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

my account with XXXX XXXX XXXX  was never late. i have had an exceptional payment history with XXXX XXXX XXXX and all payments were on XXXX. 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 by the company and is not a reflection of my payment experience which violates USC 1681eb. this error has caused severe harm to my reputation, my character, my mode of living and to my family. 

I demand the late payments reported in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> to be removed. 

They are not in compliance with the following law 15 USC 1666b and its requirements st 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 ) TIMING OF 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 that creditor has adopted reasonable procedures designed to ensure that each 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  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 and fraudulent, and not equitable to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because US Bank is violating the FCRA. I filed a dispute regarding an inaccurate Date of Last Active. They were reporting it as XX/XX/, this account was paid off and they are also reporting a balance. This is another inaccuracy. According to the FCRA furnisher must pay {$1000.00} per violation of account is not corrected. In this case it has not been corrected so it must be deleted from my credit file. 

I have records of the disputes and was advised by my lawyer that I am able to file a law suit with the evidence I have if this account is not deleted. Please investigate this matter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Tower Loan, XXXX XXXX XXXX XXXX, XXXX MS XXXX has been reporting an account that they have not validated as mine nor have they sent me a valid contract proving that I have a loan with their firm. I have tried to get them to perform these tasks or simply delete this information from my credit reports. To date, no response at all. Therefore I would like the loan/account information DELETED as soon as possible! 

I have all the certified receipts from them so I know they got the notices. 

This has hurt my reputation ; severely damaged my credit thereby making it hard to get a house, car or other credit cards. 

They have also broken several federal and state laws!! 

DELETE! DELETE! 
My next step is court action. I have informed them of this option also!
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. 



XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had recently found out that I had lost my debit card, and woke up to my account being in the negative with transactions I hadnt seen before. I contacted Bank Of America and the most they did was send a replacement card, but not provide an credit or have my funds replaced.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ate Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit card or prepaid card

I obtained a secured credit card from XXXX XXXX XXXX XXXX XXXX with a deposit of {$300.00}. After 1st month card had {$300.00} charged on it. I paid first payment and tried to close acct. They would not close it. They had my {$300.00} and I had {$300.00} in charges I tried to close acct again. They didn't close my acct they continued to charge me interest on the {$300.00}. My {$300.00} went in their pocket I guess. my acct was sold to MIDLAND CREDIT MANAGEMENT in the amt of {$630.00}. I don't owe them anything and their negative report on my credit report is hurting me. Please help me resolve this. 
thank you
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX However, they stated everything was complete and accurate. And in ther stall letter stated that I needed to contact them and use their removal tools... I am getting the run around while trying to ADVOCATE FOR MYSELF saying I am using a third party. also I do not understand everything complete and accurate how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case atttached are a copy of the letters sent out on XXXX to each of the XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

I'm really disappointed that my information has been compromised, especially as I'm trying to buy a house. I need these accounts removed, as I'm not in a good mental state due to this situation. 

YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & XXXX ; 1681g.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you ou have violated my consumer rights as a federally protected consumer.
Product: Money transfer, virtual currency, or money service

I made a XXXX transfer in the amount of {$400.00} on the Wells Fargo XXXX app, then the Wells Fargo app duplicated that and made two separate transfers of said amount. The transactions had identical confirmation numbers. When I filed a claim on XX/XX/2021 I was told to wait 10 business days but before the 10th business day the confirmation number of one of the transactions was changed making it look like it was not a duplicate error from their end. I followed up with them twice now and even escalated it to a 'higher level ' as the Wells Fargo representatives called it. They still refuse to refund me for their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX, and and incorrect name reporting XXXX XXXX, and multiple addresses. 
This has caused me tremendous anxiety, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

hipppaa and ftc violations sent over 30 days XXXX  Opened XX/XX/XXXX + {$52.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$1300.00} Original creditor : XXXX XXXX XXXX
Product: Debt collection

Following a thorough inspection of my recent credit report, I identified various accounts that I consider incorrect and that were added without my approval.
Product: Checking or savings account

On XXXXmy Citibank Account was closed XXXX I was told a check would be issued approximately 10-15 business days afterwards. The check is well over XXXX and the bank doesnt seem to know what going on or can tell me where my check is. I am back up in bills and pending eviction from when they ended their relationship with me on XX/XX/2022. Here we are XX/XX/2022 and I still do not have my funds and Citibank is refusing to give me any answer please help me
Product: Mortgage

I purchased a condominium in XXXX, IL in XXXX XXXX. The unit was my primary residence for a while, but later became a rental property. I have a fixed-rate 30 year mortgage through Wells Fargo on this property - Wells Fargo sold the loan to another company, XXXX ( XXXX ), on XXXX XXXX, XXXX. I had made a web payment of {$1000.00} on XXXX XXXX that basically did not get applied to my loan balance before the sale of the loan. I started to discuss the problem with XXXX XXXX ( as soon as I got the statement indicating a missing payment ) ; after four months of investigating the matter, they claimed it was Wells Fargo 's fault, that Wells Fargo never wired over that money, and suggested I talk to my bank ( who could really do nothing ). I spoke with Wells Fargo, who initially admitted it looked like they did n't apply the payment to my account before the loan sold. I got a proof of payment letter from my bank ( XXXX XXXX XXXX ) and sent it to Wells Fargo so that they could investigate. Then they did some investigation and started pointing the finger at XXXX in XXXX. 

I had brought my account current with XXXX in early XXXX to avoid any credit issues, so I am basically out {$1000.00}. Wells Fargo verbally told me they 'd make me whole if they could n't get to the bottom of it, but when I 've called the last several weeks looking for an update they ' have been unresponsive. I have not had a status update on the matter since XXXX. I want my {$1000.00} payment to be refunded to me directly if possible, or applied to my mortgage balance.
Product: Credit card

Credit Karma led me to believe that I was pre-approved for the credit card but I was denied the card.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> Multiple transactions were made from my checking account to this digital money account. None of these transactions were authorized by me. 
There were XXXX transactions in total : {$200.00}, {$150.00}, {$110.00}, {$110.00}, {$210.00}, {$200.00} and {$110.00}. As soon as I noticed the transactions I tried to log into the account to see what was happening only to realize I had been logged out and my login information changed. I disputed these with my bank but they denied the dispute as I has previously used this service so they said it must be authorized by me. 

I contacted the digital money service and they told me they can not help me unless I can log in to my account which I can not since my information had been changed. They wanted to do a security verification which I tried but failed because my answers did not match what they see on the account ( once again because someone had changed the information from mine to someone else 's ). And they just said if I can not pass the verification they can not get me into the account.
Product: Debt collection

This company ABILITY RECOVERY SERVICES , LLC is reporting fraudulent inaccurate information for act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report. 
I have requested that they provide the purchase agreement to show full ownership of such account and so other documents so that i can review to see if this debt actually belongs to me. I am requesting that this account is removed from my credit report.
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this morning, and I have no clue how they got there. I check my credit report regularly, but this time, out of nowhere, there were discrepancies. I even refreshed my browser, hoping it was a glitch, but nothing changed. The incorrect accounts stayed. I'm really frustrated and want the documents Ive submitted reviewed thoroughly so that I can stop worrying about this happening again.
Product: Debt collection

I have been receiving calls for a debt owed by XXXX XXXX from Midland Credit Management. I do not know who XXXX XXXX is. They have been calling XXXX times a day for the past week. Yesterday I called and said that I do not know XXXX XXXX and asked them to stop calling. Today they called again and I again reiterated that I do not know XXXX and if they call again I 'll be filing a complaint. They called again so here I am.
Product: Debt collection

I paid of my JP Morgan Chase student loan more than XXXX years ago and even received an email congratulating me for paying off my loan. Recently, I began receiving emails from Chase about my balance being available, but when I logged in to their website, there was no balance. I assumed this was a computer error. However, Chase apparently has sold my imaginary debt to XXXX, which now claims my debt is {$93.00} plus {$18.00} in unpaid interest. There is no way this is even possible. XXXX days ago, I submitted a written request for verification of the debt to XXXX, at which point they began harassing me with phone calls multiple times a day. Then today I received an email from XXXX saying my request could not be completed because I never returned their calls. I realize this is for a small amount of money, but it is money that I do not owe, and I have a right to receive written verification of the debt. My credit has already been ruined by student loans and I 'm not going to start paying made-up debts that I do n't owe.
Product: Credit card

I have initiated a Disputed Transaction with my credit card provider Apple for a merchandise that was returned to the merchant but have not received refund. 
On XX/XX/2024 my credit card issuer Apple have closed the dispute and rebilled me for the disputed amount of {$100.00} without providing information or explanation despite providing supporting documents such as return shipment tracking and authorization. 

Dispute case number : XXXX Transaction date : XX/XX/2024 Merchant name : XXXX XXXX XXXX 
Disputed amount : {$100.00} Amount to be rebilled : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank/WalMart charged off my account and I paid the account in full. They are still reporting on my credit that they charged off {$1200.00} after I have disputed it and paid the balance in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND XXXX ARE REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON THE FEDERAL TRADE COMMISSION FREE ANNUAL CREDIT REPORT WEBSITE. I HAVE VERIFIED MY IDENTITY USING THEIR TWO FACTOR AUTHENTICATION METHODS AND ONLINE QUESTIONS MANY TIMES AND HAVE ACCOUNTS WITH EACH BUREAU. I WAS PREVIOUSLY FOR THE PAST TEN MONTHS ALLOWED ACCESS WEEKLY TO MY ALL THREE BUREAU CREDIT REPORTS!!! I DEMAND IMMEDIATE ACCESS TO MY FREE FTC WEEKLY ONLINE CREDIT REPORT!! I AM NOT PAYING THE POSTAL MAIL TO OBTAIN A CREDIT REPORT WHICH COSTS ME MONEY!! XXXX EXPERIAN AND XXXX ARE VIOLATING THE LAW AND ARBITRILY NOT ALLOWING ME FREE ONLINE CREDIT REPORT ACCESS DESPITE SUCCESSFULLY ANSWERING IDENTITY QUESTIONS CORRECTLY!! XXXX YOUR MAIL IN FORMS!! IM NOT BEING INCONVENIENCED AND WAITING WEEKS FOR MY CREDIT REPORT I COULD GET NOW ONLINE. I NEED MY CREDIT REPORT NOW!!! I DEAMND IT ONLINE NOW!!! IM NOT PAYING POSTAL MAIL TO GET MY REPORT AND SENDING THE BUREAUS IDENTITY DOCUMENTS IN THE UNSECURE XXXX POSTAL MAIL!! XXXX EXPERIAN AND XXXX, WHICH XXXX REPEATEDLY VIOLATES THE LAW BECUASE MY REPORTS ARE INACCUREATE, THUS PREVENTING ME FROM RECEIVING THEM!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account student loan XXXX XXXX, US Dept of EDXXXX XXXX XXXX US Dept of EDXXXX XXXX has Violated my rights .

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, Also states a consumer reporting agency such as XXXX, EQUIFAX AND XXXX can Not Furnish a account without my written signature or instructions to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and I had an agreement on XX/XX/2022 for a payment of {$430.00} to satisfy the account as paid as agreed. However the creditor sent a settlement letter with the header date of XX/XX/2022 which was dated by the United States postal service as XX/XX/2022 requesting {$430.00} be paid by XX/XX/2022. The letter sent from the creditor is fraudulent and is a violation of the original agreement, because I sent a certified letter and cashiers check of {$430.00} on XX/XX/2022 in agreement for paid as agreed. The creditor deposited the check but fail to honor the agreement made between myself and the company as paid as agreed with a zero balance and report the correct update on the credit bureau reporting agents. Also the reporting amount due before the {$430.00} was {$720.00} and the original amount was {$960.00}, well the balance has changed several times after receiving the agreed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report still shows derogatory remarks regarding delinquent payments history and high revolving balance vs credit limit when these info over 12 yrs ago. I have less than 10 % debt on my credit cards and these credit reporting statement is negatively affecting my ability to get a loan