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

My account with XXXX XXXX, XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX, 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 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 months that are reported late 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. 


XXXX XXXX, XXXX 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 reporting, credit repair services, or other personal consumer reports

XXXX has ignored my request to provided me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA The unverified items listed below remain on my credit report in violation of Federal Law. They were required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly. Which is not true Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported XXXX Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Checking or savings account

Wells fargos denied my XXXX  claim of XXXX $ the claim number is XXXX They never asled for my evedince they did not properly investagate this
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts were opened in my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had issues with Transunion before and again the worst possible thing has happened. 

I got noticed on XX/XX/XXXX from XXXX XXXX that my CS had changed drastically so when I went to look under Transunion it showed someones BANKRUPTCY listed on my account. I have been beside myself. Without much info I did my own research to find out who this bankruptcy was attached to. Transunion refuses to do anything but make me wait 30 days to maybe get this fixed. They have added the info on fraud and freeze but are demanding I send in info, documents to prove to them that this is not my bankruptcy. I mean really how does one prove this?? In the mean time the website will not allow me to upload any documents or anything of the info I have found. This has ruined my life and it is only day 4 after a holiday of trying to get this fixed and this is ONLY with 1 credit bureau at this time as Transunion is the only one that is showing the info so far. This morning I noticed that Transunion even had the gaul to add this mans names under my section " also goes by '' I mean really how can they do this and get away with this? 

I have contacted the lawyer for the man who the bankruptcy belongs to and he refuses to help me. He said that he has a SS card and DL for the man who the file is attached to. SOMEONE has made a mistake. I really want to believe it was just some type of typo but it non the less has been reported to the police as a fraud, I have put freezes and fraud alerts on all 3 credit reports as well. Transunion told me that got the info from the court in XXXX well if they reported it to them it will more than likely show up on the other 2 credit reports too. What a NIGHTMARE this is. I can not get help really from anyone..I mean I just don't know if this man is using my SS # or what. No one can help me and of course I do understand about security. 

As stated I was able to get the info for the man who the bankruptcy belongs to as this has not been filed with the BK court in XXXX XXXX county. 

Transunion made this mistake I do believe by pulling a last name and the last 4 digits only of info. The bankruptcy persons SS has the last 4 digits is the same as mine, his first name is very similar as mine, last name is the same as mine, but again I do not know what the deal is or WHY they would put this on my page at random and ruin my life. 

Oh and they still have not removed this mans name off my account. This is the bankruptcy guy..I do not have his email or phone number..His bankruptcy info is a matter of public record is some info has been covered for security.. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Please help and again please reach out if you need anything. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection agency XXXX XXXX XXXX directly, as well as, Experian, XXXX, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete for Violation
Product: Money transfer, virtual currency, or money service

Greetings, my name is XXXX XXXX XXXX XXXX, I have a problem with my coinbase account, on XX/XX/XXXX someone hacked into my account, sold all my cryptocurrency and withdraw that money, after many conversations with the identity department, cripto and funds department ( coinbase ) i havent been able to locate the money, on XX/XX/XXXX they told me ( over the phone ) that it was sent to a debit card ending in XXXX, several transactions, under my name and with my billing address, which card is not mine, coinbase is not providing me with any tool or efficient help to solve this case, they are telling me that for security reasons they can not give me any extra information about the instrument to which the hacker sent the money, calling that person hacker because without my credentials logged into my account, which is not logical because every time i log in coinbase sends me a text message and the same to sell and withdraw money as a two step verification process, which never hapenned, all in all, what i want is coinbase to be responsible for these acts against my interest in their platform, i feel completely unsupported by them because they are not providing me with any useful information, not even in my account statement, in this one they just show that this person sold the criptos but nothing more, during the call of the 21st with them they told me that on XX/XX/XXXX the debit card mentioned before was added and removed within minutes. The amount substracted in XXXX dollars was around XXXX XXXX ( it was all in cryptocurrencies ). Case number provided by XXXX email associated to this account : XXXX After talking for several hours with their departments they told me that their legal team was going to reach out to me because they were able to see that i have a case, their legal team sent me an email, XX/XX/XXXX, saying that they hope that i had all the help that i needed and that they were closing my case, which help should come from them, i really feel that they are mocking of me and can not understand how such a renown company can treat their clients in this way. I request for your help, This are my savings. 
Here i attach my coinbase account statement and their last email, which has a different case number that the one they gave me over the phone ( the one i wrote on above paragraph ) Thank you for your support, i look forward for you answer.
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX  XXXX  someone has used my personal information to obtain services and goods using my identity, that being said i have contacted all XXXX credit reporting agencies and they have failed me many times in regaurds to this matter! .i am running out of options and i connot afford any attorneys at this point so this will be my last attempt to file this complaint. but i have been a victim of XXXX XXXX and someone took my personal information and decided to open many fraudulant accounts and fraudulant address as well.please remove and block all the fruadulant accounts and address off my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Transunion just closed their response to this complaint, but never resolved the issue. I just tried to get my credit report again, and I got the same response ( attached ). Their response says : We have reviewed your complaint along with the information you previously provided regarding this issue. Due to a system issue, your credit report was previously unavailable online ; however, the issue has been resolved. Consumers are entitled to one free annual credit report in a 12-month period. Reports are ordered online through www.annualcreditreport.com. Personal information is gathered and provided to the credit bureau. Once consumers are forwarded over to the TransUnion website, we do offer different credit monitoring products to consumers who would like to manage their credit report. The products are offers and are not intended to prevent consumers from obtaining their FACT Act Free Disclosure. There are certain conditions under which online credit file access may not be available for security purposes. Under these circumstances, however, you may typically obtain your credit report via telephone or mail. If you are having trouble ordering your credit report online through annualcreditreport.com, please contact them directly by mail at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  GA XXXX or by phone at XXXX. Please be advised, if you are still eligible for a FACT ACT consumer disclosure you may attempt another online request. In order to protect your privacy, we have mailed a copy of your TransUnion credit report to the current address we have on file for you. You can expect to receive it in approximately 7 business days. If you have any additional questions, please do not hesitate to call our Customer Service call center toll-free at XXXX XXXX XXXX XXXX Monday-Friday, XXXX XXXX XXXX XXXX XXXX ET or Saturday-Sunday, XXXX XXXX XXXX XXXX XXXX ET. For more information, please visit our Frequently Asked Questions page at www.transunion.com/consumerfaqs.
Product: Debt collection

Company : Credit Collection Services at XXXX XXXX XXXX, XXXX, MA XXXX Contact : XXXX // www.ccspayment.com Credit Collection Services issued a debt collection notice by mail on XX/XX/2019. Mail was received XX/XX/2019. Amount of debt issued : {$98.00} with a memo of : Test ( s ) ordered by [ Recipient doctor 's name ]. Creditor : XXXX XXXX XXXX. 

However, recipient contacted doctor 's office and hospital network to confirm that the original payment was received on XX/XX/2019 for the amount of {$25.00}. Receipts are available upon request. The hospital network that conducted the lab tests and received payment stated that the Credit Collections Services and creditor ( XXXX XXXX XXXX XXXX ) listed were not agencies it recognized or used. 

Doctor 's office also confirmed that full payment was received and suspected a scam. Upon further research, XXXX XXXX , XXXX was breached in XX/XX/2019 and released thousands of patient names, SSN, billing information, etc. It is suspected that this breach allowed personal patient information to be leaked and obtained by Credit Collections Services to impersonate healthcare providers to request overdue balances.

Credit Collection Services also lists : " According to our client [ XXXX XXXX , XXXX ], the above referenced amount is unpaid. As a result your account has been placed with this office for collection. We look forward to working with you to resolve this matter. Thank you. 

FEDERAL LAW : Unless you notify this office within 30 days of receiving this notice that you are dispute the validity of this debt, or any portion thereof, this office will assume the debt is valid. If you notify this office in writing within 30 days from receiving this notice that you disputed the validity of this debt, or any portion thereof, this office will obtain verification of the debt and obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of original creditor, if different from the current creditor. This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. '' Notice arrived in generic envelope with a QR code. Website and messaging on document only refers to processing payments and no official Credit Collection Services website is available.

Please verify all payments are correct with healthcare provider and sales channel for tests run through third-party groups to avoid paying Credit Collection Services for false debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a collection account from XXXX XXXX XXXX that you continue to verify as accurate in my credit report. I have contacted both XXXX and XXXX XXXX XXXX multiple times, requesting documentation to prove that I have an account with this company. To date, no such proof has been provided. 

I do not have an account with XXXX XXXX XXXX. Therefore, they have no basis to collect a debt that does not exist, nor should they be reporting inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information reported is accurate and verifiable. By failing to remove this unverified account, you are in violation of 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ).

I am requesting that XXXX immediately block and remove any information related to this fraudulent account, as I am reporting this as an instance of identity theft. The failure of XXXX XXXX XXXX to provide evidence of an account number, payment history, or any legitimate connection to me is clear. If this issue is not resolved, I will pursue legal action to protect my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Request for Removal of Inaccurate Credit Items from Experian, TransUnion, and Equifax Dear CFPB Representative, I am writing to formally dispute inaccurate and unfair negative items listed on my credit reports with Experian, TransUnion, and Equifax. These items include late payments, charge-offs, and collections that are either incorrect, unverifiable, or outdated. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request an immediate investigation and removal of these accounts from my credit reports. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion Experian [ XXXX XXXX ] Account # [ XXXX ] Equifax Experian [ XXXX XXXX XXXX ] - Account # [ XXXX ] Transunion Experian Equifax [ XXXX XXXX ] - Account # [ XXXX ] Transunion Equifax [ XXXXXXXX XXXX  ] Account # [ XXXX ] Transunion Experian Equifax [ XXXX XXXX XXXX ] # [ XXXX ] Transunion Experian Equifax [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Transunion Experian Equifax [ XXXX XXXX XXXX XXXX XXXX XXXX ] Transunion Experian Equifax Under XXXXhe FCRA ( 15 U.S.C. 1681 ), credit reporting agencies must ensure that all reported information is accurate, fair, and verifiable. Additionally, the FDCPA prohibits debt XXXX from reporting inaccurate, unverified, or obsolete accounts. If the listed creditors and collection agencies can not provide documented proof verifying the accuracy and legitimacy of these accounts, I demand their immediate removal from my credit reports. 

I request that the CFPB intervene to ensure Experian, TransUnion, and Equifax comply with federal law and correct these inaccuracies. I have attached copies of my credit reports highlighting the disputed accounts, along with any supporting documentation. 

I request a written response regarding the results of your investigation within 30 days, as required by law. Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRYING TO GET SOME HELP CLEARING MY NAME FROM THIS ACCOUNT THAT APPEARS ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the breach with XXXX getting hacked, I decided to put a freeze on my credit report with all three agencies. XXXX XXXX, Transunion and XXXX XXXX I was in shock & in disbelief that Transunion CHARGED ME to do so!!!!!!!!!!!! Now, I have learned that to temporarily or permenantly Unfreeze my credit report with ALL three agencies, I WILL BE CHARGED AGAIN!!!!!!!!!! 
The act of charging anyone to Freeze or Unfreeze their reports because of XXXX 's stupidity is Demonsterable to say the least!!!!!!!!!!!!! 
I am requesting that I be repaid for freezing my account with Tranunion & not be charged to unfreeze my accounts with all three agentcies!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint with CFPB against TransUnion regarding the SAME issue. There is incorrect information on my TransUnion credit report being reported to creditors. TransUnion claims that it is not. 

Hello, My name is XXXX XXXX and I am contacting you with regard to an ongoing issue I have been having with TransUnion. That credit bureau is reporting inaccurate information ( 2 recent payments ) on my credit report. This inaccurate reporting and overall failure to update, has resulted in my having been denied a credit limit increase with one of my creditors recently. I also anticipate starting the home buying process in the near future and can not have this inaccurate reporting be an issue. In XXXX  of XXXX, I submitted a request to the U.S. Department of Education, requesting that my student loans be consolidated ( thus bringing them out of default status ). That application was ultimately approved. In XX/XX/XXXXof 2020, I received the enclosed notification from XXXX, one of the holders of two of my previously defaulted loans. In that letter, XXXX acknowledged having received the payment required to bring the two student loans out of default status. XXXX has also updated those two accounts with the credit bureaus to reflect closed/paid. While I do not dispute those accounts as having been in collections, I am again disputing the inaccuracy of the reporting. TransUnion is currently reporting that in XX/XX/XXXXof 2020, I missed a payment on each of the loans that they were holding ( for a total of 2 ). This is incorrect. Per MyFico.com, TransUnion is reporting a late payment within the past 6 months. I also have a premier subscription with XXXX that provides 3 bureau monitoring. My TransUnion data under that monitoring service ALSO lists a recent missed payment. That missed payment is XXXX. There were no missed payments and even when the account was in a default status, I had been making monthly payments for over a year.I have disputed this via phone ( XX/XX/2020 ), as well as online, but the information has not been accurately updated. On XX/XX/XXXX, I sent a letter to TransUnion ( via certified mail ), asking that they make the necessary corrections and/or updates on their end. On XX/XX/2020, I contacted them via phone to request an update. I was informed that they do NOT see any recent missed payments on my credit report. I again explained the information that is listed on MyFICO and XXXX. TransUnion instructed me to contact the credit monitoring providers. I contacted MyFICO Customer Care and they explained to me that they could only update Information as it is provided to them by the credit bureaus ( in this case, TransUnion ). I am stuck in the middle and can not seem to get this information corrected. I again applied for a credit limit increase with a creditor was again denied based on information contained in my TransUnion file.