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

I have two credit card accounts in which were accessed fraudulently between XXXX. The first being XXXX XXXX XXXX, which reported a late payment in XX/XX/XXXX, a negative item on my credit report due to fraudulent charges being made without my knowledge, authorization, or involvement. The second account is XXXX XXXX XXXX which reported a late payment in XX/XX/XXXX. The Late Payments appearing on my credit report are the result of Fraud, and I had NO participation these charges were made against my credit card account WITHOUT my knowledge, authorization, or participation of ANY kind. They are the result of IDENTITY THEFT. I have submitted a CFPB complaint, along with my FTC identity theft report, and valid identification and I am demanding my rights as afforded to me by the FAIR CREDIT REPORTING ACT.. I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( XXXX XXXX  ) I DEMAND that this FRAUDULENT use of my credit cards, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to these credit card account be BLOCKED within 4 business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. The Account number for the XXXX XXXX XXXX is. I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. XXXX XXXX XXXX ) I DEMAND that this FRAUDULENT use of my credit cards, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this credit card account be BLOCKED within 4 business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. ( REQUEST FOR BLOCK AND REMOVAL -- -> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LATE PAYMENT, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCT # : XXXX -- - LATE PAYMENT, XX/XX/XXXX. ) If my rights are ignored and not granted I will be inclined to pursue litigation. Thank you.
Product: Debt collection

I received an email on XX/XX/year> concerning a past credit card debt of XXXX. The email said I could pay XXXX to settle an close the account. The next day called them and they accepted to settle and close the account for {$940.00}. The confirmation number for the settlement is XXXX. They also said they would send me a receipt by email that I would have to sign and send back immediately to expedite the closing of the account to report to the credit bureaus asap. I received the receipt by email on XX/XX/year>, signed it, and sent it back within XXXX minutes. I just woke up the an alert on my email from XXXX. It says I have a remaining balance of XXXX on that same debt that was supposed to settled and closed. This is misleading the consumer and I believe fraudulent. Can someone please help
Product: Vehicle loan or lease

Sent in certified mail on XX/XX/23 I never recieved a return slip Credit Acceptance also disregarded Tila, stating there are are not liable of what dealership has done
Product: Credit card

paid my credit card off just 2 days after they required a payment made a XXXX payment XX/XX/XXXX and towards my balance and on XX/XX/XXXX paid the balance XXXX off at least 2 weeks before due date and almost 4 weeks later they want to charge me interest for having a XXXX balance i was waiting for confirmation that my account was closed before deleting the app on my phone they did this crap on my last credit card before this one I am having a problem of being charged ona XXXX balance carry over before this current billing cycle tired of being scammed by capital one
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is close/charged off account and is still reporting a increasing balance and passed due
Product: Debt collection

I sent a USPS certified mail/return receipt letter to Financial Adjustment Bureau XXXX XXXX XXXX, XXXX, IA XXXX, requesting a debt validation letter and to discuss the issue of the interest they were applying to this medical debt. 

Their response to this validation request is enclosed. I am not sure if their letter is sufficient enough to be construed as a debt validation letter. They included a convoluted statement from XXXX XXXX XXXX, but nothing that states XXXX XXXX XXXX acquired the services of Financial Adjustment Bureau to collect the debt.

They stated " Under Iowa law, if interest is not specified in writing, it is allowed at a 5 % annual percentage rate at commences six months from date of charge. '' I went online under Iowa Interest rates laws and saw this, but it did not indicate this applies to medical debts. One website states " Whether a loan is to buy a car, a house, or just to pay the rent or other household expenses, '' but medical debts are not " loans. '' Also, in their letter they did not state what part of Iowa law they are referring to, such as chapter and sections, or any proof under Iowa law that this applies to collecting on old medical debt.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX 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 there are late payment remarks 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 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: Checking or savings account

Chase closed my bank accounts in XX/XX/2019. The problem is that all of my online account access has been cut off. I have credit cards and a car lease that I need to manage online and chase has blocked ALL online accounts, not just the bank accounts. This is a HUGE problem now because I can not access my accounts! I dont care about the closed bank accounts, I just need to access my credit cards and car lease accounts online! When I called chase on XX/XX/XXXX, all I was told was account access is restricted and that they could do absolutely nothing to help me access my various other accounts online. When I asked what I am supposed to do now to manage those accounts, the response was sorry I can not give you that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove inaccurate information from my credit reports, there are inquiries on my report that do not belong to me in regards to inquiries for automobile loans. 

The following inquiries that are inaccurate on my credit reports : XXXX- XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXXXXXX XXXX-Equifax-XXXX XXXX 2022 XXXX  XXXX XXXX, 2022 XXXX XXXXXXXXXXXX XXXX 2022  XXXX XXXXEquifax-XXXX XXXX 2022 XXXX XXXX XXXX XXXX 2022 XXXX XXXX, XXXXEquifax-XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX  XXXX XXXX, 2022 Factual Data-Equifax-XXXX XXXX XXXX 2022 Equifax MXXXX XXXXEquifax-XXXX  XXXX XXXX 2022 XXXX XXXX Llc-Equifax-XXXX XXXX 2022 XXXX, XXXXEquifax-XXXX XXXX 2022 XXXX XXXX  : XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have resolved this account, please have XXXX XXXX remove this negative item from my credit report XXXX Thank you XXXX Equifax XXXX XXXX XXXX XXXX XXXX they claim that I have made late payments before, but that is inaccurate, I have requested them to correct this several times and they keep saying they will, but to date they are still showing my late payments on my credit reports.
Product: Credit card or prepaid card

XX/XX/2019 XXXX Purchase {$570.00} chosen ( 12 ) month interest free. 
XX/XX/2019 XXXX Refund {$120.00} credit to account for missing parts. 
XX/XX/2019 FINANCE CHARGE {$12.00} Disputed fees ( 12 ) month interest free. 
XX/XX/2019 FINANCE CHARGE {$10.00} Disputed fees ( 12 ) month interest free. 
XX/XX/2019 FINANCE CHARGE {$10.00} Disputed fees ( 12 ) month interest free. 
XX/XX/2019 FINANCE CHARGE {$9.00} Disputed fees ( 12 ) month interest free. 

XX/XX/2019 Opened a dispute with Comenity Bank, issuer XXXX XXXX. 

Comenity Bank alleges, that option for ( 12 ) month interest free would have been available at checkout.

Customer, alleges that option was chosen as only two options we're presented at checkout. Option : ( 1 ) 3 % cash back or Option : ( 2 ) ( 12 ) month interest free. Option : ( 2 ) chosen.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against [ Name of Credit Bureau or Creditor ] for failing to respond within the required 30-day timeframe as mandated by the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). 

On XX/XX/XXXX, I submitted a formal dispute regarding XXXX XXXX  Acc # XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Acc # XXXX Date opened XX/XX/XXXX Balance {$250.00}, XXXX XXXX XXXX Acc # XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXX XXXX Acc # XXXX Date Opened XX/XX/XXXX, balance {$2400.00} XXXX XXXX Acc # XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Acc # XXXX Date Opened XX/XX/XXXX Balance {$11000.00}, which contains inaccurate and unverifiable information on my credit report. According to the FCRA, the credit reporting agency and/or the furnisher is required to complete an investigation and respond within 30 days. However, as of today, I have received no response. 

Since the required timeframe has elapsed without proper verification, I demand the immediate deletion of the disputed account ( s ) from my credit report, as failure to verify within the given timeframe means the information must be removed per FCRA 611 ( a ) ( 5 ) ( A ).
Product: Vehicle loan or lease

I recently looked at my credit reports and noticed that Ally Financial XXXX .... reported negative marks 30,60 days late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve
Product: Credit reporting

I AM FILING THIS COMPLAINT BECAUSE THE CREDIT BUREAU IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THESE ACCOUNT AND INQUIRIES UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. THE CREDIT BUREAU FAILED TO PROVIDE ME WITH A PROPER INVESTIGATION AS WELL AS PROVIDE ME PHYSICAL PROOF THAT THE ACCOUNT AND INQUIRIES DISPUTED WAS MY ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$14000.00}.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

I continue to have issues with resolving a paid and settled account with Santander Consumer USA. I co-signed for my daughter in XXXX, XXXX. The car was financed at an astromical amount and she could not afford the monthly payments and voluntarily surrendered the car back to the XXXX dealership, resulting in a " Voluntary Reposession ''. As a result, the negative reporting was placed on my and my daughter 's credit reports. The account was bought by a Third Party Collection agency named : XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX, I contacted the collection agency and asked for a settlement. They agreed and I went to XXXX XXXX XXXX XXXX ( formerly XXXX XXXX XXXX XXXX, as shown on check made payable to the collection agency ), and I borrowed {$2000.00} to send in the settlement payment. The bank issued a certified check made payable to XXXX XXXX XXXX XXXX ( who collected debt on behalf of creditor, Santander ). I received a copy of the cashier 's check for my records. I then sent a copy of the settlement agreement and check to XXXX  to dispute the negative reporting and have the debt removed/updated on my credit report. This was in XX/XX/XXXX. I received a report from XXXX  dated XX/XX/XXXX, which showed the debt " Paid. Closed. {$9400.00} written off. '' I saved a copy for my records and will provide as supporting documentation. The debt was updated on my credit report in XXXX. 

The reporting for Santander has now returned again on my credit report and shows that I owe a balance and shows it as late payments. However, nearly 4 years ago, it was already updated and removed from my credit. I called XXXX XXXX, XXXX and they indicated the debt was paid and that they were not reporting this debt, but Santander was. I called Santander 's office and they indicated they are not reporting this debt on my credit report as it was " settled ''. I then tried to dispute it online from my credit reporting site, and I was unable to dispute. 

This is why I am now reaching out to CFPB because I have made several attempts and this is ruining my credit status and has been reported negatively on my credit as well as my daughter 's credit, and this has been paid and settled in XXXX. 

I need your help in getting the proper reporting and removing a debt that was opened in XXXX, XXXX, which is greater than 7 years ago and was settled/paid in XXXX and clearly shows such on the XXXX   documents received. This should not be on my credit report as it is old, but more importantly it has been paid and settled. 

Today when I viewed my credit reports, it shows tht Santander reported the car as Voluntarily Reposessed and a balance owed as of XXXX, XXXX. This is totally incorrect and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report XXXX XXXX University for a debt that was settled for less than amount owed. I was informed through the settlement that the account would no longer be reported, however, Experian continues to add it in my report. XXXX XXXX is not reporting this on a monthly basis. The account is settled and should be removed from my credit report.
Product: Student loan

My employer requires lender signature for VA Form 10-0394A. 

Called Launch Servicing in early XX/XX/XXXX to inquire process for obtaining their signature on this form. 

Launch Serving rep advised to use their messaging portal. 

Sent message on XX/XX/XXXX with form attached as advised. Launch Servicing website advises they will follow up in 2-3 days. Received no response from Launch Servicing. 

On XX/XX/XXXXXXXX I sent additional message requesting update on status of request. Again, received no response from Launch Servicing. 

On XX/XX/XXXX, I sent an additional request noting that this was my 3rd request. 

This is a time sensitive request. I'm applying for Education Debt Reduction Program ( EDRP ). EDRP application must be completed in a certain timeframe or else I become disqualified for program that will provide substantial finacial relief of debt burden.
Product: Credit card or prepaid card

I have some different card, at the end all of each account are together with a bank name SYNCHRON. I lost hours of job because of my payee put her private doctor office with a clinic. With this mix, I lost 5 hours weekly of my job, in the end, my salary is less. I contact a company name XXXX XXXX XXXX   to help me to pay my debt. I started the program 2 months ago. They told me to enter to the internet pages of my different credit card and gave its number to contact them, I did, but this bank called me ALL the days several times including my job and weekends at XXXX XXXX. I called my represent in XXXX XXXX and told me that I need to give its number and request to call them, I did but they continue harassing me. 
I need help with this.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. there is some inaccurate information reporting XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Delete this account.

9. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

Did a search for help desk number for PayPal. The search led to a site with XXXX number. The person posing as a help center for PayPal, asked questions that seemed legitimate. Then tried to get me to pay fee for a credit card that was supposedly taken out through my PayPal account. The following was a text that they sent me : Thank you for calling Paypal Support. We really appreciate your time & patience with us. XXXX XXXX XXXX  is XXXX. 
Call back XXXX. 

XXXX XXXX, XXXX XXXX XXXX Thank you, Paypal Support. 

XXXX additional number they used. 

They hacked my PayPal account and tried to get funds out.