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 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 in those account 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 card or prepaid card

Upon reviewing my most recent statement posting my birthday, XX/XX/XXXX I noticed I was charged interest for Cash Advances {$0.00}. Remembering the Credit Card Accountability Responsibility and Disclosure Act of 2009 this can not be happening. I looked back at 5 previous statements and have made over {$500.00} in payments while my credit line was less... therefore in compliance with the Card Act, there should be no more interest on cash advances, yet they have been charging me monthly for it.. 

The CFPB and the Office of the Comptroller of the Currency needs to launch an investigation into this because I am certain millions of consumers are being taken advantage of by Capital One due to this discrepancy.
Product: Checking or savings account

They close my cash app account I could get ahold of anyone because they didnt have customer service
Product: Credit reporting, credit repair services, or other personal consumer reports

BETWEEN XXXX XXXX,2017 THRU XXXX XXXX,2017 I HAVE OVER XXXX UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT I SENT LETTERS TO ALL .AND ASK TO BE REMOVED FROM MY CREDIT FILE. IF YOU SEE MY CREDIT FILE YOU WILL SEE I HAVE HAD FRAUD ACTIVITY BEFORE ON MY ACCOUNT WHERE I PROVIDED A POLICE REPORT. PLEASE REMOVE FROM MY CREDIT FILE THESE UNAUTHORIZE INQUIRES
Product: Debt collection

I was called on a debt that was owed back in XX/XX/XXXX on XX/XX/XXXX for XXXX dollars. They said they mailed one notice out to a address that I havent live at since XX/XX/XXXX. I kindly asked them to mail another notice out so I can pay it. They refused and said they dont have too. I said Id pay it over the phone. Then they refused to use my debit card and said I can only pay with a checking account. They finally took my debit card after Arguing with them. They wouldnt even mail me a proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, requested inquires to be removed from your files : To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding inaccuracies in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by over 30 companies. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XXXX  XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am so very angry at XXXX- they are reporting invalid credit inquiries XXXX of them on XX/XX/year> from XXXX XXXX and XXXX. These are not from me and in fact from a business XXXX XXXX the XXXX XXXX and should NOT BE LISTED ON MY PERSONAL CREDIT REPORT FOR A BUSINESS. I have called XXXX and they refuse to understand or acknowledge or fix this. Therefore I filed the attached fraud report with the FTC! It is FTC report # XXXX. These XXXX companies should be fined for allowing invalid records on personal credit reports. I will be suing them for {$1000.00} per inquiry along with the other agencies Transunion and XXXX if these aren't removed by XX/XX/year> as this impacts my existing credit and has already impacted my future to complete my school.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting inaccurate information on my credit report and refuses to verify these accounts with the alleged creditors. I mailed TransUnion a letter on XX/XX/2020, disputing an account by the name of XXXX XXXX XXXX on my credit file. TransUnion received this letter on XX/XX/2020 and hasnt responded to the letter or completed and investigation within 30 days, which is required by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). The letter was sent to TransUnion via certified mail with the United States Postal Service and requires a signature for release, I have attached a screenshot of the tracking information from USPS dated XX/XX/2020 showing that this letter was received on XX/XX/2020. I have also attached the letter dated XX/XX/2020. It is XX/XX/2020 and I still havent received anything pertaining to an investigation of this account on my credit file. I am requesting that this inaccurate information be deleted from my credit file immediately. TransUnion has violated multiple federal laws and continue to report negative information on my file, I believe theyre in violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Experian on report # XXXX violated 15 USC 1681eb and the FCRA by not deleting accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE BUREAUS
Product: Debt collection

I received a letter from your company ( MEAD & ASSOCIATES INC ) stating I owe a debt of {$5100.00}. I have never done any business with Mead & Associates INC. This account has already been in dispute with another company with the same claim and was never validated nor verified to be accurate. Please delete this account MEAD & ASSOCIATES INC # XXXX. It is a violation of the HIPPA Act and a violation of FDCPA. 


I keep receiving harassing phone calls from ( MEAD & ASSOCIATES INC ) over an unverified account that I am unfamiliar with I have requested them to no longer contact me at my job or on my personal phone. I am still receiving contact without any form of documentation whatsoever?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : $ - ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. Those remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

I called XXXX, XXXX, and Experian today kindly asking them to remove the multitude of unauthorized inquiries that were placed on my credit report without my consent. I believe I am a victim of idendity fraud over the past few years regarding certain accounts. Most specifically for a car, and some other accounts. In the past, I discussed the potential of purchasing a car with companies in the past, and did a lot of research with these companies, however I never authorized them to run my credit, because I knew I wasn't financially ready to actually make a purchase. I have noticed over XXXX different Care inquires throughout all 3 bureues that I never authorized, that are severely hurting my report, and I never purchased a new vehicle. Also, there are unauthorized accounts that I have noticed on my credit report as well. I was denied the ability for the credit bureaus to delete this information when I asked via phone, therefore this is the reason for my request. I appreciate your time in this matter, and thank you for assistance. 

( This is an addendum from my last file, as I did not add all the credit bureaus that I attempting to correct my information )
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my consistent track record of making timely payments, I am distressed to find that the credit bureau is reporting me as being late. I would like to emphasize that I have never been late on these accounts, and I urge the bureau to commence an investigation to rectify this inaccurate reporting promptly.
Product: Student loan

On XX/XX/year> I made a payment of {$7500.00} to Mohela. They transferred our loan do a different portal system and our payment is not reflected in the current balance. I called on XX/XX/year> to see if they received our payment and they said they did confirm they received the funds, but it would take 30 business days ( Until XX/XX/XXXX ). For the payment to be posted on our account. We want to pay the remaining balance of our loan off before then ( planning to pay the balance off completely by the first week of XXXX ), but will not be able to until the payment we paid them on XX/XX/year> shows as reflected in our account. 

It is unreasonable that we made a payment over 2 weeks ago and it is not being reflected on our account. This is causing us to be unable to pay off the total balance of our student loans resulting in increased interest and fees for having to keep the loan balance active longer. 

We requested that they expedite the posting of the payment to our account and they refused, stating 30 business days is standard.

We were not notified of the exact date the system transfer would begin. We were never notified that payments that were made a couple of days before this transfer period would take 30 business days to be posted to our account. Had we been given clear communication, we would have waited to make the {$7500.00} payment after the system transfer was completed to have it posted in a reasonable timeframe ( the standard 3-5 days regulation Z requires ). It is unreasonable for us to have made a payment 2 weeks ago and have to wait another month for us to see it posted to our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not a third party In accordance with The Fair Credit Reporting Act the list of accounts Below have violated my Federal Protection consumer right, and are not completely accurate as the law requires. 

15 US.C 1681 Section 602 ( a ) ( 4 ) states that we have right privacy.

15 USC 168 ( a ) section ( 2 ) States Consumer can not furnish my account with out written instructions.

Also according to U.S.C 1681n ( a ) ( 1 ), any actual damages sustained by the consumer as a result of the failure of no less then {$100.00} and not exceed {$100.00}.

XXXX XXXX XXXX XXXX XXXX Last verified or different with the three credit bureaus, also the date of last activity. 2 violations. 

XXXX  accounts # XXXX Last date of activity difference on the three credit bureaus also the date of opening is different. 2 volations XXXX XXXX account # XXXX Last verify doesn't match the 3 Bureau also the date of last active and the date of opening. 3volations. 

XXXX # XXXX XXXX verify, date of activity date of open date of closed, does not match the three credit bureau.XXXX XXXX XXXX Accounts XXXX XXXX, XXXX Date of last activity, and date of open. 2volations XXXX XXXX XXXX XXXX Last verified and date of last activity and date of open. 3 volations Total volations 16
Product: Credit card or prepaid card

I was stunned when I reviewed my XXXX, XXXX and XXXX credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, Inquiries : 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 XXXXXXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My email and phone number has been compromised Truist on XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all with unauthorized transactions Email, phone number, Social Security numbers, logins and passwords. Have all been compromised. 
Please HelpMe
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX XXXX for many years. During our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I had a XXXX  years ago, I was in a financial dilemma due to a gun incident I lost my XXXX XXXX XXXX son. As a result, 7 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 7 late marks on my credit reports are causing me tremendous XXXX I am trying to move up to a better-paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.
Product: Debt collection

There is multiple medical debt that is not owed nor is the amount shown on y credit report. Also there is debt shown more than once with the same amount. 4 of them should have been deleted already.
Product: Credit reporting, credit repair services, or other personal consumer reports

My spouse and I filed a chapter XXXX bankruptcy in XX/XX/XXXX which did NOT include our home mortgage to XXXX XXXX. Since that time, we have made several complaints to have them repair our credit reports regarding how they have reported our mortgage. The account is current and we have NEVER had a late payment. They have fixed all of the credit reports for my husband ONLY. The following is how they are reporting to the three credit reporting agencies for myself ( we are joint owners of the loan, so they should be exactly the same ). 
XXXX shows me with zero open mortgage loans. 
XXXX shows me with zero open mortgage loans. 
Experian shows me with XXXX XXXX XXXX XXXX   closed, included in a chapter XXXX bankruptcy and a failure to pay in XX/XX/XXXX. 
I received a letter from XXXX XXXX dated XX/XX/XXXX with the following statements : " We've determined the account was handled properly and no corrections are needed as no error has occurred. '' " We've determined that we provided accurate information to the consumer reporting agencies and will not be making any adjustments ''.
Product: Debt collection

I have contacted XXXX XXXX XXXX  and IC Systems about this matter about the debt in question, numerous times for about 5 years, I provided that I have another carrier that provides similar services and I needed proof a signature was captures for services rendered. When I ask they tell me I have to send a letter saying its not mine which I had to the address on the letters and the one the agency provided.

I never received follow ups and it continues to hurt my credit. I can not obtain a mortgage with this on my credit.

I have went to credit beau 's to dispute more than a handful of times and they refuse without proof of accuracy of this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

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

MOHELA Student Loan Servicing https : //www.mohela.com/ I completed the PSLF program and they set my balance to {$0.00}. 
They stopped reporting to the credit bureaus after the balance was paid and are not properly showing my credit history. 

The student loan debt still shows up on all 3 credit reports as an amount due. 
This affects my ability to qualify for credit and loans because they assume I have a payment of 1 % monthly on the original balance before the discharge. 

I received a letter from MOHELA dated XXXX XXXX XXXX that the loan balance had been forgiven through some other means besides my 10 years of PSLF payments. 
This forgiveness is stated as effective as of XX/XX/XXXX and here we are in XX/XX/XXXX and the debt is still not paid according to the credit Bureaus. 

I find their actions purposeful harassing and against Fair Credit Reporting. 
And the discharge should be backdated to either XX/XX/XXXX ( or earlier ) or XX/XX/XXXX. 
And they have no place in their online messages system to send them a message. 
Also calling them on the phone is a forever on hold, I have not been able to get anyone on the phone to complain about this issue. 
I did my 10 years of PSLF and still dealing with this kind of corruption!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im hXXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.