23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a loyal Hyundai customer, currently on my XXXX lease. In early XX/XX/XXXX, a Hyundai Dealer convinced me to return my XXXX lease a few months before the contract maturity date and take out my XXXX lease. The Dealer covered the remaining balance by sending a check to XXXX XXXX XXXX, which is the payee for Hyundai Motor Finance ( HMF ). The check was delivered on time. HMF deposited the check, but, apparently, did not apply it against my account. HMF started sending me invoices and calling me to make the payment. I kept telling them that the dealer told me that the balance was covered in full and HMF should figure it out with the dealer. Instead, HMF reported me to credit bureaus and continued to report late payments for a full year ( XXXX ), destroying my credit history. I tried disputing this with HMF they demanded the front and back of the check that the Hyundai dealer sent them. HMF refused to talk to the dealer directly. In XX/XX/XXXX, I caved in and paid the balance in full to stop the accumulation of late payments. Shortly after, I finally managed to procure the copy of the check from Hyundai dealer. HMF admitted their mistake and refunded me the amount of the check, but have not removed late payments. There is no one to call, all you can do is send a credit dispute to HMF by mail. HMF has been refusing to clear my credit history sending me boiler plate responses that my credit report is correct. However, I was never late with my payments, because the Dealer paid off the balance on time! I had a perfect credit history, and now my credit score is so bad that I wouldnt even be able to get another lease. HMF has to be held accountable for this injustice, and they have to revamp their processes for handling disputes. The advice to others is pay first dispute later.
Product: Money transfer, virtual currency, or money service

on XXXX 2022, I transferred {$1500.00} to XXXX using Remitly.com online account. on XXXX of XXXX, I received acknowledgment about the transfer and when I asked my XXXX he told me that amount is not showing in his bank account. 
on contacting Remitly customer services, they told me that your provided account number was not correct and we have requested their partner bank for a refund. 
since then I have contacted them almost every week and I am not receiving any encouraging statements from them. 
In XXXX, my brother contacted the bank and they provide him with a bank statement during that time period ( XXXX ) which proved that there is no money transferred during that period. 
I emailed that to Remitly. 
today I called them and their statement was really disappointing please help me in order to get my refund. 
My claim is that the bank account number was wrong. there is the Title of the account, phone number, and address to verify. how can they make this transfer without verifying it. 
A
Product: Credit reporting or other personal consumer reports

I have already contacted the creditors who report these Inquiries that I do not recognize and are fraudulent and have already been reported to the fraud department. These are the fraudulent Inquiries : XXXX ( Bank ) XXXX XXXX  ( Bank ) ), XXXXXXXX XXXX XXXX XXXXXXXX ( Bank XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XXXX
Product: Credit reporting or other personal consumer reports

My account with 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 XXXX 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 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

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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

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 XXXX, # XXXX Account name : XXXX XXXXXXXX # 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.
Product: Credit reporting or other personal consumer reports

Equifax is inaccurately reporting two accounts and a balance that do not belong to me. These accounts are fraudulent and a result of identity theft. Despite my numerous reports, you have failed to take action to remove this erroneous information. I am attaching letters from the original report once again. It is imperative that you address this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please validate this information and provide with me the copies of any documentation associated with this account, bearing my signature. 
In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to E-Oscar or any means of automated verification.
Product: Debt collection

I received a letter from a debt collector that i previously advised that the debt was discharged in bankruptcy. I sent them the case information in the mail. I have since received 2 additional letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX thank you for helping me fix my issues with my identity theft problem I've had since XXXX. I've reported my credit report and have had disputed these fraudulent claims that someone else has used my info to gain funicular finicial gain without my knowing. I don't want the person to be imprisoned or hurt I just want my credit report fixed and my numbers back to my own good hard earning works that I deserve. I found out all these problems through experian and here is my birthday XX/XX/XXXX ... ..and Ssn XXXX and my prior address was XXXX XXXX XXXX XXXX XXXX utah XXXX I'm now homeless due to my credit being robbed and I can't get into a apartment please help me so I can get a home I'm on XXXX XXXX XXXX and also have XXXX I'm responsible for bills to be paid when due and any repposponble payments I owe but I can't seem to even get an apartment due to my identity theft on my credit arrrgh ... XXXX Can you please help me everything on my report is identity theft related I have police report numbers and case numbers I have the documents to prove that I've done none of this.. I've even had to the social security office to get my name changed and new social security number which I'm working on ... Anyways thank you for all your help ... my email is XXXX and phone number XXXX ...
Product: Credit reporting or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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 items : 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

To Whom It May Concern, I am writing to demand immediate compliance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ) regarding my identity theft dispute for the fraudulent XXXX XXXX XXXX and XXXX XXXX accounts . 

I provided all legally required documentation on XX/XX/year>, including : A valid identity theft report Proof of my identity A formal dispute letter demanding deletion Under FCRA Section 605B, you are legally obligated to : Block fraudulent accounts within 4 business days of receiving my identity theft report.

Provide a written response explaining any refusal and supporting it with proper evidence.

Violations Committed by Equifax & Experian 1. Failure to Block Identity Theft Accounts within 4 Business Days You violated FCRA 605B by failing to remove the fraudulent accounts despite receiving all required documentation.

2. Failure to Provide Proper Verification ( FCRA 609 & 611 ) You have not provided any original documentation ( e.g., signed contract, proof of ownership ) to verify these accounts.

3. Deliberate Stalling Tactics & Deceptive Practices ( CFPB Enforcement Precedent ) The CFPB has already sued Equifax for similar failures, proving a pattern of illegal behavior.

4. Reporting Inaccurate & Unverifiable Information ( FCRA 1681e ( b ) ) You continue to report information that can not be verified, violating your legal obligation to ensure maximum possible accuracy.

5. Intentional Noncompliance Grounds for Legal Action ( FCRA 616 & 617 ) Your actions constitute willful and negligent noncompliance, which entitles me to statutory damages of {$1000.00} per violation plus additional damages for harm caused to my creditworthiness.

Final Demand for Resolution You have 7 days from the rec
eipt of this letter to : 1. Immediately delete the fraudulent XXXX XXXX XXXX XXXX XXXX XXXX accounts from my credit reports. 
2. Provide written confirmation of the deletion with a full explanation of your actions.

3. Cease and desist from further reporting of unverifiable accounts.

Legal Action If You Fail to Comply If you do not comply within 7 days, I will proceed with the following actions : 1. File formal complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) My State Attorney Generals Office Consumer Data Industry Association ( CDIA ) 2. File a lawsuit against Equifax & Experian in federal court
Product: Credit reporting or other personal consumer reports

FCRA 605B directs you to remove any incorrect accounts from my credit report. Can you please check the documents? Some listed accounts have inaccurate reporting, amounts, and dates.
Product: Credit card

To Whom It May Concern : I paid a deposit in the amount of {$2700.00} on XX/XX/year>, to 'XXXX XXXX XXXX XXXX ' to move my personal belongings from XXXX XXXX Florida XXXX to XXXX XXXX Texas for a new job. 

XXXX XXXX XXXX XXXX XXXX turned out to be a fraudulent moving company. It is my understanding that XXXX XXXX XXXX XXXXXXXX is currently under investigation by the Department of Transportation ( DOT ) and the Florida Attorney General 's Office due their fraudulent actions that have significantly, and negatively, impacted numerous individuals. I have attached for reference correspondence I have received from the DOT and the Florida Attorney General 's Office. 

When XXXX XXXX XXXX XXXXXXXX showed up to move my belongings on XX/XX/year>, they demanded that I pay them several XXXX dollars more in cash than the amount per our contract. XXXX XXXX XXXX XXXXXXXX communicated that if we did not pay them this several XXXX dollars in cash ( that was not in our contract ) then they would leave and keep the deposit of {$2700.00}. 

As XXXX XXXX XXXX XXXX committed breach of contract and stole our deposit, I promptly called the Fraud number on the back of my 'General Motors by Goldman Sachs XXXX credit card to inform them of the fraudulent behavior committed by XXXXXXXX XXXX XXXX XXXXXXXX XXXX It is my understanding, based on my credit card agreement with my 'General Motors by Goldman Sachs XXXX credit card that they owe me a fiduciary duty to protect me from fraud. 

I am having significant difficulty removing this fraudulent charge on my Goldman Sachs credit card. Goldman Sachs has provided a link to upload evidence to remove this charge. However, the link does not work. Additionally, I have submitted evidence to Goldman Sachs in writing via USPS to remove this fraudulent charge, however, Goldman Sachs has not yet removed this fraudulent charge.

In addition to paying a deposit via my 'General Motors by Goldman Sachs XXXX credit card, I also paid a deposit with a XXXX credit card. XXXX has since resolved the dispute in my favor and removed the fraudulent charge from my statement. 

My concern is that Goldman Sachs is intentionally making it difficult for consumers to provide evidence to remove fraudulent transactions on their credit card statements. This is because the e-mail link provided by Goldman Sachs to upload evidence does not work. 

Additionally, based on reading the Consumer Financial Protection Bureau 's ( CFPB ) article entitled, 'CFPB Orders Apple and Goldman Sachs to Pay Over {$89.00} XXXX for Apple Card XXXX XXXX published on XX/XX/year>, it is my perspective that I am experiencing the same dispute challenges of other consumers related to Goldman Sachs XXXX broken dispute resolution process.
Product: Credit reporting or other personal consumer reports

This companies Violated my rights to privacy and have not showed me proof of original agreement and has negative items on my credit report. I gave no permission to or signed any contracts for.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


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

I need to fix a debt that was incorrectly sent to collections ( it has been paid in full ). I opened disputes with XXXX and XXXX. I could not log into Transunion. I spent an hour on hold with their phone line, at which point I spoke to a customer service rep who told me that they had disabled web-based dispute filing due to the COVID-19 emergency. This is ridiculous and outrageous. He then told me that because my account had previously been the victim of fraud ( some credit cards were fraudulently opened in my name ), a different department would have to field my dispute. I was transferred to their hold line. After 15 minutes I had a work obligation and had to hang up. 

I feel that Transunion has an obligation to provide expeditious dispute filing to the Americans they track.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed a late payment on an account that was never late. The consumer reporting agencies have assumed a vital role and are responsible for reporting consumers ' information to the best of their ability with maximum accuracy. I have never been late on payments for the account i have included a screenshot inside this complaint on the dates of XXXX. Please investigate and provide proof with statements showing that this payment was late. If proof can't be provided I demand that this account payment be updated to paid as agreed on time as they should be since I was never late. Thanks! PLEASE SEE SCREEN SHOT ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I leased a new XXXX XXXX from XXXX XXXX at XXXX XXXX XXXX. XXXX, FL. All went well and I was a happy customer. On XX/XX/XXXX I went to shop for a new vehicle and find out if there were any specials going on. I was able to return my XXXX XXXX and lease a new XXXX XXXX XXXX. All was still fine and I was a happy customer. In XXXX my husband and I both received a bill for {$580.00}. I immediately contacted XXXX XXXX pertaining to this bill. I was told that since I had paid for an excess wear and tear policy on the equinox and leased another vehicle there should be no payment due. Before I could do anything about this, GM Financial reported this to the credit bureau as 90 days in the rears with a {$580.00} balance. In almost 12 years of leasing vehicles with XXXX my payments have never been late. As soon as this was reported to the credit bureau my husband and my credit scores dropped XXXX to XXXX and XXXX to XXXX. XXXX points and I am still trying to get it fixed. Numerous calls to GM Financial, numerous disputes with all credit bureaus and emails to XXXX XXXX which go unanswered. I have paperwork that shows I do not owed the excess wear and tear of {$150.00} and the disposition fee of {$390.00} that was charged in error as I leased another new vehicle from XXXX. I am getting no where with GM Financial, the credit bureaus, or XXXX after 3 months. This has damaged our credit scores and kept us from financial opportunities. The {$580.00} is still on my credit report and it is now showing 120 days past due. And still on my husbands credit report.
Product: Credit reporting or other personal consumer reports

My account with 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 60 days 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.

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 8
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 XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, Account name : # XXXX, 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.