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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$190000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$56000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3400.00} XXXX  XXXX XXXX Balance : {$190000.00} XXXX, XXXX XXXX Balance : {$720.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$5700.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$56000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$730.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXXXXXX XXXX Balance : {$190000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$56000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$730.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3400.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed 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 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 to be removed. 

They are not in compliance with the following law. XXXX5 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all 3 credit bureaus ( Experian, XXXX, and XXXX ) telling the, that they were in violations of my rights and that the late payments must be removed asap. But no response nor removal of late payments have been removed. I reached out to all 3 companies on XX/XX/XXXX, XXXX In accordance with the fair Credit Reporting act XXXX  Account # XXXX ( Dated XX/XX/2022 and XX/XX/2022 ), 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. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

In XX/XX/XXXX and XX/XX/XXXX an XXXX credit card and a XXXX credit card were opened fraudulently in Colorado where I do not live. I filed a FTC identity theft report and a police report with XXXX XXXX police department and they removed the accounts from my credit report. The problem now is they sold the accounts which they were not supposed to do to Jefferson capital who has since posted two collections on my 3 credit bureaus showing these collections of XXXX $ and XXXX XXXX I sent a copy of my reports to Jefferson capital and they never removed them from my reports.as stated they never should have acquired the account to begin with as it was never opened by me. This has caused me financial hardship as Im in the process of selling and buying a new home. If this isnt removed I will seek damages via fcra and in local small claims court. My date of birth is XX/XX/XXXX and ss # number ends in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered there are unauthorized inquires on my credit report with XXXXXXXX XXXX and Equifax that I did not authorize and need them removed now.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$370.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$560.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$18000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX and XXXX ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX  and XXXX I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Product: Debt collection

From the XXXX XXXX of XXXX I have received over 15 calls total in one week to 2 different # s. The company, FCO, has a debt that belongs to XXXX XXXX and has had prior conversations with me regarding this debt. I was removed 6 months into a 24 month lease and have paperwork that should have been provided to them by XXXX XXXX XXXX XXXX XXXX  ) saying as such. I have attempted to call the original creditor and get sent to voicemail repeatedly. No one has responded to me in regards to why they will not look at the paperwork and FCO is dialing MORE than the 7 dials per consumer in 7 days rule.
Product: Credit reporting or other personal consumer reports

Despite numerous written requests, the unverified accounts listed below persist on my credit report, constituting a violation of federal law. The Transunion Credit Bureau has failed to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the specified timeframe, and continues to report unverified information. Given all my efforts to address this matter directly with the creditor, this can now be construed as willful negligence and non-compliance with federal statutes. I demand the complete removal of the following accounts from my credit reports. Inaccurate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Accounts : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX.
Product: Mortgage

Flagstar bank changed my mortgage payment amount without my knowledge or approval and is now charging me late fees and a much higher mortgage.
Product: Mortgage

I got affected by XXXX and seek forbearance, however, they're asking for lot of documents, I thought they aren't supposed to ask for any documents. They're not helping me at all to deal with the tough situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the information listed is incorrect : incorrect addreses : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This inquiries is unauthorized user : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX  : Account # XXXX XXXX  XXXX : Account # XXXX XXXX : Account # XXXXXXXX XXXX : Account # XXXX XXXX : Account # XXXX I received information from you attempting to collect the above-listed alleged debt. Please be advised that I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX that no proof of the alleged debt, nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX i sent out dispute letters to dispute inaccursies on my credit report. I explained in my dispute letter I have not received my billing statement within 21 days of my statement balance being due, under 15 usc 1666 a and b, because of that i noticed my XXXX account reported multiple late payments and after sending them a dispute letter stating my reason for dispute and holding them to the FCRA standard and they failed to due an investigation within 30 days and notify me. I sent out a letter again just recently and this time certified the mail just to ensure they get this before I notified you all.
Product: Credit reporting or other personal consumer reports

Urgent Request for Immediate Correction of False Reporting : Upon reviewing my Consumer Reports, I was frustrated to find outrageous discrepancies regarding alleged late payments on accounts where I have ALWAYS made prompt payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following accounts : ( XXXX XXXX Account number : XXXX ) ( XXXX XXXX XXXX Account number : XXXX ) I DEMAND an IMMEDIATE and DETAILED investigation into these glaring discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide indisputable evidence, such as specific account statements, supporting the alleged lateness of these payments. FAILURE to provide such proof within the given 4-day timeframe will lead to my DEMAND that these payments be corrected to reflect their true, ON-TIME status, in full compliance with FCRA Section 611, which mandates precision and completeness in consumer reports. 

I have always fulfilled my payment responsibilities ON TIME and WILL NOT ALLOW this intolerable error to continue. RECTIFY THIS IMMEDIATELY.
Product: Credit card or prepaid card

This is a continuation of  Case  #  XXXX . Bank  of Ameri  ca/ MB  NA does not respond adequately, which is part of the original complaint, and the continuation of the problem since 2016. ( I asked for communication from assigned representative of Bank of America/ MBNA in 2016. Never received. I was instructed to write to another department at Bank of America/ MBNA . Again, no reply. I was told no negative actions would occur to me while in this process Bank of America/ MBNA set forth. Negative actions occurred, causing distress. ) Bank of America/ MBNA continues to cause additional distress, and it appears intentional.
Product: Debt collection

No credit card billing statement received XX/XX/XXXX.-XX/XX/XXXX. First notice of debt was from a collections ( XXXX XXXX ) XX/XX/XXXX. Multiple calls to XXXX XXXX and XXXX XXXX ( XXXX XXXX Credit Card ) telling them that no statements had ever been received ( XX/XX/XXXX to XX/XX/XXXX ). Dispute initiated, initial charges paid ( XX/XX/XXXX ) in good faith by customer to XXXX XX/XX/XXXX despite not having received a billing statement. XXXX XX/XX/XXXX indicates initial statement XX/XX/XXXX sent was undeliverable and returned. Address used by XXXX XX/XX/XXXX is the same exact address used by XXXX XXXX  for their notice of collections on XX/XX/XXXX. Billing statements received after fifth request XX/XX/XXXX, address on statements is the same as the address on the XX/XX/XXXX XXXX XXXX collections notification. 
Multiple Calls to XXXX XXXX  failing to resolve issue. Collections company switched to XXXX XXXX XXXX XX/XX/XXXX, second dispute initiated. XXXX XXXX wants late fees and interest which I find inappropriate due to lack of notification. 

see enclosures ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Wonderful Experian once again has XXXX  with my credit file and I can not access it online! Anytime I go to access my credit report from Experian it immediately kicks me out saying I can not do it and I need to submit a written request, Experian has XXXX with me for many many years to the point where I let them know how unacceptable it was so what did Experian do? They placed me on a write in only status because I was XXXX off when they kept making mistakes and excuses? Over and over and over and over and BLOCKED my number. This is absolutely ridiculous and highly illegal. I have every single right to view my credit file online at my leisure as well call in when I wish, but NOOOOO Experian wants to break the law and block me from seeing my file!!! FIX THIS AND GIVE ME ACCESS TO MY CREDIT REPORT ONLINE!!!!!!!!!! 


DO NOT SEND ME A CREDIT REPORT IN THE MAIL!!!!!!!!!!!!!!!!!!!!!! 

FOR SECURITY AND PRIVACY PURPOSES I DO NOT WANT MY CREDIT REPORT BEING MAILED!!!! 

I WANT ACCESS ONLINE!!!!!!! 

I have filed countless complaints against this company in regards to this exact same issue and every time they fix it for 5 seconds then it goes back to that same exact thing.
Product: Credit card or prepaid card

So I called the past 5 days finally spoke to someone today & they said my card was good to go I just neeedee to activate it so I said are you are cause it wont let me use it & I have had the card for 3 months now it should be activated so she says you just need to reactivate it I say okay cause she says nothing shows on her side so then we can hang up well she was wrong now I cant even activate it & all the call lines are busy & take 3 hrs so frustrated cause thats the only money I have & I cant touch it due to idk what?! Please help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

there is an account on my credit report for a XXXX phone bill that is not mine.i have spoke to XXXX  in begining of XXXX when i found it on my credit report and they even said it was not my account and that i had to contact the collection company to starighten thing out.so i called and i didnt get an answer so i called and called for weekes and i finally talked to someone and they said that i would be taking care of so i waited a month and nothing was still done so i contacted them again and same thing they said it would be taken care of, now almost 3 months into this it still isnt off my credit report and i cant get ahold of the collection company they wont call me back or answer when i call so i tryed to dispute it with the credit report company and they wont remove it either.so im pretty stuck on what to do now on how to go about getting this account off my credit report.everyone seems to be dragging their feet on this and not doing anything to help me get this account off 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. List all accounts : XXXX - XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, "
Product: Money transfer, virtual currency, or money service

I have been trying all week to withdraw {$14000.00} in cash that is in my Robinhood Account online. 

Each time I try to withdraw, the company returns a message that reads " Account withdrawal disabled '' and sends a message saying something about the withdrawal failing. I never disabled withdrawals from this account and have no clue why this is happening. I tried to withdraw on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. Each time is returns this message. I even tried to link another bank account and it still returned the same message. 

I have emailed their " customer support '' after each attempted withdrawal. I have received no response from anyone in their company, and have no other way of getting in touch with them. 

My family and I have been planning on using this money towards a down payment on our first home purchase which we have scheduled for this Friday, XX/XX/XXXX. We need access to our money, which Robinhood is not returning.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed 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 kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name : 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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account XXXX : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX