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

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( 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. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

collection was supposed to be removed from all XXXX credit reporting agencys upon payment but is still on XXXX
Product: Credit reporting

I am having problems getting hired and have applied at several companies including XXXX XXXX XXXX Headquarters, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and more and no one will hire me I am XXXX years old and worked full time 32.5 years and was let go XXXX 2014 because of slow productivity. I lived off my retirement and then went on unemployment while I pursued employment. My question is if my credit is affecting my getting work I ca n't live off my XXXX year old father until Social Security and I cant go back on unemployment until XXXX I have a house, dependents and bills how do I pay? 
Please email me if you could let me know XXXXXXXXXXXX Thank you for anything I am desperate Here are a few responses I received You are scheduled to interview with XXXX tomorrow, Thursday, XXXX XXXX at XXXX No Response yet, We have received your application for the position of XXXX XXXX XXXX Sales Team Member-XXXX. Unfortunately, we are unable to consider your application, Thank you for taking the time to speak with XXXX XXXX XXXX regarding the Mail Services opportunity at XXXX. At this time, we are moving forward with other candidates who are more closely aligned with our client 's specifications for this position., We enjoyed meeting you and sharing more information about XXXX XXXX and its businesses. Although your background and qualifications are impressive, we wanted to let you know that XXXX XXXX has selected another candidate whose qualifications and credentials more closely matched, We appreciate you taking the time to submit your qualifications. After carefully considering our finalists, we have selected another candidate. We invite you to visit our website at XXXX for other opportunities. XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Utilizing Coinbase as an exchange for cryptocurrency, I was hacked out of more than {$40000.00} USD on two separate occasions and was hacked without losing any cryptocurrencies once prior. In all three incidents, there was an automatic/unauthorized sending of all crypto currencies in my account immediately upon logging in. During the first hacking incident there were crypto conversions that were made without me making them. Further details and timelines are as follows : The following transactions occurred on XX/XX/XXXX without my consent : [ e-mail at XXXX ] You have successfully sent XXXX XXXX to XXXX. You can view transaction details in your Coinbase account. To facilitate this transaction, you paid XXXX XXXX ( {$0.00} USD ) in network fees. 
[ e-mail at XXXX ] You have successfully sent XXXX ETH to XXXX. You can view transaction details in your Coinbase account. To facilitate this transaction, you paid XXXX XXXX  ( {$14.00} USD ) in network fees. 
Unauthorized Bitcoin address on XXXX XX/XX/XXXX for XXXX XXXX : XXXX The only way to receive any kind of help is through Coinbase E-mail system. There were many times that I replied to their e-mail only to get a " Non-Deliverable '' notification back. It took several other tickets for them to combine ticket numbers before I was successful in replying to their e-mail support. Needless to say, their support is almost non-existent. Their response to these malicious hacking attacks are that I'm responsible for my own security of my account, and that there is no breach, fault, or obligation on their part to safeguard customers '' accounts. I have done everything they suggested, including reaching out to my phone carrier for any security breaches to my phone ( no breaches have been made in that area ). I have not been the only that has experienced the litany of frustration dealing with Coinbase, yet they continue to operate as a business rendering no restitution to many of their customers. 

The last bit of salt in the wound is that there is approximately {$130.00} left in my account in a cryptocurrency that I can't recover because the amount is too small to transfer. I would have to add more money to my account, and then transfer all of it out at the larger acceptable amount. There is an obvious problem with this because the funds would most certainly be hacked and stolen.
Product: Credit card or prepaid card

There wasn't a category to specifically identify my issue ; however, this category is the closest. 

On XX/XX/2019, Walmart ( XXXX XXXX / XXXX ) pulled an unauthorized amount of {$300.00} from my checking account. However, the unathorized amount, categorized as a payment, on the transaction details, hasn't been posted to my account. 

My regularly scheduled monthly automatic payments have been processed on the XXXX or XXXX of the month for several years. My regularly scheduled automatic payment was processed on XX/XX/2019. XXXX personnel aren't able to locate the payment even though I've provided them with the transaction details. 

Walmart is in the process of moving my credit card account from XXXX to Capital One. It appears that someone within the establishment ( XXXX XXXX or XXXX ) has fraudulently taken advantage of my automatic payment information. Now, XXXX XXXX is refusing to acknowledge the issue, although Ive provided them with the transaction details. 

Per the transaction details, the " Sending Bank '' is XXXX XXXX. When I called the " Bank Phone Number '' that included in the transaction details, I was transferred to XXXX. Although I've provided the transaction details to XXXX 3 times, they've sent me another message asking for the same information.
Product: Credit reporting or other personal consumer reports

You are reporting the wrong balance for account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The original creditor provided verification via XXXX, and I have attached their correspondence to this complaint. You are also reporting the incorrect payment history for this account. How can XXXX bureau report a status of 'OK ' while another report it as 'CO '. This is a violation, and this account is to be removed from my credit report immediately. I do not owe this collection anything, and the balance they are reporting does not match that of the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX XXXX XXXX : XXXX : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XX/XX/2022 US Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX ] a natural person, consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). 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.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit.

I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably. 






Kind regards, XXXX XXXX Cc : CFPB Cc : FTC Cc : ATTORNEY GENERAL
Product: Credit reporting or other personal consumer reports

Pursuant to the FCRA ( Fair Credit Reporting Act ), it is the duty of TRANSUNION to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 2 inaccurate late payments for the XXXX XXXX XXXX XXXX  account beginning in XXXX. This includes a 30 DAY late payment posted in XX/XX/XXXX ( XXXX XXXX XXXX XXXX ), and a 30 DAY late payment posted in XX/XX/XXXX ( XXXX XXXX XXXX XXXX ). This is incorrect and is supposed to be reported as PAID AS AGREED or have a rating of OK. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to TRANSUNION via written letters to remove this inaccurate and false reporting of late payments on XXXX XXXX XXXX ( Certified Mail # XXXX ), XXXX XX/XX/XXXX ( Certified Mail # XXXX ), as well as a previous CFPB complaint on XXXX XX/XX/XXXX ( # XXXX ), however they have continued to ignore my requests. While, XXXX has CORRECTLY reported this account ( XXXX XXXX XXXX Attached ) on my consumer report, TRANSUNION has yet to update and remove these late payments from my consumer report ( XXXX XXXX XXXX XXXX XXXX XXXX Attached ). XXXX has clearly verified the accuracy of my credit report while TRANSUNION only claims it has yet, there are still false and negative inaccuracies in my report. It is because of this inaccuracy that is causing my wife and myself an enormous amount of mental stress, anxiety, and pain. I fear that if these inaccurate late payments arent removed soon, that we will be homeless due to these negative and false reporting methods from TRANSUNION.
Product: Checking or savings account

Over 60 unauthorized debit transactions were taken out of my account between 3900 and 7000 was taken out of account causing my account to be closed and having a negative balance this was done last year the name of the bank is Wells Fargo
Product: Money transfer, virtual currency, or money service

I reported a scam of a wire transfer of {$16000.00} from XX/XX/XXXX and XX/XX/XXXX to my bank Chase and XXXX and they set up a claim. I received a notification that my claim was denied and I would not be refunded these funds. When calling and inquiring how to get this money they said the claim was closed since apparently I authorized this transaction and there was no way to get my money back. This however is not true and I have been scammed out of the {$16000.00} and lost this money.
Product: Debt collection

I received a collection letter from a law firm representing Discover Bank. They claim I owe {$XXXX}. They demanded that I pay on the debt. The letter was addressed to me by a former name that changed XXXX  years ago, not my current name. I was XXXX in XXXX of 2000. I have a credit card with Discover, but in my current name. I believe my identity was stolen and used to make charges on this account that I know nothing of. Discover had no correspondence with me prior to this letter. The letter did n't even let me know an account number. The law firm is now taking me to court to make me pay these fraudulent charges.
Product: Debt collection

I do not owe any debts but started getting repeated phone calls from this company multiple times throughout the day from different numbers. No voicemails are ever left. 
The numbers are : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the below accounts has violated my rights : XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Partial Acct # XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX  XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : 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

IRS held funds from consumers tax return in 2018 and used the funds to repay XXXX  loan Dept to US Dept of Education in the full amount of over {$5000.00}. Information is still showing on all credit reporting sites. 


Please delete adverse information and accounts from consumers reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please assist me in getting the following items removed from my credit file. I have sent several disputes without any response. It has been over 45 days and no response. 

The following items do not belong to me ( Fraud Account ) - XXXX XXXX XXXX XXXX ( XXXX ) - Bal : {$100.00} Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a have inaccurate accounts on my credit report and I need it remove, by law all the accounts must be accurate with the same info. XXXX, Transunion removed/changed some accounts this cause inaccurate info on my credit report, what I need remove. 

I need all the accounts that I provided in the ( ATTACH DOCUMENT TAB ) REMOVED
Product: Credit reporting or other personal consumer reports

I got a response from XXXX and Equifax one stating information I provided has been updated and the other saying no credit report file in data base so Im totally confused to why they wont delete these dinosaur accounts thats affecting my credit score and holding me back from progressing in life. And I still havent heard anything from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last year I've been disputing these accounts below with the transunion and they will not investigate it. Even when I try to dispute they say that they can not investigate it. Ive been a victim of identity theft on several occasions. This is becoming problematic. I feel like people are able to run my credit without my permission even though its a fraud alert and even though I submitted a police report. I really wish this system was fair for us all no matter our gender, color, or financial status. Im also including a copy of the police report that was filed when all this first started. 

XXXX XXXX  XX/XX/XXXX XXXX Collection was re entered onto my credit that is an account from XXXX which is well past the 7 years. They was allowed to reared this account. 
XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX   XX/XX/XXXX Inquiry XXXX  XX/XX/XXXX Inquiry XXXX   XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX   XX/XX/XXXX Inquiry XXXX  XX/XX/XXXX Inquiry XXXXXXXX XXXX   XX/XX/XXXX Inquiry XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX  XX/XX/XXXX Inquiry Bankruptcy XXXX on XX/XX/XXXX Bankruptcy XXXX on XX/XX/XXXX Bankruptcy XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Correction of Incorrect Name and Address Information in My Credit Report Dear Sir or Madam, I am writing to request the immediate correction of inaccurate information in my credit report related to my name and address. 

My correct and only name is : XXXX XXXX XXXX XXXX. 
My correct and only address is : XXXX, Texas XXXX. 
Upon reviewing my credit report, I identified errors related to my personal information that need to be corrected. Below, I have outlined all inaccuracies : [ List the errors exactly as they appear in your credit report ] To facilitate the correction, I have attached documentation verifying my identity and accurate information, including : A copy of a government-issued photo ID ( e.g., drivers license or passport ) A copy of a utility bill or bank statement showing my current address I respectfully request that you : Correct my name to reflect XXXX XXXX XXXX XXXX . 
Update my address to reflect XXXX, Texas XXXX. 
Remove all incorrect or outdated entries related to my name and address from my credit report. 
Please confirm in writing once the corrections have been made and provide me with a copy of my updated credit report. 

Should you need additional information or documentation, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt assistance in resolving this matter. 

Sincerely, [ Signature, if on paper ] XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided XXXX with the FTC report for identity theft. I spoke to the gentleman who filed my dispute and he stated that the inquiries had to stay on the report for 2 years even though they were not made by me and if i wanted to dispute them i needed to contact the company who requested it. I explained to him that not all of the inquiries on my report contained contact info for the company that requested my information so i could not contact them, At that time he said he would file the dispute for me, im not sure how he couldn't and then all of a sudden was able to. I got one confirmation number for the dispute that was supposed to contain everything referenced on the call, The only thing disputed by him was some of the incorrect addresses, and incorrect phone number, and a soical security number that was not mine, He made no attempt to contact the companies that requested my information and did not provide me with the means to get it resolved myself, so as it stands i have no way of getting the info disputed even though it is fraudulent, Transunion was also notified of the Identity theft and to this day still does not have a fraud warning placed on my account, XXXX put the warning out over a month ago, XXXX  applied one, but as of XX/XX/13 Transunion is still allowing access to my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I noticed a drastic decline in my credit score. Upon thoroughly reviewing my XXXX report, I noticed an account with XXXX XXXX reporting completely inaccurate balance information. 

The balance on the loan with XXXX XXXX is at {$0.00}. However, XXXX is currently reporting the balance as {$38000.00}. 

This reporting error has caused major damages to my fico score ( 40 point drop ) due to the direct effect to my utilization. 

I sent a letter in XX/XX/XXXXrequesting this error be updated upon receiving the notice of this error. 

That letter was certified and is recorded as being received by XX/XX/. 

As of today, XX/XX/, this error is still being reporting as it previously was on on my profile ... in error.
Product: Vehicle loan or lease

In XXXX I purchased a XXXX XXXX from XXXX XXXX and Financed by Wells Fargo Bank. I was studying for my XXXX at the time, so my Credit was very poor at the time. 
I was surprised when XXXX XXXX XXXX, the owner of XXXX XXXX called me within a couple hours of filling out an application called me to informed me that my loan was approved by Wells Fargo Bank... 

Within a couple of days of driving the Car it broke down. So I called the dealership and he said that since Wells Fargo made me purchase their insurance in order to protect them, simply bring back the vehicle and their will be no charge. 

To make this as succint as possible, what transpired after was a shocker. When I went back for the car, the dealership was empty, the owner had left the country. Sold my car to a Doctor who paid cash for the car that had gotten a loan for... 
I called Wells Fargo 's loan officer immediately who was unconcerned. only to later find out that were in cohut with XXXX XXXX. He simply said that he expect me to continue making my payments on time. That situation caused me to file for XXXX. 
Here is the problem! The Bank later located my car, repossed it, then auctioned it AND I PROMISE YOU UNTIL TODAY THE VEHICLE IS STILL REGISTERED UNDER MY NAME. 
I HAVE BEEN CONTACTING THEM SINCE XXXX ASKING TO AT LEAST REMOVE MY NAME, THEIR RESPONSE? THEY CANT HELP ME. IT IS MY RESPOSIBILITY. WHEN ASKED WHO THE PUCHASER IS AND WHERE IS THE CAR NOW? THE LAST FEW TIMES THEY RUDLY HANG UP ON ME. PLEASE HELP! I NEED YOU LIKE A STAR NEEDS FAME!!!
Product: Credit reporting or other personal consumer reports

I recently ordered copies of my credit reports, and discovered numerous accounts that do not belong to me, which means that i am not the one who opened these accounts. i am a victim of identity theft.