agreement to the following terms : that you are a third party interloper, you have no legal standing, no first-hand knowledge of this matter, your claim is fraudulent ; any damages I suffer you will be held culpable, you agree to pay all fee scheduled ; that any negative remarks made to a credit reference agency will be removed and that you will no longer pursue this matter.FCRA 611 ( a ) [ 15 USC 1681i ( a ) ] and Section 609 ( a ) ( 1 ) ( A ). Breach of contract and fiduciary duties, failure of consideration, Misrepresentation of a material fact, unjust enrichment, no loan or consideration was given, Fraud! Truth in Lending Act Violation of 15 U.S.C. 1605 finance charge, No notice of rescission and XXXX XXXX XXXX XXXX ( XXXX ) ( no Privacy Notice ) right to opt out of having my non public information share to non affiliated third parties. 
15 U.S.C CODE 1666- CORRECTION OF BILLING ERRORS 15 USC 1635 Rights to rescind. FRAUD HAVE NO STATUS OF LIMITION.
Product: Debt collection

Dear Credit Collection Services I recently received a debt collection notice from your office. I am writing to confirm that you have contacted the correct individual and to request documentation verifying this. Please provide a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of both the original and current creditors.

2. Verification of the debt amount you seek to collect, including evidence of a contract establishing the amount claimed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and back to the original creditor.

Please cease all collection activities until you provide validation of the debt. Additionally, I request that you refrain from accessing my credit report or reporting anything to credit bureaus. I dispute the validity of this debt, and any dispute should be noted on my credit report if you have already reported it.

**Permissible Purpose** Please state your permissible purpose for accessing my credit information, as I dispute your right to do so.

**Notification to Other Collectors** I dispute that I owe this debt to you. If this debt is transferred to another collector, please inform them of my dispute regarding its validity.

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

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me deleted these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my PayPal account for Receiving my payment of my online freelancing jobs since XX/XX/2020. My PayPal account : XXXX has stocked funds in it that I have to withdrawn asap for emergency purpose. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and XXXX bless. 

For Identify verification, I attached my Valid ID. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I want to start off by saying no one prepared this dispute for me, I worked hard to research what to do in my situation. I just want it to be known that I XXXX XXXX prepared this document. I was trying to re finance my house and ran into a problem. I pulled my report and found some disturbing things. There were accounts that belonged to someone else, or someone has opened accounts in my name. I found numerous errors on my credit report. I haven't signed, nor opened any contracts with any of these companies listed in the Ftc report. I am a living human being, and I have been wrongfully taken advantage of. I have rights under 15 USC 1681. XXXX, Experian, and XXXX has allowed for these creditors to violate me numerous of times. I demand these accounts listed be removed according to 15 USC 1681 I have a right to privacy and I did not give the 3 bureaus, these other creditors to furnish these accounts. It is illegal for an account to be opened without me giving consent to it, which I haven't ever been in contact with any of these companies. There are two more fraudulent accounts that was opened in my name XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX account # XXXX, once again I repeat, I did not give consent for these accounts to be opened. These should be removed as well as these un authorized hard inquiries, and these inquiries are attached to an open account, so in other word could you please remove these XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I contact Swiss colony about a debt that has been lingering around in my credit report no matter how many times I dispute it so finally I seen the number on my report and I called I told them my name and said to them you guys are reporting on my credit that I owe you all XXXX dollars can you tell me how is this I never did any business with you all and I keep disputing this telling you this was a fraud account so the lady was kind enough to look for this she ask my name and social I gave it to her she put me on hold came back and said your right you do not have an account with us I then said then why is your company reporting on my credit saying this can yall stop reporting on my credit report she said I would love to help you but you do not have an account so you would have to contact you credit report agency and ask them to remove it I did as she said contact XXXX XXXX XXXX  and XXXX which all said they cant take it off I had to contact the company that I have an account with its a lot of back and forward for along time with this account can you please assist me with getting them to remove this that company already confirmed I do not have an account all Im asking is that with that being said about the account is that they take it off my credit report and stop reporting it because its a fraud account
Product: Credit reporting or other personal consumer reports

XXXX unauthorized hard inquiry showed on my XXXX credit report, plus an employer and a phone number XXXX dont recognize. After contacting all three companies showing on my report, we concluded that OpenRoad Lending had submitted the hard inquiry with other XXXX lenders. I contacted OpenRaod Lending and they did not find an application under my name. After looking into it they realized that they had miss used my social security for another person who supposed name is XXXX XXXX. They answer was it was a system error on our side ''. 
I provided copy of my report with the wrong information and unauthorized inquiries and they said they would work on investigating and removing but that it might take up to 6 months. 
The other XXXX unauthorized inquiries are for lenders : XXXX XXXX and XXXX XXXX XXXX. The employer added is called : XXXX XXXX and the phone number XXXX. Non of this information belongs to me.
Product: Checking or savings account

I opened a Wells Fargo Business Checking Account on XX/XX/2018  with the promotion of gettig {$300.00} if I deposit {$1000.00} in the account and complete all the qualifying acitivies which I did. I was supposed to get the money by the 60th Day. I have completed all the qualifying and should be getting my money which I haven't go till yet. Please look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  XXXX ( XXXX, Open Date XX/XX/XXXX, High Balance {$1200.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I checked my credit report to see that XXXX aka capital one has left my account opened after it was closed in XXXX XXXX XXXX ) and paid in full in XX/XX/XXXX. The amount that had was for {$4.00} then it jumped to {$8.00}. I don't even have access to the account since it's been closed and my user profile was closed along with it. I made a complaint about XXXX 's business ethics in XXXX which fell on def ears by the cfpb. Please help me
Product: Checking or savings account

On XX/XX/XXXX I got an email stating my account was overdraft {$100.00}, I instantly went check my mobile app to see what was going on. When I logged in the screen said account closed and had an XXXX number for me to call, I called the number and spoke with a gentleman that said Bank of America has decided not to do business with me and my account is closed. I didnt get a notice, I used my card the morning of XX/XX/XXXX I just picked up a temporary atm card on XX/XX/XXXX no one said anything. This messed up my direct deposit I have to wait until next week to get my paycheck and I couldnt get my money out the account, they send it back in a check and that takes a week. I have a rental car that I couldnt pay for with the rest of my weekly bills not to mention the autopay I had set up I cant even eat all because my funds are tied up due to Bank of America deciding to close my account with no explanation. This is HORRIBLE ... I will never trust a bank again and definitely will never have all my money in one spot. I have 2 bank accounts now with no money in them thanks to Bank of America. I want to take further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several unexpected loan inquiries on my credit report on XX/XX/2021 when I arrived at the dealership with my own financing from my credit union XXXX XXXX. These unauthorized inquiries included : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX  XXXX Also XX/XX/XXXX, XXXX was another unauthorized inquiry as I already had approval from XXXX XXXX on this day.
Product: Debt collection

As a Federally Protected consumer a natural living man COMENITY BANK have violated my consumer rights to pravacy. Pusurant to 18 USC 1028A ( a ) ( 1 ) and 15 USC 1681g ( 11 ) Comenity Bank violated my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 XXXX removed XXXX XXXX  Bankruptcy. I have written XXXX and Experian explaining and showing proof that it was removed from XXXX. I have requested XXXX XXXX  Bankruptcy ( XXXX ) be removed from my XXXX and Experian credit report. I have not received anything in writing or by email confirming it has been removed
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/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 XXXXXXXX
Product: Debt collection

I have had several debt collectors trying to collect on an obsolete credit card debt. It has been over 10 years and still they try to collect on this debt. Now they are using official Superior Court of XXXX XXXX court forms. Illegally. I look up the Court Case Numbers and they are always unknown or false. The whole thing is a wrong. They say they filed a Notice of Levy, but it is a lie. It is a way to scare me into paying them. I think this is criminal. I am wise to them. I hope others are not falling for their lies. Look up the court case and ask some questions first.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account with XXXX that seems to be reporting incorrectly, but they have ignored my attempts. I am asking Citibank as the furnisher of this information to contact the credit bureau and have this account updated. XXXX and XXXX are not reporting a late payment or collection status so I am confused as to why XXXX is reporting such information when all data furnished should be the same. Also, this account was paid and was never a collection. There was miscommunication about a shortage of {$10.00} that was resolved, and the account was closed. At this time, I am not seeking any monetary compensation, but I am requesting that this inaccurate information be corrected immediately. I will attach my credit report to show the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, In XX/XX/XXXX I submitted a dispute to Equifax ; to dispute items that was reporting incorrect on my credit report and to also dispute items that was reporting on my credit file that was associated with the Theft of my identity and Fraud accounts. 

With my dispute request I mailed in all supporting documents ( FTC report, policy report, IRS ID Theft report, and Department of Education notice ) In XX/XX/XXXX Equifax updated and corrected all the error ( s ) on my credit file. 

During the week of XX/XX/XXXX. I attempted to gain access to my credit file and was unable. After a week of requesting to unlock, unblock, and unfreeze my account. 

Per Equifax they combined the Fraud credit file and my True credit file together so I could gain access to my credit file. 

On XX/XX/XXXX I noticed that the Items Equifax removed in XX/XX/XXXX was put back on my credit file and also New account Ive never seen on my credit file before. 

I contacted Equifax CRA department on XX/XX/XXXX and they stated it would take up to 30 days to dispute the items they deleted in XX/XX/XXXX and the new items they combined with my True credit report ; that was on a second credit report due the ID theft Items Equifax deleted and repute on my credite 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 Address reporting incorrect I never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORTH CAROLINA XXXX XXXX XXXX XXXX XXXX NORTH CAROLINA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORTH CAROLINA XXXX XXXX XXXX   XXXX XXXX XXXX NORTH CAROLINA XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting.
Product: Credit card or prepaid card

Macy 's is charging unfair interest or fees. On several occasions I have been charged a {$2.00} fee despite having a {$0.00} balance. Latest example : My XXXX statement indicated a balance of {$240.00} due by by XX/XX/2022. 

Payment in full was sent via the Macy 's website on XX/XX/2022. 

XXXX statement says the account has a {$2.00} balance in " fees ''. 

I called the number on the statement and questioned the reason for the charge and was told it was interest. I questioned how it can be interest on a zero balance and the representative responded the charge would be removed. 

This has occurred multiple times with this credit card. While I have been able to have the charge removed, I question how many other consumers simply don't realize that the fee is charged and I urge the Consumer Financial Bureau to investigate.
Product: Prepaid card

I reached out because the front of the card was scratched off as well as no security code. I reached out and they want me to send a bunch of information over to a random email without any confirmation emails or anything to confirm if this is even legit. They want my ID which im waiting for in the mail but I do have my Drivers Permit they give you while you wait for the actual card which they stated they are unable to use. They also request me send a copys of my bills and the receipt which I didn't receive as it was a gift from my girlfriends mother. I don't feel comfortable sending all this information to a company that can't send me any confirmation emails or anything whatsoever. Also the whole time I talked to this person the only thing I can hear CLEARLY was his TV. I even mentioned it multiple times and he didn't even turn it down. Makes me think its not even legit.