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

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX 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 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.

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! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian /XXXX XXXX I enabled in XXXX Security Freeze then on XX/XX/XXXX Checked with XXXX XXXX  and score dropped Experian contacted and i reviewed Report and created dispute XX/XX/XXXX dispute result mailed By Experian to me and address/name incorrrect XX/XX/XXXX dispute result mailed by Experian to me using same name/Address as above I am unable to log on/ contact Experian locked out and call line drops my call when trying Fraud or Freeze. I spoke with XXXX XXXX XX/XX/XXXX to review my account it was transcription error on SSN. Called today XX/XX/XXXX. Unable to locate me by name/SSN/phone # /Address I need help ASAP. I need loan! 
XXXX
Product: Checking or savings account

Wells Fargo I have had an account with since 2013. I signed up for checking that was free as long as I used 10 debits a month. I receive tips as payments and unknown to me, I was being charged a service fee every month because it changed without notifying me. I had no idea I was being charged because it was not described on my account. I had overdrafts because of this. The new policy said if I had direct deposit I wouldnt be charged but I did not sign up for this. I dont get a paycheck because I make tips through my job as a bartender. It is not clear to me how long I was being charged. Im not sure when the change accrued. I called to complain and one lady called me a liar and the other one said they switched. I should have had a free account as long as I used my Debit card 10 times a month.

I guess they were forced to disclose this charge eventually and i thats when I found out about tbr fees being taken without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX AND XXXXXXXX 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 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 XXXXXXXX  XXXX AND XXXX XXXX XXXX XXXXXXXX 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 card or prepaid card

I had approximately {$7000.00} on gov. Benefit card and had purchases that I didnt make but more importantly there was 3 bank transfers totaling {$5800.00}. I immediately called bank when I found out trying to buy a XXXX present for my kid and was declined. I filled out their form for the {$5800.00} and was told we would get back to the other charges and it took them 90 days to get back with me and said I either benefited from or authorized the transfers and I requested what information they used to come to that determination. They sent me a copy of the monthly statement. I filed a report with the sheriff dept. here. The statement doesnt tell us what bank or account number the money went to. To reopen the case I sent them that I filed report with sheriff and also XXXX was hacked and they gave me XXXX program which says my info was for sale in dark web and leaked from XXXX. So I wait another 90 days and called in and was told that I was denied my money again. I again asked for what information they used to make their decision and was told I would get with in 10 days. I wait a little over two weeks and call back and my phone was blocked from calling them. I had friend call and his phone go right through and when I try it just hangs up. 
To recoup I had over {$5800.00} stolen out of my account and they wont tell me where it went or even talk to me and I swear I never got ugly with anyone. Any help would be greatly appreciated I gave the sheriff the monthly statement
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked experian, XXXX and XXXX to remove the inaccurate information which is XXXX and XXXX XXXX and they refuse to remove it.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I reached out to my mortgage company for possible assistance with my mortgage payment. I was divorced in XXXXXXXX XXXX XXXXXXXX and lost a substantial amount of my income. However, my mortgage payment was NEVER late. It has been on time every month since XX/XX/XXXX. In XX/XX/XXXX, the mortgage company said they could help me with a partial claim modification. They sent me the information requiring certain documentation on XX/XX/XXXX ( I have attached that paperwork for reference ). On XX/XX/XXXX, I was sent paperwork stating that I was approved for a modification trial period ( I have also attached that for reference ). The agreement was to make modified payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. If all payments were made on time then the mortgage company would approve the modification and I would move forward with a lower payment. All payments were made on time. The payment for XX/XX/XXXX was made XX/XX/XXXX and was NOT reported to the credit bureaus as late. The payment for XX/XX/XXXX was made XX/XX/XXXX and WAS REPORTED AS LATE to the credit bureaus. The payment for XX/XX/XXXX was made XX/XX/XXXX and WAS REPORTED AS LATE to the credit bureaus. I have attached the payment history for reference as well. I have also attached the final loan modification paperwork from the mortgage company stating that all payments were made on time and my modification has been fully approved. The entire reason I reached out to the mortgage company for help was so that I didn't run the risk of not being able to make a payment on time and having it affect my credit. I did everything like I was supposed to and I was STILL reported late. I do not feel this is fair because now these two late payments that were not late have been reported to my credit and my scores have gone down significantly. I have worked very hard to try and clean up my credit and this just put me right back where I started. I have reached out to the credit bureaus and have disputed these late payments and no change has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has continually failed to comply, intentionally, and has additionally violated my federally protected consumer rights to privacy and confidentiality. Self/Inc Lead Account ( XXXX ) also reporting not 100 % accurate across bureaus. Under 15 USC 1681 ( a ) ( 4 ) -I have the right to privacy.

15 USC 1681b ( a ) 2 -states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. Under 15 U.S. Code 1681c ( a ) ( 5 ) -states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 

This account reporting is clearly adverse information. In addition to this, I was not CLEARLY AND CONSPICUOUSLY provided with outlines of my consumer rights to opt out from credit reporting PRIOR to this account hitting my credit report.

15 U.S. Code 6801 each financial institution has an obligation to respect the privacy of its customers and to protect the security/confidentiality of their nonpublic personal info. 15 U.S. Code 6802 ( a ) business may not disclose to a nonaffiliated third party any non-public personal information ( b ) Opt out ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given opportunity to direct that info not be disclosed to such third party ; AND ( C ) the consumer is given an explanation of how they can exercise that option.

15 USC 6809 ( 5 ) " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution. 

Nonaffiliated XXXX party = CREDIT BUREAUS ( XXXX, etc ) 15 USC 6809 ( 5 ) Affiliate means any company that controls, is controlled by, or is under common control-your company and bureaus are not.

15 U.S. Code 6809 ( A ) " nonpublic personal information '' means PERSONALLY IDENTIFIABLE FINANCIAL INFORMATION ( ii ) resulting from ANY transaction with the consumer or any service performed for the consumer ; ( B ) Such term does not include publicly available information.

Resulting from ANY transaction= ALL. This was ONLY made available by you reporting this. I did not give this consent and you continue to report this with all disregard to law.

After research and recent consultations, I will have to proceed with legal action for the violations that this company has ALREADY committed if this account is not removed from my credit report. This company is liable for damaging my reputation and for no respect to federally protected consumer rights to privacy and confidentiality. 

In addition ( just for records sake ) I will use all certified mail receipts, exhibits, phone records and recording for legal purposes going forward, if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I attempted to retrieve information from a reporting company i have no knowledge of that reporting a charge off on my credit profile. The company updated my credit report which manipulates the statute of limitations as well as never produced the proof of this alleged debt. Thus violating 15 USC 1692 ( e ) false and misleading representation and 15 USC 1692 ( f ) Unfair practices. Springoakcap is the company that is violating my rights to privacy under the Privacy Act of 1974 due to not providing the evidence of myself and the company doing any business together and possibly acquiring my personal information illegally. Also, violating federal law 15 USC 1681 not reporting information that is 100 % accurate. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, i can only presume that no proof of the alleged debt or any debt means no debt exists. 
Please remove this charge off from my credit report immediately because it is damaging myself and my families well being. 
Sprinoakcap charge off.
Product: Money transfer, virtual currency, or money service

I believe this was in XXXX or early XXXX. I do have the record on my XXXX XXXX account which I am still affiliated with. I had Zelle the incorrect number around {$500.00} a little over XXXX and I never got the money back the person that I sent it to close their account and I lost {$500.00} as a XXXX XXXX XXXX XXXX XXXX worker that was A big loss I lost a week of my life.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Id Type : Drivers License ID Number : XXXX Address : XXXX XXXX L XXXX XXXX XXXX NY XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I don't recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters to all 3 credit bureaus to have inquiries removed, as I did not authorize/nor did I know of these inquiries. I received a letter back from XXXX stating that they inquiries were factual, while on XXXX they removed at least one, and I looked up experian and stated that they were factual as well, but none provided proof as I asked because I know there is no proof. The Inquiries that should be removed are as follows : XXXX : XXXX. XXXX XXXX XXXX XXXX, INQUIRY DATES XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 2. CXXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX INQUIRY DATE XXXX/XXXX/XXXX 4. XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX Experian : 1. XXXX XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 2. XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 3. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 4. XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 5. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 6. XXXX INQUIRY DATE XXXX/XXXX/XXXX XXXX : 1. XXXX XXXX, INQUIRY DATES XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 2. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 3. XXXX, INQUIRY DATE XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 4. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 5. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 6. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 7. XXXX XXXX INQUIRY DATE XXXX/XXXX/XXXX 8.  XXXX, INQUIRY DATE XXXX/XXXX/XXXX 9. XXXX, INQUIRY DATE XXXX/XXXX/XXXX Thank you for any help that you can provide.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Date : XX/XX/2024 To : Credit Bureaus Re : Dispute of Late Payments on Account # [ XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ] Dear Sir/Madam, I am writing to dispute the late payment ( s ) reported on my credit file under the account referenced above. After reviewing my credit report, I have reason to believe that the reporting of these late payments is inaccurate, incomplete, or unverifiable.

In accordance with Section 609 and Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter thoroughly. Under Section 609 ( a ) ( 1 )
( A ), I am entitled to receive a full disclosure of the information being reported and its sources. Furthermore, as per Section 611 ( a ), if this information can not be verified within the required timeframe, you are obligated to remove or correct it.

Additionally, under the Truth in Lending Act ( TILA ), creditors must properly disclose information, and I believe there may be discrepancies in the manner these payments were reported. I demand the immediate investigation of this matter and request documentation that substantiates these late payments. If you can not provide such documentation, the inaccurate information must be deleted from my credit file in accordance with the law. 

I expect this matter to be resolved within 30 days, as stipulated by the FCRA. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I recived an invoice for a family member who was seen by this office. I have never received any care whatsoever by this office and already asked for them to submit written proof to me which has never been done. This information stating I owe {$84.00} needs to removed/redacted from my report as its in violation of The XXXX XXXX and XXXX XXXX. 

Warmest regards, XXXX XXXX
Product: Credit card or prepaid card

Capital One claims that in using their virtual card on the internet, a one-time only payment can be used by the merchant, thus making card payments on the internet completely safe for the customer since no one could ever use that number again to debit the card. On XX/XX/XXXX I made a payment for a year-long trial subscription to XXXX XXXX XXXX XXXX a travel club which finds great airline fees. I used the Capital One virtual card since I did not want the merchant to charge me again. However, on XX/XX/XXXX a second charge was charged to my card for {$69.00} by XXXX XXXX XXXX, using the same " one-time virtual card '' as the previous year. I called Capital One immediately on the same morning and was told by XXXX XXXX? ), a supervisor, that it was their mistake -- the virtual one-time payment card should never be able to be used again -- and he had " fixed it '' so that it would not happen again. He refused, however, to refund the money, saying I would have to first dispute it with the merchant. Then if I failed there I would have to fill out several Capital One forms and send it to them. All of this had to happen in about the next two weeks. It is neither the merchant 's nor my fault and it is outrageous that it should be my problem and I should have to dispute with the merchant ( who did in fact deliver what he promised immediately after the payment ). To make matters worse, I have to be in XXXX in a week for a lengthy period -- and completely unable to deal with this. 
I have no documentation since everything on my end was done via the internet. However XXXX assured me he had documented everything in our call this morning. He had all the information, including even the virtual number I had used in the original purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries appear on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

According to section XXXX XXXX XXXX XXXX XXXX in amount of {$710.00} must removed from my credit report from XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account # 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/2024 CONTRACT CALLERS INC ACC : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX Subject : Dispute of Debt and Request for Deletion from Consumer Report Dear Sir/Madam, I am writing to dispute the validity of a debt that has recently appeared on my consumer report, as well as to assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my consumer report, I was surprised to find an entry regarding a debt that I have no knowledge of. I have not received any prior notification or communication regarding this alleged debt, nor did I have the opportunity to dispute it before it appeared on my consumer report. 

I want to emphasize that if you believe that proper notification was indeed provided to me, I kindly request that you furnish me with the CERTIFIED mail receipt that includes my signature, demonstrating that I received notification of this debt at least five days prior to its appearance on my consumer report. As a consumer, I am aware of my rights under the FDCPA and FCRA, which include the right to be notified of any debt collection activity and the right to dispute any inaccuracies on my consumer report. 

If you are unable to provide a certified copy of my signature confirming receipt of proper notification within the specified timeframe, I demand the immediate deletion of this collection/charged off account from my consumer report. Failure to comply with this request will prompt me to take further action to rectify this matter. 

I expect a prompt response to this dispute and request within 30 days, as stipulated by the FCRA. Please provide all correspondence in writing to the address listed above. Also I check the XXXX  and it states the the Debt Collector is not registered to collect alleged debt in my State. see attachment below. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX