23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The consumer reporting agencies refused to block the fraudulent accounts that was proven to be fraudulent. an identity theft report was sent on XX/XX/2022 according to 15 USC 1681c ( a ) and the consumer reporting agencies failed to perform there duty pursuant to 15 USC 1681c ( a ) they also refused to send me the proof of the investigation Of the names and people they communicated with and sworn statements that is required for verification. Fraudulent accounts are attached to this complaint and FTC identity theft report.
Product: Credit reporting

I had XXXX late payment to XXXX XXXX Bank in XX/XX/XXXX. Since then XXXX have not had a late payment. I have had the card since XX/XX/XXXX. I did not havehave a late payment prior to XX/XX/XXXX. They put this account in the " con-sidered negative '' category and refuse to remove it from that categoryuntil XX/XX/XXXX.. .7 years of punishment for XXXX late payment. I contacted thebank and they said that they did not request the negative assessment. Icontacted the reporting agency and they refuse to adjust the time line. 
The punishment is onerous and unfair and I am unable to find a way toremove the negative connotation. I am not saying that I was not late thatone time -- I am not arguing about the validity of the " lateness '' but I amupset that I can not get the account re-classified. 7 years is way toolong to be punished for XXXX late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted this dispute on XX/XX/23 " This company is reporting inaccurate information after many attempts to try to get this corrected the company has yet to respond to any of my information submitted to them. They are reporting inaccurate across all 3 bureas. Information needs to be removed from the credit report '' ... ... ... ..... 

I did receive a confirmation via my experian profile that this is under investigation .... 


Now I received a letter from this company asking for my w2 and additional information claiming they can not find my credit profile. 
They have clearly found my profile because I have received confirmation of the dispute. 


I believe this is a stall tactic from the credit bureaus to not look into this investigation this has take almost two months with no response and the company refuses to look into to do a investigation this is in violation of FCRA. 



I have uploaded the reporting again companies are recording innacuracies.
Product: Debt collection

Paid the debts through XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/24 ( see attached evidence ) HSBC Recovery Department admitted the debts was cleared ( XXXX - XXXX ) bank didn't updated the balance, never provide a statement to show the debts was cleared. which seriously impacted my house purchasing loan approval.
Product: Debt collection

United Revenue Corporation has violated my rights according to 15 U.S.C 1692g- Validation of debts section ( a ) Notice of debt Contents, also 15 U.S.C 1692g- Validation of debt section ( B ) Disputed debts. I am disputing the following accounts XXXX, XXXX, XXXX. I sent my dispute letter Via XXXX certified mail tracking number XXXX it was delivered XX/XX/2022. I did not receive any return mail within 5 business days after XXXX received my dispute to acknowledge that their company has received my dispute and or working to investigate it. Nor did I receive any documentation as to verify the debt.
Product: Debt collection

Southwest Credit Systems XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX This account is from XXXX XXXX XXXX, for an amount owed of {$660.00}. This account was due to impact of XXXX hardship.
Product: Debt collection

Portfolio recovery has reaged a very old account and continuously reports its to my credit report which I did not give consent to do so. They continue to contact me at work, when I answer I inform them Im at work and they continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX/XXXX Last reported XX/XX/2019 TO ALL 3 CREDIT BUREAUS {$91000.00} Reported balance Please remove from my credit reports.its been an ongoing problem for almost seven years.
Product: Credit card or prepaid card

Dear Capital One Bk ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX XXXX. I was so angry and upset that i end up closing and paid off the entire balance. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached. 

Follow up to Complaint ID # XXXX
Product: Mortgage

Applied for a pre-approval on home mortgage. Submitted the necessary documents to the mortgage consultant of M & T Bank in XXXX DE approximately XX/XX/XXXX. I received numerous phone calls which I deemed condescending and derogatory. Follow ups and clarifications were addressed however I never received any correspondence stating my pre approval was awarded or denied. I received via USPS one letter dated XX/XX/XXXX thanking me for applying for credit at the bank and how my credit score will be used. Nothing else was sent nor did I receive any calls.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Transunion bought sold and reported inaccurate information from a creditor XXXX XXXX XXXX who was reporting inaccurate information of a balance of {$59000.00} from a creditor i have no knowledge of these companies caused me to be in financial distress and emotional distress i was unable to seek housing for months which caused me to be homeless and going house to house with families i couldnt afford the debt i couldnt move foward in life i had to pay for professional credit advice and repair i had to spend too much time tryna resolve this issue that transunion wasnt trying to resolve not only that i was apart of the XXXX breach all this became a setback
Product: Money transfer, virtual currency, or money service

I have my paypal limited for no apparent reason. They send me an account alert, I already complied and send every information their asking but they still have my account limited. I use paypal regularly for my small business and because of this happening i can not access my money that is badly needed by my family. I saw someone in youtube doing this and have their account restored, I hope to have my too. This is such a burden to me and my family, all our money is being held by paypal, I dont know what to do. My paypal is linked to this email XXXX and paypal name is XXXX XXXX XXXX I hope you can help me resolve this as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONSUMER, XXXX am submitting a complaint against company XXXX XXXX for violation of federally protected law codes 15 USC 1681 ( a ) ( 4 ) " infringed Upon a Consumer 's right to privacy '' and 15 USC 1681b ( a ) ( 2 ) " No permissible purpose/No written instruction. On the XXXX of XX/XX/2021 I wrote a letter to the company in regards to those violation in an Affidavit of Truth, the USPS tracking showed that the Affidavit of Truth was received by the company on the XXXX of XXXX in the morning. The company has not responded and now it has been over 40 days since they received the letter. The company in violation of the two listed codes and I intend to file suit in federal court if this does not get settled as soon as possible. The company did not have a permissible purpose nor did they have my written instruction. This company 's action is causing damages to my character, as a consumer I will be seeking maximum allowed remedy.
Product: Credit card or prepaid card

Hi, I have filled a dispute on X/XX/2014 at Bank of America credit card for {$850.00} for XXXX XXXX which is not taken care of yet please help me out. 

Thank you.
Product: Credit reporting or other personal consumer reports

My account with those screditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a 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 those account 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.

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: Student loan

We as a family have had significant health issues beginning in XXXX XXXXpresent which has greatly impacted our lives. In XXXX, XXXX late payments were reported even though the payment was received at XXXX on XX/XX/XXXX. For the payment to be counted as " on-time '', it needed to be processed by XXXX on XX/XX/XXXX but due to the processing problem it was delayed which made it late. Actual posting was the following day, XX/XX/XXXX which was late. 

I was not aware of this until recently applying for a mortgage. It is having a serious impact on my credit score. I have never been late with a payment until this time and they are almost paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

5 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX, XXXX XXXX XXXX XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewal of my consumer report with all three credit reporting agencies, Experian, XXXX, XXXX, I noticed that there are unauthorized inquiries on my consumer reports. I did not give any written consent or instructions as required by law according to 15 USC 1681b ( a ) ( 2 ).

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 under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Unauthorized inquiries are as follows : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  Also, there are inaccurate addresses being reported. 
Inaccurate address are as follows : XXXX XXXXXXXX XXXX XXXXXXXX  Texas, XXXX XXXX XXXX XXXX XXXX, XXXX, Texas, XXXX XXXX XXXXXXXX XXXX XXXX  Texas, XXXX I am providing a copy my driver license and water utility account for identity and address verification, and a copy of my FTC identity theft report XXXX
Product: Credit reporting or other personal consumer reports

This Account was charged off on the following date XXXX XXXX XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment History. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I submitted to them a claim a dispute the stating that my account had unauthorized use while I was incarcerated. I had possession of my card at all times never gave up the card information, no other authorized users and was not able to make any transactions as I was incarcerated I was asked for proof of incarceration I provided that and also a police reporter was provided they then told me that they're investigation decided that there was no fraudulent activity however the police report did find fraudulent activity of course there was fraudulant activity if I didn't get to spend my money that was in my account they will not resolve the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the fraudulent items I notticed beiongreporting on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance {$830.00} XXXX XXXX XXXX XXXX Unpaid Balance {$93.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On XX/XX/year> I filed a claim again Wells Fargo telling then my card was stolen and used under fraud. I totally forgot my pin was on the back of my card. They issued a new card but on today XX/XX/year>, they closed my claim when over the phone I was told fraud was suspected but now they say it isnt. I almost received text messages saying fraud was detected! I also was sending emails to get help due to the fraud problem which I have proof about. I called the claims office also on different phones & got different answers! Which is very frustrating!! I definitely do not recommend this bank to anyone. This is my second time reporting this bank to CFPB! I would like to speak to a supervisor someone over the lady I had. I will be seeking legal advice after this. They have also put the account in negatives which is very sad and unprofessional of this company. A total of XXXX was took out of my account. I tried disputing this claim again & I was told I am ineligible too!
Product: Debt collection

I called global to report this account as Id theft and they say they have to xfer me to a supervisor in order to validate my complaint and when the xfer me I only get they sup voice mail box. I do n't have time for that. The need to process my complaint now
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I submitted a previous complaint to CFPB ( # XXXX ) which the mortgage company in question ( XXXX Loan Servicing ) responded to by providing a letter ( dated XX/XX/XXXX ) to myself, and also to CFPB under aforementioned complaint, stating that all 30-Day late reporting during Covid-19 Forbearance ( from XX/XX/XXXX through XXXX XXXX months ) would be corrected/amended to show as current. That is, the 30-Day lates between this time would be removed from my credit reports. The letter also stated they would notify all Credit Bureau 's to inform them of the correction. On the following dates I initiated disputes with the Credit Bureau 's to update their records to remove the late reporting : XXXX ( JXX/XX/XXXX, Dispute No. XXXX ) ; Experian ( XX/XX/XXXX, Report XXXX. XXXX ) ; and XXXX ( I could not login to their dispute website and the dispute hotline kept booting me off ). I also spoke to XXXX Customer Service Rep, XXXX XXXX, on or around XX/XX/XXXX, and she advised I initiate disputes with each Credit Bureau if credit report was not updated after 45-60 days of date of letter of XX/XX/XXXX. We are now on XX/XX/XXXX, 77 days after, and all credit reports have not updated my account information to remove the 30-day late 's being mentioned here. Due to this, I still can not apply to refinance my home in hopes of lower my payment, and take advantage of low rates. Please assist as I feel I can not get things resolved with Credit Bureau 's, or if my loan servicer has not reached out to Credit Bureau 's to correct this.

Your assistance will be much appreciated.

Sincerly XXXX XXXX
Product: Credit card or prepaid card

I am writing to report possible illegal and deceptive practices related to my Capital One XXXX XXXX XXXX store card. I attempted to use my XXXX XXXX XXXX store card online on XXXX XXXX, XXXX. I received an error message, and contacted the number on the back of my card to make sure my account was in good standing. I was told by the representative the account was in good standing, and I had a credit to the account. I asked the representative if my account number was the same number on the card, and he replied yes. After almost two hours of difficulty placing this order, I called the card company again. I was told by another representative that my card was invalid, and that they had sent me a replacement card, that was returned due to an invalid address approximately two years ago. 

The representative was unable to offer an explanation as to why I was able to use an invalid card for two years both online an in-store without issue or notification from the card company. He was also unable to offer an explanation as to why the card stopped working on this date. I have spoken with the card company- Capital One on numerous occasions regarding this account, most recently on XXXX XXXX, XXXX, and was never notified that there was an issue. I was informed I would have to wait 4 to 6 business days to receive a new card, and I would not be able to complete my purchase that day. 

I then spoke with the representatives supervisor, XXXX, who was also unable to offer an explanation. XXXX informed me that, if I could provide him with my account number, he could give me the number for my new card to complete the purchase. I then gave XXXX my card number, which the representative I spoke with approximately two hours prior confirmed was my account number. XXXX then informed me that this was in invalid account number, and unless I was able to provide him with my account number from my statement, which I did not have, he could not give me my new card number. He advised me to get a copy of my statement online, but then informed me that I could not sign up for access to my online statements without a valid account number, so he could not assist me any further. 

After speaking with XXXX, I attempted to create an online account using my card number as my account number and was able to do so- indicating that my card number is, as the first representative confirmed, a valid account number. 

My account is in good standing and the company is preventing me from accessing it, citing inaccurate and conflicting information from multiple representatives. This also presents a potentially serious security issue- if my card has been invalid for two years, why was I able to use it? If my account number is invalid- why was I able to use it to create an online account? This is negligence. 

Thank you for your assistance.