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

My account with EXPERIAN was never late! I have had exceptional payment history 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 to be updated.

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.

EXPERIAN 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!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following 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
Product: Credit reporting or other personal consumer reports

My online account with Experian was hacked XXXX times in the past 6 months. Every time I call Experian membership service, change password, email, pin, address, place security freeze. Next hackers gain access of my account somehow and change all my personal information and fraudulently apply for credit. Strangely Experian never sends me text alerts when hackers try accessing my account which makes me suspect this is an inside job. For unclear reason Experian can't safeguard my account and nobody at the company helps me.
Product: Debt collection

This will be my second time filing a complaint. According to the documents the company provided. It shows that a signed lease was with XXXX XXXX and not XXXX XXXX which are XXXX different management companies according to XXXX XXXX XXXX XXXX XXXX XXXX Please reference to the documents I provided to support my reasoning.
Product: Prepaid card

I have a rush card and XXXX $ was deducted from my account. I call and never get a answer or I 'm hung up on, I 've even been transferred many times just to be on hold more to be placed on hold more.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX Today date is XXXX XXXX & I'm The Only One Writing This complaint!!!! This Is the second time i made file a complaint with the CFPB ( 103 true Identity theft ) I am a victim of identity theft. 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 Please block this information from report i've try over and over to solve this matter and still haven't been solved I recently found i was involved in the XXXX  XXXX of XXXX. Also Receive a email from XXXX  today XXXX XXXX saying that Compromised Email Address Alert and that Your Email Address was exposed on the Dark Web, I'm very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit after carefully reviewing all 3 of my credit files Ive noticed that i have after finding out i've place a fraud alert on my credit file on XXXX but that still haven't help fraudulent accounts still was open after calling XXXX  i have a list of account that was open and use without my consent i also have A POLICE REPORT FROM XXXX XXXX POLICE DEPARTMENT CAD Incident Number XXXX and My FTC report # XXXX, here 's the list of accounts that was open fraudulently XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$24000.00} XXXX XX/XX/XXXX XXXX XXXX/XXXX  {$300.00} XXXX XX/XX/XXXX Contact XXXX XXXX  XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$550.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX/XXXX XXXX {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ( XXXX ) XXXX PLEASE HELP ME i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports IF XXXX  Failed To Remove These Accounts or Do A Proper Investigation Into This Matter By Providing Proof Of Verification Such As Contracts Sign Ducs, and Proof Of Id Ill Be Seeking Legal Assistance To Press Charges!
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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 card

I was a victim of fraud. Someone used my card and ran up thousands of dollars worth of charges that I didnt make. When I realized that I called the bank, I answered all their questions. I did everything that was asked of me. I was told that I would receive temporary credits and that I wouldnt be responsible for making payments on the Fraudulent transactions they said it was on a recorded line so they should have a copy of my original phone call. The temporary credits did show up, but there was never an adjustment to my minimum payment to so Im a little confused. Im not supposed to be responsible for making payments for the fraudulent transactions then why are they still being included in my minimum payment so I couldnt figure that out and theres no easy way to reach out to the bank other than calling so I called and I spoke with a young woman who was friendly but not knowledgeable. She didnt even know how the minimum payment was calculated on my account, she no clue all she did was say things that werent true to be completely honest and you should have a recording of this so then she transfers me and this guy just wasnt he didnt care what I had to say he come up with his conclusion before I even said a word which kind of wasnt what he said, but just the fact that he didnt even listen to my explanation question before coming up with a solution and even after I told him I feel like he still didnt give me accurate information and he didnt know how to fix the problem so Im left with paying a very large minimum payment that I shouldnt have to pay because I didnt charge any of those transactions this not being resolved before the due date and then you charging me fees which I dont think its fair because I could make one percent plus interest payment, but it wouldnt be enough and you would still say my account was late so why did minimum payment not reflect the investigation that is going on? I have a second question you sent me a letter stating that the transaction for the zoo was my responsibility even though I had not been to the zoo and I dont know when it started costing {$160.00} to go to the zoo to begin with but this transactions no different than the rest of the transactions so why do you think that I was at the zoo? Why do you think those charges belong to me? And last but not least why dont I have any rewards, I have a balance of {$21.00} and Ive never used any other rewards but I dont have any. Can you explain that to me?
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was buying a service from an individual on XXXX. They promised the details once payment went through. I paid them {$170.00} on XX/XX/XXXX at approximately XXXX XXXX I was given some fake information that did not work and they then blocked me so I could not contact them. I immediately disputed the transaction to CashApp and they have yet to do anything about it or return my money. I bank with CashApp and I can not dispute a charge with another bank as I dont bank with any other bank. 

I would like my money back.
Product: Debt collection

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Product: Credit reporting or other personal consumer reports

I submitted a request for debit validation with XXXX, but they did not provide me with proof of validation, and it continues to be on my report. 

{$1600.00} TRANSWORLD SYSTEMS INC
Product: Credit reporting, credit repair services, or other personal consumer reports

I've spoken to serveral representative from the parties involved with this company and they still won't comply with the information I have given them.
Product: Credit reporting

I have tried to reach out to Experian to ask them why my credit score for utilities ( XXXX ) is so different from my primary credit report ( around XXXX ) ; I have n't been able to get through their systems, as their phone is useless ( XXXX ) and they require a report number on their site -- a report about my credit on utilities, that I do not have. As a result of this report, ( and I only found out through a letter from the utility company ), I was asked for a deposit for my energy bill, and due to this and additional other issues, my power was turned off without warning. -I 've paid my bills consistently for the last 5 years, so I did n't understand where this was coming from ; my previous energy company issued a very positive letter of credit to the new company. 

I would like to know : 1. Why there is a drastic difference between the XXXX? 
2. What items are on that report that are bringing it down? 
3. A copy of my 'utilities credit ' report. 
4. Information on how to challenge anything on said report. 
5. A contact phone number or email that actually works
Product: Mortgage

After losing my job around XX/XX/XXXX, I was struggling to get by. Then XXXX XXXX destroyed my house in XXXX Georgia on XX/XX/XXXX. My wife and XXXX small children spent two  months in a hotel before finding a rental. Our insurance was paying for the rental until XX/XX/XXXX. On or about XX/XX/XXXX we contacted Wells Fargo property loss department to get get two checks endorsed for the completion of our house. We explained to XXXX XXXX our situation on timing and we 're told she would get it so we could have the checks endorsed in a branch instead of mailing them in. After attempting to contact her several more times over a two week period we talke to XXXX XXXX on XX/XX/XXXX. Who told my wife and I that the people in the property loss department INTENTIONALLY LIE to the customers about issues like that. This was on a recorded line. After explaining that we were out of time due to the rental constraints we talked to XXXX XXXX on XX/XX/XXXX in the executive complaint department. Our checks were still not endorsed and the builder was going to put a lien on the house. We talked to XXXX on XX/XX/XXXX and he advised to send in the checks but at this point we were already out of time. We can not get our personal property out of storage and are being charged {$2000.00} for rent and {$1400.00} for rental furniture and housewares. Talking to XXXX on XX/XX/XXXX the checks are still not endorsed and they will not pay for the costs we accrued because of their lack of action. We are still waiting on resolution. We have XXXX children ages XXXX and XXXX. Our XXXX year old son who is XXXX in the XXXX this home is his permanent address. Wells Fargo still refuses to help in any way.
Product: Credit reporting or other personal consumer reports

XXXX is constantly sending stall emails asking for verification of identity. I have given them my Drivers license, social security, and utility bill. They have claimed to have done a thorough investigation in less than 24 hours and that is just unreal. I want the names and verification process of how my information is being verified! This is a violation of consumer law by simply failing to properly investigate and this matter will be escalated. I am asking for debt validation once more or removal of unvalidated, incomplete, and inaccurate accounts immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX, I am extremely upset with this entire process of disputing incorrect items on my credit report and the bureaus failure to follow the laws according to my rights in the FCRA.

I mailed out letters to all 3 bureaus on XX/XX/XXXX, disputing some medical bills that are incorrect on my credit report. I called the originally creditor to ask about these items and they informed me that they no longer have me in their system of owing this bill. They informed me that other company now owns the debt, however, I have never had an account with this debt collector. Shortly, after on XX/XX/XXXX I received a letter from XXXX stating that no actions will be taken cause they believed a third party sent the letter. But, I sent the letter and I experience stall tactics from the bureaus in the past where they will continue to defer action so that you lose hope. I have attached a copy of their stall letter as well as the dispute letters I sent to all 3 bureaus.

The real issue came when I received a bill from a debt collector that doesnt match the company, the amount or the service debt on my credit report. The name of the creditor matches, but not any other information. This has led me to believe that this account is false and the credit bureaus have no way of validating this in fact is my debt and who it should be paid to. Therefore, I demand that all these accounts be removed immediately. This is totally unacceptable and has effected my ability to advance my family 's living situation due to the tarnish it has placed on my credit report. I have attached the false collection notice for your review as well. 

Please help with this situation. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed the reporting of XXXX  loans from the Department of Education on my report because they were reported without my permission, knowledge or ability to opt of reporting. They still remain on my report stating they were verified.
Product: Debt collection

Called the company back PHOENIX FINANCIAL SERV they say I owe XXXX for when I was in a wreck in 2018. I did not ride in the ambulance to be seen I rode in it with my then boyfriend who was on the stretcher and neck braces and now they want to try to put it in on my credit they said it doesnt even include him on the report just me
Product: Credit reporting or other personal consumer reports

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Debt collection

Just received letter from afni , inc collection agency for att in the amount of XXXX. Closed this account in XXXX of XXXX. Att said could not closed account till it was paid in full. So paid the amount of XXXX of which they said would be owed. Now XXXX  months later I get bill from afni , inc saying I owe XXXX, but I have never received a bill for this or a call about it. Tried talking to afni but they were very aggressive and did not want to hear anything I said.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, 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 Account number XXXX, has violated my rights. This account is not mine and is reporting in error. I was not notified of any negative information on my report. Delete for inaccuracy because date of last active is incorrect because this account is not mine. Delete for violation of 15 U.S.C 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 r easonable cause to believe that the information is inaccurate.

15 U.S.C. 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Checking or savings account

Chase bank is withholding my money that were deposited from my XXXX XXXX  account and is refusing to return it. XXXXXXXX XXXX failed to acknowledge XXXX fraudulent checks for the total amount of {$190000.00}. The funds were deposited into a Chase bank account. Chase detected the fraudulent checks and is holding the funds in a XXXX account and has yet to return the funds to XXXX XXXX. There has been several attempts by my attorney as well as XXXX XXXX attorney to reach out to chase bank and they are refusing to discuss this matter. Authorities have been working on this matter for 2 months and we have yet to receive any response from chase bank. My checks were deposited into an account by the name of XXXX XXXX on XX/XX/2023.
Product: Mortgage

wells fargo foreclosed on our home broke the bottom door apartment although we were home up stairs we were supposedly working on modification with themthey claimed i never had a court case case #  XXXX  never had my day in court but did they show up? this should be investiated we sined for PARTIAL PAYMENT PROGRAM WHERE THEY EVER PAID on our behalf from the government? they keep saying what happened as if they are right wheres the investigation? check were sent back because they said it wasnt the full amount of mortgage owed when it was only suppose to be a monthly payment.said we idnt keep in touch i have dates times and names so how can that be. im not giving up on things they said we were working on and then got put out