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

My account with EXPERIAN 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 in ( MONTHS REPORTING LATE ) 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. 


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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

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 account without my written instruction.

The company reported late payments to my credit profile without taking proper action to ensure reasonable procedures were in place for me to receive statements at least 21 days in advance. Therefore, they are in direct violation of 15 U.S Code 1666b. 15 U.S Code 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, 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. 

My reputation, credit, and mental health have been negatively affected due to this unlawful violation from this company.
Product: Debt collection

account number is XXXX seen this on my credit yesterday it says it is from a place called XXXX XXXX XXXXXXXX i never stayed here the address for this place isnt even on my credit report! my identity was stolen back in 2023 and i am still dealing w issues from it. i will upload a police report from another apartment i had to make a police report against
Product: Credit reporting or other personal consumer reports

Applied for credit with Wells Fargo. I received a letter from them with application number. On the letter they said that they could not identify me, the applicant. I went on all three credit reporting agencies, XXXX XXXX, XXXX and XXXX XXXX to check my personal info. It was all correct. My question to you is, was I denied because of my age? My life partner was also denied. The amount was for XXXX dollars. Neither of us have never been denied credit. Both of credit scores are XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

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

=========================== UNAUTHORIZED INQURIES : XXXXXXXX XXXX XXXX XXXX XX/XX/2022 =============================== 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: Student loan

I had never been informed of income driven repayment or even a suggestion to talk to my accountant about filing separately from my husband so only my income would be considered. There is no way we can move forward in our life financially with me paying over half of my monthly income towards Navient. He pays all of the normal household bills and I take care of my student loans, however we are unable to apply for a mortgage due to my massive student loan debt taking a large chunk of my income. As a result almost all of my other loan repayments are delinquent or nonexistent. I was also never informed my cosigner could be released. When I would call to try to lower my payment, I was talked into a forbearance and now owe about XXXX additional due to this misguided information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My BB & T Acct has never been late. It was an accounting issue with BB & T.
Product: Credit reporting or other personal consumer reports

Re : Formal Dispute of Account Balance - XXXX Account Ending in XXXX To Whom It May Concern : I am writing to formally dispute the reported balance associated with the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. The balance reported for this account is incorrect, and I am requesting a thorough investigation and correction. 

This account was charged off by XXXX XXXX ( XXXX ) and is now under the purview of XXXX XXXX XXXX for collection. A charged-off account is recognized as a financial loss for the original creditor, and, under generally accepted accounting principles, XXXX should no longer report any balance due. Therefore, the balance should reflect XXXX, and any continued reporting of this balance by XXXX is misleading and inaccurate. 

Furthermore, I have noted that XXXX has been engaging in a predatory and fraudulent practice by continuously re-reporting late payments every month on this closed and charged-off account. This is not only a violation of the FCRA but also an unethical and deceptive tactic aimed at damaging my creditworthiness. These actions undermine the integrity of credit reporting and constitute fraudulent behavior on the part of XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I also request that XXXX XXXX XXXX provide full validation of this debt, including : XXXX. Documentation proving the accuracy of the amount claimed. 
XXXX. A detailed explanation of why XXXX is reporting a balance despite the account being charged off. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect this debt. 

If XXXX and XXXX XXXX XXXX can not substantiate the claims regarding this account, I respectfully request that : XXXX. XXXX immediately update its records to reflect a XXXX balance on this account and cease any further re-reporting of late payments. 
XXXX. XXXX XXXX XXXX halt all collection activity on this account, in accordance with the FDCPA. 

Please respond to this dispute within the legally mandated time frame as required by the FCRA. Additionally, I demand that you refrain from reporting this debt or any associated balance to any credit reporting agencies while this dispute is under investigation. 

Your prompt attention to this matter is appreciated. Please provide all correspondence in writing to the address listed above. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Since XXXX, the Department of Education ( " DEPT of ED '' ) has been reporting my personal information to XXXX, TransUnion, and XXXX in violation of 15 USC 6802, FERPA, UDAAP, and the 1974 Privacy Act. Since learning about these violations of my federally protected rights, I have made numerous complaints to XXXX, XXXX, and TransUnion, as well as, to the different servicers of my federal loans such as XXXX XXXX, XXXX, and XXXX. To date, the DEPT of ED, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and TransUnion STILL CONTINUE TO REPORT MY PERSONAL INFORMATION IN VIOLATION OF MY FEDERALLY PROTECTED RIGHTS.

DEPT of ED FAILED to provide me with any of the disclosures that allow for me to opt-out of any/all reporting of my personal information nor were they supposed to disclose my information without my permission per FERPA and the 1974 Privacy Act.

DEPT of ED, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and TransUnion continue to willfully, negligently, and recklessly report my personal information, and transaction experiences on my consumer credit report AND credit file. 
DEPT of ED, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and TransUnion failed to act to protect my personal information as required by 15 USC 6802, FERPA, UDAAP, and the 1974 Privacy Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'VE DISPUTED THIS FRAUDULENT ACCOUNT AND CONTACTED THE CREDITOR NOTIFYING THEM OF THIS FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY CONSENT. THE ACCOUNT IS XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XXXX
Product: Vehicle loan or lease

Loan for business vehicle was secured on XX/XX/2018. Each month the invoice for the payment on the loan is received with the incorrect name of the business on the payment remittance slip and the 'TO ' address that shows through the loan payment window. I have sent certified mail return receipt documents to the correct business address of the Loan company ( Citizens One ) to have the information correct and have received three letters and the initial loan paperwork that had the business name correct. I have called and talked with a supervisor and back area supervisor regarding the incorrect business name and each time the invoice is changed for one month and then it reverts to the incorrect business name.
Product: Credit reporting or other personal consumer reports

I submitted a dispute regarding accounts on my credit report. I reached out to the credit card companies for validation of debt and they have refused to do so.

Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. Now the accounts are being reported as charge off.

I have been researching and looking up my consumer rights under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1692g,1681A1A and 1681s-2 have been violated. The accounts listed below do not follow FCRA. 

XXXX XXXX  Account number XXXX Account type Credit card 2.Account name XXXX  XXXX Account number XXXX Account type Credit card For the months of XXXX and XXXX the account is being reported 30 days late. How could this be when there is only 30 days between the month? 
3.Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Charge Card This doesn't show when the last payment was made and the amount there is no data that supports the accuracy of what's being reported. 
XXXX Account XXXX XXXX Account type Charge Card This doesn't show when the last payment was made and the amount there is no data that supports the accuracy of what's being reported. 
XXXX Account number XXXX Account type Charge Card This account reported 30 days late XX/XX/XXXX then XXXX was ND ( No data period ) then XXXX is 60 days late which is confusing to me was there a payment reported by the data furnisher if so how would you determine the accuracy? 
XXXX. 
XXXX XXXX  XXXX Account number XXXX Account type Credit card This doesn't show when the last payment was made and the amount there is no data that supports the accuracy of what's being reported. 
XXXX XXXX  Account number XXXX Account type Credit card Responsibility This account its reporting two 30 day late payments back to back during XXXX and XX/XX/XXXX then 60 days late back to back XXXX and XX/XX/XXXX then 90 days back to back for XXXX and XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX I was making normal stock options trades and ending the day profitably when I get an email from Robinhood saying my account is restricted due to " unusual account activity ''. 

Nothing about my activity was unusual. I immediately called the customer support and spoke to XXXX who sent me a link to upload my identification, a selfie, and a bank statement. I provided all requested materials happily. 

XXXX said that even though I provided everything correctly my account would still be restricted for a few days.

I wait 2 days to no changes. I call back on the 6th and it is as if there is no record of my previous conversation or the uploaded demands. I do it again and the representative tells me the same story. It will be 4-5 days.

It has now been over a week and every day the banned telling me my account is restricted changes the date to expect it to be resolved. On the 5th it said by the 6th, now it is the 10th and it says by the 11th. Meanwhile the instructions in the emails do not reflect the options in the app, they tell me to find a " Action '' button that is not there.

I am filing a complaint because after researching Robinhood 's habit of freezing client accounts I now know that they will happily lock accounts and throw away the key, with no recourse or expectation of resolution. I am nipping this in the bud, I need my money, I trusted Robinhood to act as my bank and my broker, and it's failed both.
Product: Checking or savings account

I deposited a check into my account and the bank place a hold on it for seven days
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I noticed unauthorized items on my credit report. I contacted all three credit reporting agencies who have not been able to assist in removing the negative items being reported without permissible purpose. ( 15 USC 1681b ) They are furnishing information which were not initiated by me, hence reporting false information ( 15 USC 1681b ( c ) ( 1 ) ( a ) ( b ) ( 1 ) ( 3 ) have not given any written instruction to anyone to put on my consumer report. 
My right to privacy is being ignored by Experian, XXXX, XXXX and creditors. 

These false consumer reports has affected me adversely and I feel as if my character is being defamed.
Product: Debt collection

Some company called ERC has been pestering me, and i want it stopped! If i owe anything i will pay directly to whom i owe it to, and not some high XXXX bill collection company!
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that you are not removing files after I sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not REMOVE the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. The following are inaccurate items ; XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Balance {$0.00} ; XXXX  XXXX Balance {$0.00} ; Bankruptcy XXXX XXXX discharged Date Filed XX/XX/XXXX Reference # XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX ; XXXX  XXXX XX/XX/XXXX ; Certified Credit Rep XX/XX/XXXX ; Certified Credit Rep XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; Certified Credit XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX  XXXX XXXX XXXX Balance {$0.00} ; XXXX  XXXX Balance {$0.00} ; XXXX  XXXX Balance {$0.00} ; XXXX  XXXX Balance {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I was sent a credit card statement from Wells Fargo Bank N.A for credit provided to an individual who applied online for and received credit, made online purchases from XXXX XXXX XXXX XXXX whose corporate offices are located in XXXX, CT. The account was opened on XX/XX/XXXX and two purchases in the amount of {$380.00} were made on XX/XX/XXXX and again on XX/XX/XXXX. 

I contacted Wells Fargo immediately to report the incident. I was informed my social security number, maiden name and disconnected telephone land line from XXXX was used to create the account. They tagged the account as fraudulent. 

I contacted XXXXXXXX XXXX XXXX XXXX  directly and spoke to a gentlemen at a call center in XXXX who informed me that XXXX XXXX delivered desks and office chairs to an apartment at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. 

I contacted XXXX Credit Bureau to put a fraud alert on my remaining credit card.
Product: Debt collection

Pursuant to 15 USC 1692g ( a ) I requested validation of debt and have not received any of the information I requested. My written consent was never given to to the debt collector to even furnish information on my credit report. Pursuant to 15 USC 1681b ( 2 ). Also Discover Student Loans is in violation of 15 USC 1692e ( 2 ) ( A ) for the false representation of " Bill amount '' in the positive.
Product: Credit card or prepaid card

I was enticed to sign up for the XXXX XXXX because their website advertises that if approved, you can use the card same day either online or in store and get a 25 % discount on your purchase. 25 % off your first card purchase at XXXX today is at the top of list of benefits. So I applied and was approved instantly and given a {$4000.00} credit limit. A temporary digital card was added to my online wallet, and the website automatically set it as my default payment type. However, their system will not allow me to complete my purchase. It throws an error code that something is wrong with the card. After many multiple calls, online chat and even a store visit, a supervisor at the bank provider for XXXX credit card told me that the temporary card can not be used on the brand of product I am trying to buy. They told me to wait for the physical card. I went back and read the full disclaimer on the website ( https : //www.sephora.com/creditcard ) and there is nothing stating that the instant credit/temporary card would not be able to be used on certain brands, or otherwise. 

I feel that I have been misled by XXXX and baited to apply for their credit card under misleading pretenses. I could have purchased the product I want from multiple other stores, but I purposely close XXXX because of this credit card claim. Now I have to wait for the physical card to come in the mailthis was not stated on their website and had I known, I would have not applied for the card. I would have purchased the product elsewhere. 

I feel XXXX should be held accountable for misleading marketing about the ability to use the card immediately. It is not true in some scenarios, and they are baiting consumers.
Product: Money transfer, virtual currency, or money service

As I sit here, recounting the events that unfolded during my identity theft nightmare, I cant help but feel a mix of anger, frustration, and helplessness. It all began innocently enougha strange charge on my credit card, an unfamiliar XXXX Payment in my namebut little did I know that this would spiral into a financial catastrophe. 

And then came XXXX  month that forever etched itself into my memory. Right on my birthday, XX/XX/XXXX, everything unraveled. The thiefs actions escalated, and my life took a dark turn. My cards, once dormant, suddenly sprang to life. XXXX XXXX made, draining my accounts. But how? They were closed, inactive. The banks, impervious to logic, failed to protect me. 

On XX/XX/XXXX, I embarked on a marathon of phone calls. Claims, fraud departmentsI pleaded my case, adding new logins, fortifying security, and setting a seven-year fraud alert. Loss prevention listened, empathized, and stood by my side. But fate had other plans. On my birthday, as I sought cash, the unthinkable happened. Someone in fraud, without consulting their superior, canceled my cards. The moneyaround {$500.00} per withdrawalvanished, leaving me bewildered and betrayed. 

How could an account be closed, yet funds flow out? It defied reason. And so, here I am, clinging to hope, sharing my story. Not just for myself, but for no one else enduring this torment. 


Key Points : All Transaction will be identified in the reports attached Fraudulent Activity Concerns : I thoroughly addressed all concerns regarding fraudulent activities and unauthorized transactions in their bank accounts. 

Credit Bureau Report : On XX/XX/2024, a detailed report was submitted to major credit bureaus to mitigate negative impacts on credit history due to fraudulent transactions. 

Fraud Alert Activation : A seven-year fraud alert has been activated on my credit profile so that identity verification is needed before any credit requests are approved. 

Supporting Documents : Various documents have been gathered, including an FTC Identity Theft Report, a police report, and evidence of unauthorized account access, demonstrating the transactions were not authorized. 

I have expressed the utmost eagerness to resolve the matter promptly and trust in your expertise to do what is right and to handle the case with care. 

As Mentioned : Enclosures listed include the FTC Identity Theft Report, FTC Affidavit Form, Police Report, receipts, dates, and corresponding bank statements. I gladly consented to publishing my story to help others learn from my experience and that you can be attacked very easily when it comes to cyber-attacks.
Product: Credit reporting or other personal consumer reports

Experian, XXXX XXXX, XXXX willfully continues to violate the FCRA by reporting Transactions on my report. law 15 USC 1681a ( d ) ( 2 ) ( i ) clearly states that transactions between consumer and the person/ corporation making the report are not included on the consumer reports, but yet Experian continues to break the law willfully and report the transactions on my consumer reports. 

From what the Law states you are in VIOLATION OF THE FCRA METRO 2 COMPLIANCE And reporting violations. 

15 USC 1681a ( d ) ( 2 ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or experiences between the consumer and the person making the report ;
Product: Debt collection

I had a prior case with XXXX XXXX and I tried numerous times at your request to try and work with them. They wanted more than I was able to afford for payments. 
They over talk you and interrupt if you tell them it is unreasonable. They even threatened on occasion. Now they sold my file to Portfolio Recovery Associates LLC and even though XXXX told me it was written off the amount has grown even larger. 
I emailed my situation to them and they did there investigation and decided I have to pay them. 
I still do n't know why XXXX would n't work with Debt Helpers knowing that they would have been paid in full but at a lower interest rate. Every credit card did work with them and the mortgage got modified despite them. Do I have to pay this other company now? 
I read about them and they like to sue people.