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

My account with XXXX  XXXX 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 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  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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the removal of any information resulting from identity theft. 
Inquiries to be Deleted : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Debt collection

I have no knowledge of this debt. I have never had an account with the company and I only found out about it because it showed up on my credit report as a collection.
Product: Credit reporting or other personal consumer reports

I request the removal of these inquiries. I am unaware of this matter, and the company took action without my consent.
Product: Vehicle loan or lease

Dear who this may concern I refinance my car with navy federal and request to the person I was in contact with, that I would want Gap insurance on my auto loan. My vehicle end up being declared a total loss by XXXX and called the bank about it. The bank refuse give gap, because it was not put into the loan as I requested. The bank I clearly not capable of being trusted with a yes or no answer and would like some explanation and some accountability. 

I looked forward to getting a response
Product: Debt collection

the company placed on my credit report approximately 2 years. I called them a year later, they said that the phone call is being recorded. I asked them, if I pay the full amount regardless if it's correct or not, will you delete it entirely from my credit report, their answer was yes it will be deleted, so I went ahead and paid the amount. I realized recently that it's still on my credit report showing as paid. I called them and a guy with the name XXXX de XXXX answered the phone, when was told the story he denied it completely so I told him that I was told that everything is being recorded, he replied that's correct, I told him to please pull the recordings to hear the conversation, his answer was sure just give me few days and I will have the recording for you. I called back few days later as was told, same XXXX answered the fun and at this time sounded agitated and told me to give me additional few days. I told him that he wasn't paid the legal way because he scammed me into paying without doing what was promised and want to have it either deleted or i want my money back. If he lost the recording then it's not my problem and I don't need to be mislead. XXXX then hung up the phone on me. I then went to all three buraus but they closed the case as accurate without giving me the recording.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to Equifax notifying them of the reinsertion of XXXX  XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Credit reporting

I have notified Equifax on many different occasions that the following addresses do not or never belonged to me. I would like these addresses removed from my credit file. Since they was a result of identity theft. 

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

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 XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report and I noticed that this consumer reporting agency is reporting transactions on my consumer report. It is a violation of the Privacy Act of 1974, the Fair Credit Reporting Act and Family Education Rights and Privacy Act. I have reached out to the credit reporting agency and NELNET they have not responded. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions are to be excluded from my consumer report. In accordance with Federal Law I want this matter rectified. Thank you
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this formal complaint against XXXX, Experian, and XXXX to request the removal and blocking of fraudulent information on my credit reports due to identity theft. I have recently discovered unauthorized accounts and debts on my credit report that were opened in my name without my knowledge or consent. These fraudulent accounts are a result of identity theft, and I have already taken steps to resolve this issue. 
Details of the Fraudulent Information : Are attached in dispute letter I have taken the following actions regarding this fraudulent activity : 1. Submitted a complaint to the Federal Trade Commission ( FTC ) and completed an Identity Theft Affidavit ( FTC Affidavit Number : XXXX, XXXX, XXXX. XXXX, XXXX XXXX. Contacted each credit reporting agency ( XXXX, Experian, and XXXX ) to notify them of the identity theft and provided the necessary documentation. 
Despite my efforts, the fraudulent information remains on my credit reports, negatively impacting my credit standing and subjecting me to potential liability for debts that I did not incur.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction with your lack of response to my previous complaints submitted on seven separate occasions. Despite my repeated attempts to address serious issues concerning my credit report, I have yet to receive any acknowledgment or resolution from your office, XXXX, XXXX, EXPERIAN I am currently a victim of identity theft, which has resulted in unauthorized accounts being opened in my name and subsequently reported on my credit file. Additionally, I have noticed collections appearing on my report that I did not authorize. These inaccuracies are significantly affecting my credit standing and causing me considerable distress. 

The Fair Credit Reporting Act ( FCRA ) entitles me to a prompt and thorough investigation of any disputed information on my credit report. Your continued failure to respond not only violates these rights but also exacerbates the financial and emotional toll of the identity theft I am experiencing.
Product: Credit reporting

Experian is reporting incorrect information on XXXX XXXX account # XXXX they are reporting that the account was charged off it was not I have already disputed this item XXXX times and gave Experian proof of no charge off and they refuse to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated this account nor do I have a contract with your company XXXX XXXX, XXXX XXXX. This item is fraudulent and needs to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the XXXX According to the FCRA XXXX, XXXX XXXX. XXXX this information must be blocked immediately within XXXX business days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ( Account : XXXX ) I recently reviewed my credit report and noticed that my XXXX XXXX  account is inaccurately reporting a late payment. However, all payments have been made on time, and this late payment notation is incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are required to ensure the accuracy and completeness of the data they report to consumer reporting agencies. Reporting information with actual knowledge of errors is a direct violation of this law. 

The credit reporting agencies have an obligation to maintain accurate and up-to-date records. My account has never been late, and I have attached a copy of my credit report reflecting this error, with relevant dates highlighted for reference. The incorrect late payments are reported as follows : * TransUnion and Experian incorrectly report a 30-day late payment for XX/XX/year>. 
* Equifax inaccurately reports a 30-day late payment for XX/XX/year>. 

I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX 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 XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. XXXX XXXX XXXX XXXX XXXX - Block of information resulting from identity theft XXXX XXXX ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 

XXXX, XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX b ) Equifax XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is XXXX to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( b ) XXXX Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!! 
XXXX, XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ) Equifax XXXX XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is XXXX to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( b ) XXXX Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!! 
XXXX, XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX b ) XXXX XXXX XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is XXXX to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( b ) XXXX Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!! 
XXXX, XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ) XXXX Equifax Account XXXX : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is XXXX to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( b ) XXXX Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

approximately 2 years ago I was approached by someone from our bank where we had personal and company accounts for the last 8 years, namely wells fargo, to open a credit card account. at the time I thought that they were very helpful because 8 years ago I had filed for bankruptcy, and it was very difficult to restart my credit worthiness. 
they opened my account with XXXX credit line, 6 months ago they increased it to XXXX. 
in the apprx 2 years that I had the card I never went over my limit. I never was late in payments and always paid in full. the card has a 1 % reward and I was able to amass a total of XXXX which we left in the account ( what a fool I was ). 
on XXXX XXXX 2017 we received a letter from wells fargo stating that the account was closed immediately as of XXXX XXXX. I called customer service and after having been passed to XXXX different depts. I was told that XXXX account was closed and they did not have to explain why and that the XXXX that I had as rewards were also not available. 
I believe that 1. they should have given me the possibility of claiming the rewars 2. been able to tell me why they closed the account since my credit is at XXXX with no negatives other then the bankruptcy of 8 years ago..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account # XXXX I never received my debt validation letter I requested and in 15 U.S.C 1681 section 602 A. States have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

BANK OF AMERICA AND XXXX SAID MY XXXX XXXX EXPIRED YESTERDAY. I HAVE PROOF OF CALLING FOR PAST TWO WEEKS SYSTEM KEPT REJECTING MY XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, XXXX XXXX XXXX XXXX reported XXXX XXXX account as " 30 days '' late. This resulted in XXXX XXXX credit score ( s ) dropping " XXXX '' credit score drop across all 3 credit bureaus : Experian, XXXX XXXX and XXXX XXXX 

On XX/XX/year>, XXXX XXXX XXXX XXXX reported XXXX XXXX account via Consumer Financial Protection Bureau website as THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. 

Your agency been provided proof XXXX XXXX credit scores initially dropped XXXX points In XX/XX/year> across all XXXX credit bureaus : Experian, XXXX XXXX and XXXX XXXX to incorrect credit reporting, by XXXX XXXXXXXX XXXX XXXX You have been provided proof XXXX XXXX XXXX XXXX  has corrected & updated XXXX XXXX account with the correct information stating, THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. If your agency has reported no late payments listed for XX/XX/year>, from XXXX XXXX XXXX, XXXX XXXX XXXXredit score should be immediately restored & increased by XXXX points by your agency. 

Reducing XXXX XXXX XXXX XXXX ( XXXX ) by XXXX points based on incorrect information is illegal & a violation of his rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. Any refusal to restore XXXX XXXX XXXXredit scores by the XXXX points your agency initially took from him in XXXX of 2024 ( based on incorrect information ) is illegal & a violation of his rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. 

On XX/XX/year>, XXXX XXXX XXXX XXXX provided your agency proof via Consumer Financial Protection Bureau website they corrected XXXX XXXX account stating, THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. Thus, correcting their mistake in XX/XX/year>. 

Therefore, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., XXXX XXXX credit score ( s ) should be immediately restored/increased XXXX points by all 3 credit bureaus : Experian, XXXX, and XXXX. The corrective actions by your agency should result in XXXX XXXX credit score ( s ) increasing by XXXX points and ranging from ( XXXX ) points respectively.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX