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

My account with XXXX, XXXX, XXXX XXXX, XXXX & 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 in 60 days 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, XXXX XXXX, XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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


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


Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX XXXXXXXX # XXXX - XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX - XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - XX/XX/XXXX Account Name : XXXX XXXX # XXXXX - XX/XX/XXXX Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX # XXXX XX/XX/XXXX
Product: Debt collection

According to 15. U.S.C. 1692C you have violated my rights by in lawful communications. Please remove this collection off of my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

I opened account with XXXX XXXX XXXX in XX/XX/XXXX and refinanced it in XX/XX/XXXX for no reason they are reporting a 90 day late on my credit report on XX/XX/XXXX. I couldn't have been late and refinanced and I have documentation showing all of those payments are made and the person I spoke with on the phone admitted no payments were missed but the late remains on my credit bureau. After I refinanced it and pulled more money out they started a new account and sold my account tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When they did this XXXX  I was unable to log into their online site to pay my bill that month and when an account is transferred like this they are not supposed to report late payments because of issues like this. I was out of the country and only had access online and was unable to utilize their online services. They reported another 30 day late which is stopping me from being able to refinance this account. I need CFPB to aid in removing these lates from my credit bureau so I can get away from this company and their incorrect reporting issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report, due to fraud and identity theft. The hard inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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

I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX. Hard Inquiries : XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX 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, AND XXXX, have all violated my right. 

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 an account without my written instructions.
Product: Checking or savings account

Axos Invest , Inc ( a part of Axos Invest LLC and Axos Bank XXXX purchased XXXX where I had an account. One of the features XXXX offered which Axos continued offering was automated " tax loss harvesting. '' Essentially this feature sells a fund at a loss and purchases a different index tracker to generate tax savings. 

This requires Axos to generate an 8949 in addition to a 1099. Axos has failed to make these documents accessible via their online portal. I have had to reach out to them multiple times with the current correspondence beginning on XX/XX/21 and they've so far only provided the 1099 on XX/XX/21, from which it will be incredibly difficult and burdensome if not impossible to generate the appropriate 8949. It is also important to note they transmitted this document to me through email which while convenient, is insecure and against industry best practices. 

I have continued to contact them about this issue and they have mostly ignored me. I am reaching out now to FINRA as a last resort so that I can prepare my taxes on-time. 

XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my personal information was hacked into and I am receiving constant emails about loan applications and credit card inquiries. I did not give my permission for this to happen. I have damages to my vehicle due to authorized repairs that I did not approve as well. My email and phone number are completely compromised. My phone carrier is XXXX  XXXX and they have allowed another person to have full access to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm making sure my personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, are immediately deleted from my file. I have things that are reporting on my credit file that were previously deleted by other CRAs but still being reported by EQUIFAX. Attached below will be proof that the things being reported on my profile have been DELETED BY OTHER CRAs but still being reported by EQUIFAX. on XX/XX/2022 i received an updated copy of my credit report showing XXXX were unable to fully verify accounts on my report. It was deleted immediately afterwards. Same with XXXX. But unfortunately, Equifax is still showing these accounts on my report. I NEED EQUIFAX TO UPDATE MY CREDIT REPORT WITH THOSE ITEMS REMOVED THAT WERE REMOVED FROM OTHER CREDIT REPORTING AGENCIES 15 U.S.C. 1681i 15 U.S.C. 1681i 15 U.S.C. 1681i
Product: Money transfer, virtual currency, or money service

I contacted Cash App to dispute a transaction. They told me I had to take it up with my bank. Even though my bank had nothing to do with it, it was Cash Apps fault. I sent {$200.00} to a friend on Cash App and I had it on Cash app. They took it from my bank and Cash app at the same time. I contacted my bank and they refunded me my money. I was satisfied with that. I figured they would figure it out. Then a couple months later Cash app puts me in the XXXX. My bank account ended up getting closed bacause of this and I know it was only XXXX but it came at the worst time possible and caused a snowball effect. I don't know they can get away with that. Not only got away with it but every time i called customer service they hung up on me. I never cussed or was even remotely rude. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be the XXXX attempt to stop XXXX from reporting XXXX closed accounts for the US Department of EducationXXXX and XXXX closed accounts XXXX/Dept of Education on my credit report XXXX These accounts have been closed since XX/XX/2020 and XX/XX/2020, respectively. They do not show as open accounts on XXXX and XXXX which I also explained to them on the forms and in a letter. The impact of having this information displayed on my account as open has kept me from being able to rent/lease a place to live because my credit score is too low ( XXXX ) and it shows reason code : XXXX - The total of your delinquent or derogatory account balances is too high. We currently live in a hotel. 
Secondly, I have asked more than 3 times for a duplicate account from Alpine Credit IncXXXX XXXX of Colorado to be removed from my credit report. The company charged me twice for the same day of service and the bill was paid in full by my insurance company. They never send any documentation to my email address, they only tell me " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account #. Where is the proof? I have even written XXXX XXXX of Colorado and Alpine Credit Inc and neither of them have emailed any verification documents or proof either. 
The information contained on one credit reports should be exact or at least similar in content and XXXX is always different and the worst when it comes to depicting someone's owed or owned debt. I am disputing these items every 3 months, if necessary, until they remove it or until I contact the Office of the Attorney General. I don't want to live in a hotel forever but until they remove the closed accounts for US Department of Education and XXXX/Dept . of Ed, and the duplicate account for Alpine Credit Inc., we will continue to live here because my credit score will never be high enough to rent or lease a place outside of here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING. I HAVE A POLICE REPORT MADE AND IS IN A PDF FORM. 


CFPB Write up In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

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 Convergent, the accounts listed on my attachments has 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 an 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 any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX MO XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

THE   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , AS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   AS TRUSTEE, FOR THE CERTIFICATEHOLDERS,   XXXX   XXXX  , MORTGAGE PASS- TROUGH CERTIFICATES SERIES Mortgage on  XXXX / XXXX 2007 with a loan amount of   XXXX   for 360 months at 7.250 % interest rate.
<P/>
Grievance Notice under Clause 20 of the Deed of Trust/Mortgage & 12 C.F.R. 1024.35 Loan ending in  XXXX  I am writing to report my grievances regarding the mortgage transaction involving my property.
<P/>
The grievances are as follows ; 1. Deed of Trust may be void, or avoidable in bankruptcy.
2. Fraud in creation of stated income, unconscionable debt ratio and inability to repay.
3. ECOA violation failure to take written application.
Product: Credit reporting or other personal consumer reports

This is my second endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has intentionally made it difficult for their user to cancel there subscription : 1. there is no entry to un-subscirbe 2. there use to be an faq regarding unsubscribe but they now remove it 3. support call been redirect to automatic machine, with no option to unsubscirbe After repeated request they will eventually cancel it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Banking XXXX TransUnion reported a inquiry that I did not in fact authorize or sign for so please remove it, I called company XX/XX/17 and XXXX stated that they could not give info at the time because of limited info given.
Product: Credit reporting, credit repair services, or other personal consumer reports

To who it may concern i have recently discovered that is unauthorized and i did not approve it to reflect on my credit report. I believe i may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my report and i am insisting that they be deleted from my credit report as soon as possible.these items are fraudulent and impacting my relationship with credit i have reported the theft commissions identity theft affidavit in regards to this incident please investigate these matters and remove the dispute items as soon as possible.
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 XXXXXXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXX Balance : {$140.00}.
Product: Debt collection

I received a notification ( 3rd time ) that a collection was placed on my XXXX  credit report. The bill was from XXXX and I have NEVER had an account with XXXX. I wrote letters to the past two collection agencies and they removed the entry from my credit report. However, this company, CCS Collections has entered this collection on my credit report and refused to remove it.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department. I am writing to formally dispute inaccurate information that remains on my credit report despite previous dispute file with your agency. I would like to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S code 1666 ( B ) under the billing error category ; ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued by the obligor on a statement.

( 5 ) a computation error or similar accounting error made by the creditor on a statement.

It is my Knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to be render any ramifications of late payments regarding the linked accounts.

I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I fail to make a payment resulting in an erroneous designation as late-a sign of an invoicing error therefore.

The failure to correct or remove this information after my attempt to resolve it is in violation of your obligations under The Fair Credit Reporting Act ( FCRA ), As recently highlighted in The Consumer Financial Protection Bureau ( CPFB ), lawsuit against Experian ( Case No.8:25-CV-24 ) you also violated my Consumers Rights And Privacy under the 605B.1666B.1681B and 1637B.

I am a victim of the latest data breach.

I humbly request that the subsequent entries be promptly updated on my consumers report to reflect their current status as follows : paid as agreed
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Status : Charge-Off Status Update : XX/XX/XXXX Transferred to another lender Purchased by another lender Balance {$0.00} Balance Updated XX/XX/XXXX Credit limit {$1100.00} Account info Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card PAYMENT HISTORY LEGEND Status Charge-off Status updated XX/XX/XXXX Past due amount - Highest balance - Monthly payment - Company sold Original creditor-
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries on my credit report from fraud on my credit
Product: Checking or savings account

I attempted to transfer funds from my Citi savings account back to the XXXX  checking account I originally transferred it from. They froze my account and will not unlock it without the account number. Since I receive only electronic statements and they have frozen my online access, I have no way to give them the account number. I have given them all other information. They said I have to go to a physical location that is XXXX miles round trip.
Product: Mortgage

On Monday XX/XX/XXXX, I emailed per their guidelines a one time {$1200.00} abatement statement from our tax department. Our taxes annually for the XXXX XXXX year were approximately {$10000.00} prior to this abatement. Flagstar stated that if they had questions or needed follow up information they would reach out. We heard Nothing. 


On XX/XX/XXXX we received a new escrow analysis that they had instead LOWERED our entire taxes to {$2100.00}, or the tax abatement x 2. This significantly affected our payment as you can imagine. And if their employee would have just actually read the statement it would have been completed correctly.

Since that day I have no less than called 10 times to have this situation corrected and as of today XX/XX/XXXX I have been called " irate '' in their notes as well as likely other things and the situation remains the same. Most recently I have been told the new escrow statement has been issued but won't show up online for days and they're still unsure how this will effect the payment. Additionally, they issued a refund of an obvious overage from the XX/XX/XXXX analysis and my XXXX payment is coming due which is likely creating a clear under value in the account. 

They have been nothing but misunderstanding of the entire situation. They have admitted to not following protocol SEVERAL times. They stated that they always check with the county ( in our case city ) to confirm the tax amount before abatements are processed. But, if that was true, then how did ~ {$8000.00} in taxes go missing. They have blamed this entire situation on their XXXX XXXX, however, since they are the servicer of the mortgage it truly falls on them. As a industry professional I was understanding of this for the first couple weeks, but we are now a month in and we still have no resolution and no help from Flagstar.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS XX/XX/2023 Ive noticed fraudulent accounts CAPITAL ONE CREDIT CARD Amount owed XXXX $ XXXX List of fraudulent inquiries below 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 fin fc XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not reported the payments I have made to them, to XXXX, XXXX and Transunion since XXXX XXXXPlease update this reporting.