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

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX ( OPENED 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 In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( OPENED 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 In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( OPENED 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 In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( OPENED 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, credit repair services, or other personal consumer reports

These accounts listed on my credit report are fraud. I have explained to TransUnion representatives several times but they continue to report Fraud accounts. The accounts for Division of Child Support, XXXX XXXX, XXXX, and XXXX XXXX are not mine. I have not received anything from these companies & did not give them my information to open any accounts. This stuff does is all FRAUD.
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 w
illful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed unrecognized inquiries on my consumer credit report provided by equifax through a mail sent to equfax by mail on the XXXX of XX/XX/2022. Till today equifax has not responded.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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. 


TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX XXXXXXXX  and signed and notarized a Truth and Facts Affidavit which I had notarized and both are attached. Please Block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize 1. Identity Theft XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report.

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c2 ) which states that these accounts must be removed within 4 Business Days of receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting yet another CFPB Complaint requesting the deletion of the fraudulent items off of my Credit File. Despite the multiple written letters I sent to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/2023, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted 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. Also, the Credit Bureaus have been claiming that the disputed accounts belong to me without sending me any documents to support such claims.
Product: Credit card

I have been receiving calls from a debt collector stating they are seeking payment on a debt in the amount of {$2200.00}, and how would I like to pay. I asked the representative to send me a statement, along with application of credit that shows my signature where I supposed to have signed an agreement to have a credit card opened in my name. I was told that my address and name was proof enough, and that the burden of proof was on me. I was also informed that they can not show proof that I signed an agreement, due to the possibility that the credit was most likely done on a computer or online. After going back and forth, the representative told me to file a complaint with the XXXX, and a copy of a of the police report in 2022, I also explained that I had the credit bureau dispute negative reporting on my account, and they were successful of removing negative accounts. I do not see any credit card debt on my account, my credit score has been raised, and I have credit monitoring moving forward to stop any further fraud in my name or towards my SS #. Hopefully after this complaint it will stop all future calls. 


Thanks, XXXX XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692 the company by the name of EOS CCA has violated my rights. 15 U.S.C. 1681 Section 602 ( a ) ( 4 ) States that There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S.C. 1681 Section 604 A Section 2 states that any consumer reporting agency may NOT furnish a consumer report without the written instructions of the consumer to whom it relates. I have no knowledge of this company. I have signed no contract with EOS CCA. I found out about them when they appeared on my credit report. Damaging my credit score and furnishing inaccurate information.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed on XX/XX/XXXX, well before the due date. 

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

to whom it may concern, XXXX we have been the victims of identity theft,. people have been pretending to be us via a veteran program called XXXX. three people XXXX XXXX XXXX XXXX and XXXX XXXX ( property manager. ) people were illegally attached to us via XXXX XXXX XXXX and XXXX XXXX. fifth third has already verified XXXX. we believe that XXXX  XXXX ( fifth third ) and XXXX XXXX related to each other along with XXXX XXXX in XXXX north carolina. we believe that XXXX XXXX at fifth third on XXXX and maybe other banks she worked at. it was brought to my atttention back in XX/XX/XXXX on camera by a teller she was assigned to our accounts..we never signed any paperwork for her to be our payee or power of attourney, we didnt authorize anyone, including XXXX XXXX  and XXXX XXXX of XXXX including XXXX XXXX or anyone else including XXXX XXXX XXXX, also including the adjacent XXXX  XXXX that was illegally attached to us via XXXX. we have paperwork stating that XXXX was our payee. and that was paperwork given to us by ss admistration. ss administration knows that we dont have payee. and suggested we get monies back from fifth third. fifth third has been uncooperative.. even fifth third verified people had numerous bank cards in our name. 
we can be reached at XXXX XXXX XXXX ( home ) .we have paperwork documents to prove this. once again XXXX XXXX at fifth third on XXXX ... XXXX XXXX XXXX. we never authorized XXXX to do anything with our accounts. the other number where i can be reached is XXXX XXXX XXXX. there is red flag on two numbers XXXX XXXX XXXX and XXXX XXXX XXXX.. these our old number we no longer use but someone has them pretending to be us and speculate assume its XXXX  XXXX ..illegally attached to us via XXXX  embezzling monie from us to because they illegally had our ss numbers. and we speculateXXXX was living here for two years prior to us being here pretending to be us through XXXX. irs already verified over phone some onXXXX was living here in our XXXX  XXXX two years prior to us moving in XX/XX/XXXX XXXX. our XXXX XXXX said XXXX  , and so did XXXX  XXXX and fiftth third. there was bogus account called XXXX XXXX  XXXX.. and this XXXX ( who we never authorized to payee or power of attourney ) had opened commercial bank account..it was verified XXXX XXXX  had our info, .back in XXXX identity theft in the year XXXX. we opened XXXX   account XXXX and thats how we found out someone was usig our name. XXXX ... so how many people via featherfist XXXX XXXX XXXX XXXX illegally gave ss numbers because people illegally attached to us via XXXX. we speculate more banks. mr XXXX verified, how many XXXX XXXX ... so multiple women pretending to be me and my husband as well mr. XXXX XXXX XXXX XXXX. he stated this over phone. mr. XXXX did. the XXXX police have already verified multiple id in our name. including driver license my husband never had drivers licence. so bottomline embezzlement from above named mentioned XXXX first initial XXXX at fifth third on XXXX and XXXX  and XXXX XXXX.. ( alleged property manager aka slum landlord ) placed on us XXXX XXXX  XXXX and XXXX XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX continuously calls me concerning an amount I owe. They call every day, even on weekends. The calls begin early and have continued as late as XXXX. This is interfering with work and time with my family.
Product: Debt collection

For several months I've tried to set up a payment plan for my account. I have called several times, no one would return my phone call, nor will they assist me with resolving this debt. They have turned my account over to a collection agency and increased the amount of the debt that I owe.
Product: Checking or savings account

This regards a bonus offer of {$600.00} for opening a checking account to which there would be direct deposits. The requirements were fulfilled but the bonus paid was only {$300.00}. 
When signing up for this, I was responding to a specific code. When I phoned regarding this issue, I was told I didn't have enough numbers for the correct code. But when talking with a supervisor, I was told that the bank had no record of the code which specifies all the details of the offer. Obviously, someone is lying. She claimed there never was such a bonus offer. The code is XXXX ( or could be XXXX ... can't read my own handwriting. ) It has been my experience in trying to get banks to fullly pay the bonus due that they endeavor to not pay or pay less and put up as many obstacles as possible. This is across the board with 3 banks. 
The CFPB needs to look into this issue. It is bad.
Product: Debt collection

I was in my house when XXXX men showed up looking for XXXX XXXX. I told them that was my previous name. They made me sign a document and handed me a garnishmentletter. I was very shocked because I do not oweanyone anything under that name. I came to this country at the end of XXXX with a tourist visa and I was living with my cousin who supported me financially. I overstayed my visa whichwasonly good forXXXX months and I was illegalwith no work documents. I got married in XXXX to a XXXX citizen, and took his last name of XXXX and about 6 months later I obtained my work authorization and social security number and was valid to work so I got employed. All the loans I had were under thename of XXXX XXXX. I could not have had a prior loan because I did not have working paper and no job.To my surpriseI received the garnishmentpaper under the name of XXXX XXXX. Iresponded to the orderof show cause that I do not owe anyone and I do not know the people suing me. To my surprisethe court clerktold me that it was a judgement against me and that I also settled the case. I believe thatthey illegallyobtainthat judgement and are attempting to sue me.I have the right to be in court during the judgement.. I neverreceivedany court documentsand did not settle anything. XXXX XXXX and his lawyer sued me behind myback and I was not aware ofjudgement therefore they got a default judgement against me 19 years ago. I am living in the same apartment 23 years ago. I nevermoved. The court also toldme that someone requestedthecase archive XXXX which was not me. They wait until XXXX to start togarnish me. I contacted my XXXX local XXXX and was given a lawyer which I found out later he was not a debt lawyer when he started telling things that after searching on the web were not accurate. He advised me to settle and get over it. 
I settled a debt for {$2000.00} that I did not even owe.I don't even know these people. When the lawyer responded to my order of show cause it got even very strange with an account number and date that was not true. I requested an archive of the case from the court. I was told it would take time because the debt was XXXX XXXX XXXX. Now I asked for a satisfaction of judgement and my lawyer was not even able to get it from them. XXXX my lawyer stated that they claimed that I paid {$1900.00} I sent him the proof of the XXXX money orders of {$1000.00} each. My lawyer contacted them with the proof and he is still waiting. He provided me with proof of an email he sent to them .Please investigatethese people before they do the same thing to someone else. I believeI was scammed.I have a lot of things going in my life I want to get in the bottom of this
Product: Debt collection

I WAS SUED AND THE LAWFIRM SERVED A XXXX. WITHOUT KNOWING MY RIGHTS, I OFFERED TO MAKE MONTHLY PAYMENTS ON WHAT I BELIEVED I OWED. SINCE THEN, THE LAW FIRM CAN NOT PROVE WHAT I OWE AND WHAT MY ACTUAL BALANCE IS. EACH BALANCE THEY ATTEMPT TO GIVE IS SUBSTANTIALLY DIFFERENT INCLUDING THE BALANCE THEY SUBMITTED ON A BANK LEVY. I BELIEVE I MAY HAVE MORE THAN REPAID WHAT I OWE BUT XXXX XXXX XXXX INSIST THAT JUDGEMENT INTEREST IS THE REASON MY BALANCE KEEPS DOUBLING. THERE IS NEVER A CONSISTENT RENDITION OF WHAT I OWE NOR HAVE I BEEN PROVIDED A LEGITIMATE ACCOUNTING DESPITE MY REQUESTS FOR SAME.
Product: Checking or savings account

In XX/XX/2018, applied for and was accepted for the Citibank checking and saving bonus of {$400.00} for depositing and maintaining a {$15000.00} balance in one or both of the checking and savings accounts for 60 days. I opened the accounts online and on XX/XX/2018 I went to my nearest branch to deposit the {$15000.00} and fill out the required forms. The teller asked me which account I wanted the money in. I said the one with the higher interest rate. She therefore put the deposit into the savings account. I made a few calls to Citibank on XX/XX/XXXX and eventually spoke with XXXX who confirmed that I was eligible for the bonus after fulfilling requirements. I also received an email confirming this as well. The {$15000.00} has remained in the savings account untouched for 90 days, however the {$400.00} bonus has not posted. I noticed that Citibank closed the checking account without warning despite having the required {$15000.00} in the linked savings account. I have called Citibank today XX/XX/2018 and was on hold for 30 minutes. I called again and got frustrated by not knowing which of their prompts to use to get through to someone to to talk to about this. It is always hard to get to someone who can help and takes up a lot of time.
Product: Credit card

I recently used my new credit card ( XXXX XXXX XXXX XXXX ) and went to settle my monthly bill online. I planned to pay the bill in total, which is what I always do to avoid interest charges. I was able to select either " PAY NOW '', " DUE DATE '' or " OTHER DATE ''. To be sure I paid in time I selected OTHER DATE and it pulled up a calendar allowing me to select the date and month. I selected XX/XX/XXXX which was one week ahead of my due date of XX/XX/XXXX ( attached file XXXX [ XXXX ] .PNG ). When I entered this it took me back to the confirmation screen ( attached file XXXX XXXX XXXX XXXX XXXX XXXX. In this you will see that the date shown is not XX/XX/XXXX as I selected but XX/XX/XXXX. Their algorithm added 1 month to the date. This means that had I not noticed this I would have been late with my payment. I checked this a couple of times with other months and the algorithm always did the same, meaning it added a month. 

THIS IS SHARP PRACTICE FROM THE CREDIT CARD COMPANY. THEY MAKE MONEY FROM INTEREST FEES AND HAVE PROGRAMMED THEIR ALGORITHM TO CAUSE PEOPLE TO MAKE A PAYMENT DELAY BY MISTAKE
Product: Credit reporting or other personal consumer reports

I sent a certified letter to all XXXX bureaus asking them to correct the accounts that are reporting inaccurate information. I disagree with the accounts listed below, which still appears on my credit reportes, even after your investigation. The accounts below are reporting inaccurate, and hurting my ability to obtain obtain credit and housing, amoung other things. XXXX failed to investigate these accounts properly, after repeatedly asking to have these accounts updated or deleted. XXXX, has once again violated my consumer rights. Im demanding a deletion of the following accounts. 

XXXX XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX ( formerly known as XXXX ) Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX -- XXXX XXXX Account # : XXXX -- XXXX Account # : XXXX XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

There are some inquiries that I do not recognize and I did not do them. I would like to know if you can eliminate them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>