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

My account with XXXX  was never late! I have had exceptional payment history with 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 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 in 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 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

THE NEGATIVE ACCOUNTS DISPUTED DOES NOT BELNG TO ME, I DID NOT AUTHORIZE THOSE ACCOUNTS ON MY CREDIT REPORT. PLEASE REINVESTIGATE YOUR REPORTING INACCURACIES AND HAVE THOSE ACCOUNTS REMOVE.
Product: Checking or savings account

I have been completely unable to use my account, withdraw funds or use my debit card. Ive reached out to my bank with no solution or assistance from them. I can not access or use my money
Product: Credit reporting

SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESXXXX new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ___ XXXX ___, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX ( XXXX XXXX XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under Civil Code 1785.25 ( g ) and 1785.31 for failure to accurately report credit information in violation of 1785.25 ( a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX and XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in XXXX. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 ( b ) ; XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, XXXX. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 ( a ) ( XXXX ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a ten year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the seven/ten year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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
Product: Checking or savings account

On XX/XX/2023 there was unauthorized transaction from merchant XXXX. Bank of America refused credit my account with temporary even doe there could see where the merchant took my money unauthorized. I have waiting over 90 day have not see any money put back in my account. Or temporary credit while they researching problem my XXXX still missing me account. On top that there is other unauthorized transactions happen in my checking account the Bank of America refuse to refund my credit in my account along with the fee they keep hitting my account with.
Product: Vehicle loan or lease

XX/XX/XXXX XXXX XXXX Hyundai XXXX overnighted my last lease payment of {$490.00} to Hyundai XXXX XXXX on my XXXX XXXX. 
XX/XX/XXXX XXXX XXXX has evidence of receipt of the payment by XXXX XX/XX/XXXX Contacted XXXX  to verify they received my lease payment. They said they did not and to contact them back in " 2 weeks ''. 
XX/XX/XXXX Contacted XXXX to, again, try to verify receipt of my lease payment. They said they did not and to call them back in " 2 weeks '' XX/XX/XXXX XXXX XXXX obtained proof that XXXX cashed the check XX/XX/XXXX Contacted XXXX to verify receipt of my lease payment. They said they did not. I asked them to verify to see if it was not applied to my XXXX XXXX. They said it was not. They said to call back in " 2 weeks '' but got the name of the person of whom to send a copy of the canceled check to a contact person and email address. 
XX/XX/XXXX Contacted XXXX XXXX to obtain a copy of the front and back of the canceled check. 
XX/XX/XXXX Forward a copy of the canceled to the address provided to me on the XXXX from XXXX. 
XX/XX/XXXX Contacted XXXX to verify they received my email with a copy of the canceled check. They did but would not do anything without " more research because they did not know where it may have been posted to '' - again, they said to contact them in " 2 weeks ''! 
In the meantime, I am getting text messages and late notices from XXXX that my payment is due and still can not get anyone to post the payment they have acknowledged getting for my specific account. 
XX/XX/XXXX Contacted XXXX - again, my payment is NOT posted and they claim they have no record of it.
Product: Mortgage

Mr cooper neglected to forward my mortgage payment information to the credit report companies and my credit score went down exactly 100 points. I have never paid my mortgage late, in fact it is paid up all the way through to XX/XX/XXXX ( today is XX/XX/XXXX ) .I have also paid substantial amounts each month to the principal. My co-signor and I both live in Michigan and our car insurance uses our credit score to set our rates. This credit information needs to updated immediately to prevent this from  happening. Also my credit is completely tied up because it shows it as being poor. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX  account number XXXX, has violated my rights. 

15 USC 1681, Section 602 states I have the right to privacy 15 USC 1681, Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : 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
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account Name : PROFIT SERVICES GROUP
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account under XXXX XXXX XXXX XXXX opened in XXXX of XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collection, or hard inquiries as reported. The aforementioned account, collection, and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

On XX/XX/2022 I called FedLoan Servicing to request that my student loan payments made on XX/XX/2022 ( totaling {$21000.00} ) be refunded to me since they were made during the Covid-19 federal forbearance period. They told me they submitted the request and it would take 2-8 weeks. It's far too wide of an estimate initially and it has also already been 6 weeks. My husband already received his refund from his student loan servicer and there's no excuse for it to take this long. On top of it all I called them today to get an updated status and their primary phone number didn't allow me to get ahold of an actual agent. There was no option that pertained to why I was calling nor was there an option to get ahold of the operator.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a XXXX XXXX deal for my family and I from XXXX XXXX using the Chase credit card. On XX/XX/XXXX a day before the trip I tested positive for XXXX XXXX and we immediately notified the XXXX XXXX and canceled the trip. On the same day we notified Chase and we were told to file a claim and provided all the required documents. 

The Chase credit card claim department kept asking us to resubmit the documents we have already submitted and each time they told us to wait another 3-5 business days since it takes that much time to review the add on documents. When we follow up with a phone call, the excuses they give us are always different and they tell us the issue will be resolved. Since we already paid {$5000.00} cents to purchase, we are not able to use our money to plan another vacation. According to the XXXX XXXX protection plan, Chase reimburse up to {$1500.00} per person and {$6000.00} per trip for your pre-paid, non-refundable passenger fares, if the trip is canceled or cut short by sickness, severe weather and other covered situations. Our last conversation today with the agent was, We dont know how long this process takes, they are expecting a confirmation from XXXX XXXXXXXX XXXX and no guarantee on reimbursement.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX  XXXXDATE OPENED XX/XX/XXXX - BALANCE {$220.00} Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$350.00} Account Name : XXXX # XXXX OPENED XX/XX/XXXX - BALANCE {$770.00} Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$1700.00} Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX -BALANCE {$1500.00} Account Name : XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$4000.00} Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$15000.00} Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$170.00} Unauthorized Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

My account just hit the 30 day past due and I kept getting calls from this company asking to pay the balance immediately or they were going to garnish my wages. It 's not the first time this company does this. In previous occasions my account was n't even 10 days late and I was getting calls at work, they also called my sister and told her that if I did n't pay they were going to garnish my wages. They always threat to garnish wages even if the account is not 30 days late so that I can make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I had a Chapter XXXX bankruptcy discharged. Since then my mortgage loan has been transfered a few times. When it was serviced by XXXX XXXX XXXX we were involved in a home loan modification to make a commitment to stay in our home and get current on our mortgage. The modification was approved XXXX XXXX. The modification re-financial structure constitutes in writing documentation that we are affirming our commitment to repayment of the mortgage. 

The reason for this complaint is to make XXXX aware of the non-reporting to the credit bureaus for the past 15 months of all our timely mortgage payments. 

After speaking to the Bankruptcy department division from XXXX who has recently changed their name to XXXX XXXX, I was told that I would have to re-open the bankruptcy and file a re-affirmation agreement and that I would not be given any retroactive payment history to the credit bureaus. 

I feel that my rights as a consumer and home owner have been severely effected by an error on XXXX XXXX now XXXX XXXX. Both myself and my husbands credit scores would have had an impactful positive reflection if there would have been reporting of our timely mortgage payments.
Product: Credit reporting or other personal consumer reports

I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed formal complaint that was ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law, Experian had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX  XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX  XXXX Experian XXXX XXXX  XXXX XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

First received notice in XXXX about a debt owed in Los Angeles at XXXX XXXX XXXX XXXX. They state that I have an account from services received, but no details about what services I supposedly got, on dates that I was in XXXX and working in XXXX XXXX XXXX XXXX XXXX ). They state that I was in their XXXX  XX/XX/XXXX and XX/XX/XXXX I was a allegedly a patient there. I have never received services from this facility. I also have not been to Los Angeles for over 20 years. I attempted to call them to inform them that this was not my debt. There was no answer at the number provided. I attempted several times over the course of a few months. I left a messages saying that this debt did not belong to me. There was no response, and still no answer when attempted calling, so I forgot about the supposed debt. 

I have now received a letter from a group called CMRE financial Services , Inc . They assert that I still owe this debt, and if I did not respond by XX/XX/XXXX they would assume that I owe the debt. I have attempted to call them, but again there was no answer. I left another message, again stating that I do not owe this debt, and have never been to the facility mentioned or been in LA. I am worried how this will effect my already woeful credit situation. Please assist me in correcting this matter, as the companies I am dealing with are unavailable for contact. 


Thanks!
Product: Credit reporting

XXXX credit services is saying that I owe XXXX money when I do n't. They 're saying it 's from 2011, I did n't even have XXXX then. I had XXXX.