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

Experian is inaccurately reporting a 30-day late payment for XXXX XXXX XXXX XXXX XXXX ( Account XXXX, XX/XX/year> ), while XXXX reports 60 days late and XXXX 30 days late. This inconsistency violates FCRA 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy in reporting. 

Under FCRA 1681i ( a ), Experian must conduct a reasonable reinvestigation, and if it can not verify the exact accuracy of this late payment, it must be deleted. This failure also violates Florida Statutes 501.2077 and the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) 501.204. 

I demand immediate removal of this inaccurate late payment and written confirmation within 5 business days. If Experian does not comply, I will escalate to the FTC, Florida Attorney General, and pursue legal action under FCRA 1681n & 1681o for damages and injunctive relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

It saying Im not paying on time while its not showing which account is not being paid on time. And its saying zero late payment for the last 12 months yet out of nowhere my credit drops to XXXX point with no proof of what caused other then you have a delinquent account with lates payment.
Product: Credit reporting or other personal consumer reports

Under 605B, this account must be taken off ASAP. I'm frustrated that it's showing up on my credit record, even though it's not my account. I strongly request the company to remove it swiftly.
Product: Debt collection

I do not have a contract with AFNI. I am not liable for collection of a debt from  XXXX . I contacted AFNI on two occasions to inform them that I am not responsible for this debt due to no contract of services/payment agreement.
Product: Credit card or prepaid card

On XX/XX/2021 i made my payment to capital one. I tried to pay my cell phone bill but my card was declined when i should have had enough credit to cover my bill. My payment posted XX/XX/2021 as usual but my credit line didn't increase back to the {$300.00} available credit line. I contacted capital one and was told that the payment had not been received on their end. I asked to speak with a supervisor and was told the same thing. I then hung up and contacted my banking institute and told them the situation. A rep from my bank and i then called capital one on a conference call so that my bank can verify that the payment was made posted, settled and should be with capital one. The capital one rep now change the story and says that they had indeed receive my payment but put a XXXX day hold on my account. I have been a capital one customer for over XXXX months and have always paid my balance on time and in full. I have never been late or missed a payment. Now I'm being told my available credit is not available even though my payment has been received. Capital one could not and would not explain to me or give me a good reason as to way my account now have a hold on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC
Product: Checking or savings account

Cashapp closed my account I reported fraud on transactions and they closed my account for no reason my claim number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Well established how opprobriously malignant and MIS-MANAGED these clumsy credit bureaus really are. I went round and round with these derelicts for years and reported this already to you people [ c ] ountless times!!!! I just got a fraud alert from XXXX that is the free XXXX  credit monitoring for XXXX 's sloppy breach 2 years ago. Anyways inept clowns at experian has allowed some malignant collection agency to duplicate the same negative garbage that is ALREADY being reported for the last 2-3 years now?! # Some putrid agency calling themselves second round from XXXX texas self-created a new FRAUDULENT account in my name so it appears as new. THIS is NOT a new account and obviously illegal and punitive. This {$5500.00} is already reporting and now charged off!!! These scumbags think they can be cryptic and blundering probably because they paid inept experian a fee to scam harass and deceive my actual credit report. I told all creditors 3 years ago I was cheated and retaliated against at my last federal job for confronting worthless derelicts, fraud waste abuse still rampant. I did NOT magically ignore my bills. Obviously ran out of money and now live in poverty! I don't care how many conniving collection agencies they send, obviously illegal to self-create a new fraudulent account using a different name using the SAME debt amount?! #
Product: Debt collection

I was contacted by a debt collection agency after attempting to contact XXXX XXXX myself about the oversight on amount owed at which they faiked to reply. Emaik receilts from our i itial move in was also sent to the company. In late XX/XX/2019, was sent a debt collection letter by a company at which I responded with a cease to desit lettwr and verificication which they did provide. On the details it clearly states that the flooring was ( poor ) upon move in but they have charges of over XXXX. We would like this removed for failure to collect the correct amount.
Product: Debt collection

Early morning today, I checked my bank account online XXXX XXXX XXXX XXXX XXXX and I found that I have been charged {$1400.00} as part of a Legal Order. So I called XXXX XXXX XXXX to ask them about this because I did not know why I was being charged for a Legal Order. 

XXXX XXXX XXXX told me that they did n't have more information on this other than providing me with a phone number listed in this Legal Order ( I can not even view this information on my only bank account ) that forced XXXX to take money out of my bank account and give it to another party. XXXX gave me the phone number of the Connecticut 's XXXX XXXX Office XXXX. The number they gave me was XXXX XXXX XXXX XXXX. 

I then called the CT XXXX Office. I was told by the XXXX Office that they issued the Legal Order on behalf of the debt collecting law firm XXXX XXXX XXXX and that XXXX XXXX XXXX is representing Portfolio Recovery Associates -- a private debt collection firm. My personal name was cleared of any possible wrongdoing in this case that led to the debt collection but I was told by the XXXX Office that the Legal Order was served on my mother -- whose name was on my bank account up until more than a year ago. The XXXX Office also told me that apparently monthly payments of {$35.00} XXXX for what service or product they do not know ) had not been paid and as such, over the months and years, the penalties increased to {$1400.00}. I was also told that I can fill out an exemption form ( CT form XXXX ) to have the money returned to my bank account and have my mom work out a payment arrangement with the debt collection agency. The XXXX Office proceeded to give me the phone number of XXXX XXXX XXXX -- the law firm. 

Before I called XXXX XXXX XXXX, I called my mother to ask her if she has been receiving anything from any debt collection agency or the law firm XXXX XXXX XXXX. She told me that she has not been receiving anything from either of those entities. She also has not even been aware of any outstanding debt under her name. And indeed, I can concur with her statements because I live in the same house as her and I have not seen any legal notice or anything from either of these two entities either. 

I called XXXX XXXX XXXX somewhere around XXXX today and was told that the I can not speak to them about the case unless my mom speaks to them ( since, they said, this was my mom 's case after all ) and gives them permission to speak to me on her behalf ( my mother can not speak XXXX very well ). The representative from XXXX XXXX XXXX told me that I had until XXXX to call him back today. I called him back at around XXXX today and was told by the office voicemail that the office has been closed at XXXX. This is starting to sound like it is outside the bounds of legality and I am starting to get suspicious. 

I want to emphasize that neither my mother or I were served any legal notice or bill in regards to this mysterious amount of {$1400.00} or anything requiring me or her to pay {$35.00} per month. We received nothing in the mail and nothing via email either.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account : Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX , Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX, Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

There are following information that are being reported within my credit reports that are incorrect. These information have placed me in the wrong light with new creditors who are looking at my credit applications and seeing contradictions in the data that is being reported in my credit reports. Therefore, I am asking that you correct these items of information and remove the incorrect items of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT OF EDU Account # XXXX Account # XXXX STATE OF MD Account # XXXX Account # XXXX I did not open these accounts. I was never made aware of the opening of these accounts. I have never knowingly paid any money toward these accounts. These fraudulent accounts are being inaccurately reported by XXXX, Transunion, and XXXX. US Department of Education and State of MD CCU are harassing me for payment but have never responded to my disputes or validated these debts. It has been well over 60 days since I disputed these accounts. I have not received a response. Remove these account immediately or I will sue. My right to privacy has be violated repeatedly. I have not gave anyone permission to furnish this information on my consumer report. My information has been violated by the XXXX Data Breach. I am a victim of identity theft. This information needs to be removed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX & Account # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 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.

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

In Accordance to the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several different issues with all the credit reporting agencies. One in particular is XXXX originating out of XXXX XXXX XXXX has numerous inquiries on my credit report. I have NEVER had an account with them but they are constantly inquiring about my address, credit score, and reporting. In addition XXXX XXXX has permission to inquire about my credit standing which I have never approved. The three agencies have reported employment information incorrectly, disputes incorrectly, as well as living residences incorrectly. Also, my name has never been XXXX XXXX and other variations of this but I have only had approved accounts with XXXX XXXX, or XXXX XXXX. XXXX and finally XXXX XXXX XXXX. They wont correct this.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent account and inquires on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts and inquires from my credit report as soon as possible. 
Disputed inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

In XX/XX/2022, I applied and was approved for a loan of {$1300.00} with XXXX. {$650.00} came to me via XXXX and {$650.00} was supposed to set aside in a savings account. On XX/XX/XXXX at approximately XXXX XXXX, I received an email from XXXX stating my account would no longer be serviced by XXXX XXXX  and that SST would be taking over. After making my payments of {$60.00} every two weeks for almost a year, I had a small balance left of {$140.00}. I paid that off on XX/XX/XXXX ( including the XXXX fee for the online ACH payment ). It is now time for me to collect or gain access to my savings totaling {$650.00} and SST is holding up the process. I have received several different responses to my inquires from SST, including my funds would be wired to the bank account in which my last payment, that I would be mailed a check within 10 days, now I'm being told it can take up to 30 days to get money owed to me. I don't know what to believe when dealing with this company and with XXXX. I just want my money so I can give my kids a good XXXX and XX/XX/XXXX is not acceptable. I just want what's mine and what I'm contractually entitled to. Between XXXX XXXX and SST, they need to figure out a better way to get customers what's owed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of getting a mortgage refinanced. 

I have seen my credit reports from XXXX, Experian and XXXX. 

Experian has information that is not true. They clain deliquincy, balnce of credit relative to available credit is too high, number of accounts with deliquency is too high, etc. 

None of that information is accurate. These are all lies.
Product: Debt collection

To Whom It May Concern : I've been trying to fix an issue with XXXX, XXXX, and XXXX about Midland Credit Management. They all have been using stall tactics. They simply ignore and do not reply to my request. Please help me fix the matter. 

Thank you. 


Best regards, XXXX XXXX
Product: Credit card

I purchased merchandise from Macy's.com and paid using my Macy 's credit card. After inspecting the merchandise, I returned it, requesting a store credit. The return was made within the correct time frame. Instead of Macy 's issuing a complete refund, I recieved to gift cards in the mail equaling to that amount. I called them and requested that my account be refunded, and they said i should discard the gift cards as it was sent out by mistake and they will issue me a full refund. When the next billing cycle came, I saw that I still had a pending balance. I called the credit again and after XXXX hours on the phone with them, I was told that my balance was now {$0.00}. My bill just came in yesterday. And I have a {$75.00} balance. That was the amount of the second gift card which i no longer have. I tried speaking to many representatives with the credit card but to no avail. They refuse to remove the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have ALL violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 purpose.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to request your assistance in obtaining a copy of the arbitration agreement from Acima Credit. I entered into a lease/financing agreement with Acima Credit but have been unable to locate the documents to verify some account details. 

I am also requesting the following docs : Lease Agreement with arbitration clause. 
Payment ledge account summary/statements balance info. 


Thank you for your time and assistance in this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX report a negative balance on my credit report causing my score to go down. XXXX XXXX then closed my account and hasn't returned and interest to me. XXXX XXXX is in Clear violation on 12 CFR1026.11 which states : ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 
( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It is TRANSUNIONs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 6 inaccurate late payments for the XXXX XXXX account beginning in XXXX. These include a 30 day late payment posted in XXXX XXXX, 120 day late payment posted in XXXX XXXX 120 day late payment posted in XXXX XXXX 90 day late payment posted in XXXX XXXX, 60 day late payment posted in XX/XX/2021, and 30 day late payment posted in XX/XX/2021. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C.1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.