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

My account with 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 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 that are reported 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 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

The TRANSUNION credit reporting agency is reporting inaccurate information on the listed account below ; Due to their errors in reporting I'm reporting this violations. The first being with the FDIC 's Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agency 's report. The information listed below is inaccurate. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The Credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$68000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This just proves that the 3 Credit Bureaus are lack proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove this account immediately.
Product: Vehicle loan or lease

My leased car was repossessed while I was making every payment. I sent them {$17000.00} to get the car back and they still wont help me get the car. They will sell it on XXXX. Please help me!! I Im running out of time.
Product: Credit reporting or other personal consumer reports

In XXXX, I encountered a challenging period in which my account with Navy Federal was marked by a 30-day late payment. However, it's important to note that this late payment was not reported to the credit bureaus during that year. Instead, it was brought to their attention only in XXXX, while my record for XXXX remained unblemished. As we have now reached a full seven years since that 30-day late payment was first reported, I am formally requesting that Navy Federal revisit my account and consider the possibility of deleting this credit line. Removing this mark would not only reflect the significant amount of time that has elapsed since that incident but also acknowledge my steadfast commitment to maintaining a responsible and timely payment history in the years following that event.
Product: Credit reporting

After filling application for XXXX, XXXX XXXX XXXX XXXX on XXXX, a Renter 's Report showed XXXX judgments against XXXX XXXX, who is not me. Both by XXXX XXXX XXXX, XXXX XXXX, CO. The XXXX filed XXXX case # XXXX and the XXXX filed XXXX case # XXXX both against the plaintiff, XXXX XXXX. Records will show I was living in my mortgaged home, XXXX XXXX XXXX XXXX XXXX, NV XXXX from XXXX to present and working at XXXX XXXX in XXXX XXXX from XXXX to present. I keep all of my pay check stubs including all from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. I am NOT the plaintiff XXXX XXXX, I have never even gone by that name. 
Please remove this inaccurate and erroneous information from this and other credit reports. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports show inaccurate information. One says this installment loan was late 2-3 times, and others state it was paid as agreed. I want this account deleted off my credit report immediately.

15 U.S. Code 1681i I have contacted this company and asked for an investigation. Nothing has been done.

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.
Product: Student loan

My student loan that was taken out with XXXX was being paid by my mother. In XXXXX  of XXXX my mother was diagnosed with XXXX XXXX. With that diagnosis, she underwent a XXXX XXXX and is now during XXXX. In the midst of all the heart ache and worry about my mother, I was not thinking about my student loan with XXXX not being paid. When I called the company to explain to them what happened, not only did I not even get any sympathy from the representative, but there was absolutely no consideration made due to the circumstances stated. I have paid little amounts monthly due to not being able to pay the full amount. I have called numerous times to attempt to lower these payments and has been unsuccessful.
Product: Credit reporting or other personal consumer reports

I filed a complaint regarding inaccuracies listed on my credit report and they were reviewed and the credit bureaus listed additional file that aren't mine. Improper use of my credit and violation of the privacy act of 1949.
Product: Credit card or prepaid card

Account was opened for almost 1 year. XX/XX/2022 would have been a year. 

I missed my XXXX payment because of XXXX. 

I paid on this account regularly throughout the year, sometimes paying {$200.00} per month to get the balance down. 

On XX/XX/2022, XXXX XXXX closed my account because they ran my credit report ON XX/XX/2022 and found unfavorable actions in my credit report. This is unfair because account was already opened and Ive been a customer for almost one year and making regular payments. 

I contacted the rep at lowes credit Card rep on XX/XX/XXXX, she told me thats why they closed my account on XX/XX/XXXX because they ran my credit report on XX/XX/XXXX and did not like what they had seen.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or XXXX15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit XXXX15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed I have many instances of Misinformation reported about me which is fraudulent. I have no knowledge of how the misinformation of these fraudulent inquires came to be I have noticed I have many instances of Misinformation reported about me which is fraudulent. I have no knowledge of how the misinformation of these fraudulent Inquires and Ban accounts came to be. I have not authorized misuse of my personal or any information have never received any benefits of the product, or services. I filed a police report and I filed a complaint with the Federal Trade Commission about this matter.
Product: Credit reporting, credit repair services, 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. 

XXXX. XXXX XXXX ACCT # XXXX XXXX. US DEPT OF EDXXXX ACCT XXXX XXXX ( 6 ACCOUNTS ) ALSO XXXX IS REPORTING THE ABOVE STUDENT LOANS AS A " OPEN, COLLECTION '' BUT ON XXXX ITS SHOWING " EXCEPTIONAL PAYMENT HISTORY NOT AS A COLLECTION '' HOW ARE BOTH BUREAUS REPORTING THE SAME ACCOUNT DIFFERENTLY? ALL STUDENT LOANS NEED TO BE DELETED!!!! ( PLEASE SEE ATTACHED CREDIT REPORTS ) XXXX. XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX  ACCT # 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.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Servicer Carrington Mortgage constantly gives Borrower a different company name claiming that they own my mortgage debt. On XX/XX/2023, Carrington claimed that XXXXXXXX XXXX  and Carrington are not the owner of my mortgage debt- it is XXXX. Carrington has been changing their claims of what company owns my mortgage debt to mislead and confuse me in order to force me to turn my property over to Carrington.
Product: Credit reporting or other personal consumer reports

Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

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

I sent a request for a validation of the debt and I have not received any response. The only reason that I knew of this debt was by looking at my credit report because I have not received any notice. 

I have also disputed the item on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these inquires be removed : XXXX XXXXXXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 company name XXXX XXXX  runs credit XX/XX/2021 company name XXXX XXXX. XXXX. Run credit too same day XX/XX/2021 company name Credco company that run credit to lender I cant believe runs 3 credit reports in one day which created 3 hard inquiries I will need to be remove from my credit report thanks
Product: Credit reporting

I have received XXXX credit reports from Equifax during the last year. Each report has shown a different credit score give n to me and to the bank. One score given to me from Equifax on XX/XX/XXXX was XXXX. Equifax gave XXXX a score of XXXX on XX/XX/XXXX. A discrepancy of XXXX points negative. 
On XX/XX/XXXX Equifax gave me a score of XXXX and a much low er score to XXXX. This has happened many times over the y years. Is there a double standard at play with these credit agencies? I have been refused several loans over the years, could this have been the reason? How do I proceed?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 
I entered a consumer credit transaction with the following companies : XXXX XXXX and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA.

I pulled my credit report and disputed items on my report to XXXX, EQUIFAX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 
In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days.
Product: Debt collection

XX/XX/year> I sent a debt validation letter to IC Systems through the USPS, without a tracking number. I never received a response. XX/XX/year> I sent another debt validation letter to IC systems with a tracking number this time, still no response. Sent debt validation to all three bureaus and all three bureaus verified it as accurate. I then sent a method of verification request to all three bureaus. XXXX was unable to produce their method of verification so they deleted the account from my consumer report. XXXX and XXXX verified it as accurate and sent me a new report, NO PROOF THAT THIS ACCOUNT BELONGS TO NE. And then directed me to contact the company for more information. Im getting the run around and im paying for it with this invalid information on my consumer report. It needs to be deleted.
Product: Credit reporting

To whom it may concern, I mailed the Multiple Inquiry Removal Letter on    XXXX   XXXX   XXXX     by certified mail in order to dispute the information, in regards to  XXXX  hard inquires that were being reported on my credit report. They received the received the letter on   XXXX   XXXX   XXXX     and completed the request on   XXXX   XXXX   XXXX    . The request that I submitted included the  XXXX  hard inquires were not factual and I received the same response of a general letter from Equifax for ALL inquiries stating that inquiries contain information about companies that have requested and/or viewed your credit report information typically within the last  two years. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ), it states that any information can be disputed and Must be investigated and if you do not investigate And respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my   certified letter, clearly is a sign that no investigation was taken to look into my dispute. I am in the process of trying to purchase a home and the hard inquiries on my credit report will have a bearing in this endeavor. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that do not belong to me. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting or other personal consumer reports

My information was involved in a data breach and I received a copy of my credit report and noticed accounts that I did not authorize due to the data breach
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( XXXX XXXX XXXXXXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX  credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 


ACCOUNTS : XXXX NUMBER XXXX XXXX XXXX XXXX XXXX, NUMBER Account : XXXX XXXX XXXX  : NUMBER Account : XXXX XXXX XXXX  : NUMBER Account : XXXX XXXX XXXX : NUMBER Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report recently and found a few fraudulent accounts. I have done everything suggested and they still haven't came off. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX .... 
Account # XXXX .... 
Account # XXXX .... 
Account # XXXX ...., violated my rights. 

15 USC 1681 Section 602 A 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 accounts without my written instruction.