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

Inquiries need to be removed. I didn't give them permission to access my credit..
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN 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! 


Update the late payments from my consumer reports
Product: Checking or savings account

I have an XXXX account and PNC won't allow me to link my checking account and XXXX Account to round up my purchases to use as investments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting late payments on my credit profile without my permission. It is hurting my ability to get approved for anything and is defamation of my character.
Product: Bank account or service

Fifth Third Bank claims I opened an account with them and when I asked for validation of this debt all they send me is statements. Any one can create statements and put anyone 's name and address on them. I have already had this account thrown out of court because the courts did n't recognize only statements as proof of ownership of an account. Fifth Third at that time could not provide a signed authorization from me to open an account, for the courts. Fifth Third says they have sold this fraudulent debt and therefore will not remove from my credit report, but the debt they say they sold is not mine in the first place and they wo n't provide me with the loan authorization that I would have to have signed if I indeed opened this account. I want this debt cleared off my credit from all parties, Fifth Third bank and any and all collection agencies they may have sold this fraudulent account to. XXXX XXXX from this company refused to give me the account number and was very rude to me on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm never late on these accounts. I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX. Please repair and update these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank has submitted 3 hard inquires to my my Credit Report, I have never applied for a Chase Bank credit card or loan. 

Chase Card Inquiry from XX/XX/XXXX Bank Chase Card Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank Chase Card XXXX, DE XXXX ( XXXX ) XXXX
Product: Debt collection

compromised credit file. 5th attempt. license are on your file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint before to request a fraudulent student entry from XXXX / XXXX XXXX  to be removed from my credit file, transUnion responsed XX/XX/2020 : We have reviewed your complaint along with the information you previously provided regarding this issue. After reviewing the activity on your file, along with the information in our data base, we have removed the XXXX XXXX XXXX XXXX # XXXX account from your TransUnion credit report. In addition, in your previous CFPB Complaint # XXXX, you referenced XXXX XXXX XXXX # XXXX ; therefore, the response advised you that that account is not appearing on your TransUnion credit report. The XXXX XXXX # XXXX account was not identified within that complaint. In order to protect your privacy, we have mailed an updated copy of your TransUnion credit report to the current address we have on file for you. You can expect to receive it in approximately 7 business days. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX  XXXX XXXX  ET. For more information please visit our Frequently Asked Questions page at www.transunion.com/consumerfaqs. 
DESCRIPTION OF NON-MONETARY RELIEF We received your complaint about the item in your credit report, and apologize for any difficulty you may have  experienced. The XXXX XXXX account identified in your complaint has been deleted. 

However, today, when I checked my credit file again, the information was added back! What does transUnion do to protect consumers right?
Product: Credit reporting or other personal consumer reports

It has come to my attention that you are not removing files submitted with an FTC report. As required by section 605B of the FCRA, I am sending this letter via certified mail to establish a legal recourse. If you do not remove the inaccurately reported items listed below, which are the result of identity theft, I will forward my documents to my attorney to initiate legal action. My intention is to avoid legal proceedings, so please comply with the law. Remove the following items, as they are fraudulent and were opened without my consent or knowledge. In the absence of any documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number : XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ======Equifax XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Date XXXX : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Please note that you have four business days to remove the reporting of any items in my credit file resulting from alleged identity theft. I do not consent to XXXX or any form of automated verification. I expect your immediate attention to this matter and a response within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
I've contacted XXXX XXXX XXXX / XXXX  & they told me I've never missed a payment, yet XXXX and Transunion refuses to update me from being listed as XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on the accounts. They told me they are not required to allow me to dispute this inaccurate information any longer.as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor I constantly have to do XXXX and Transunion job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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. 

The information being reported is inaccurate and currently being paid. Please see attachment.
Product: Credit reporting or other personal consumer reports

I applied for a credit card back in XXXX and got rejected. I just pulled my credit report XX/XX/XXXX and noticed XXXX injuries from this company running my credit several times. I didn't authorize Credit Karma to run my report. I also reported this to FTC case # due to fradulent actions taken on my reports and also have frozen " All '' of my credit reports.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling disputes, particularly in light of the recent CF PB lawsuit highlighting significant issues regarding the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking is unfeasible. The CFPBs findings indicate the Zelle has not only been neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

HELLO TO WHOM IT MAY CONCERN IM REACHING OUT ABOUT ENHANCED RECOVERY BETTER KNOWN AS T-MOBILE THEY KEEP CALLING MY PHONE EVERY DAY FROM DIFFERENT NUMBERS DEMANDING PAYMENTS WHEN THIS ACCOUNT WAS NEVER USED BACK IN XXXX I WAS TOLD IT WAS SOLD TO A DEBT COLLECTOR AND WAS REOPENED BACK IN XX/XX/XXXX THE DEBT COLLECTOR WAS VERY RUDE AND USED PROFANITY WITH ME I DIDNT GET HIS NAME AND THEY ALSO LEAVE VOICEMAILS WITH NO NAME SAYING THAT THEY ARE A DEBT COLLECTOR AND TO RESPOND BACK TO THE CALL OR I WILL HAVE A CHARGE FILED AGAINST ME.I ALSO WAS TOLD THAT IT WILL BE OPEN UNTIL XXXX WITCH IS INACCURATE AND THEY INSIST ON KEEP HITTING MY CREDIT REPORTS.
Product: Bank account or service

Citibank offered XXXX XXXX XXXX points for signing up for a Citigold Checking account if you meet the requirements of the promotion. I secured message Citibank with reference # XXXX in which they confirmed I completed the requirements for the promotion of XXXX on XXXX XXXX, 2016. They told me I would get my XXXX XXXX points within 90 days. After 90 days they told me they I dont qualify and there was no such thing. I have screenshots of our emails and the promotion email. I opened multiple investigations with them and each time they denied me, or strung me along with " give us 1-2 more business days. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Resident verify has me with an account that does not belong to me. I applied for apt and was denied because of eviction on my record for which I have never even lived at the address! I disputed it and asked it to be removed and provided identity theft report but still no movement. This company is ignoring me requests and has reported information that I have not given them permission too. 

Im accordance with FCRA 1681 I have a right to privacy ; and also no reporting agency shall knowingly report information believed to be false or misleading Resident verify ( entrada ) has violated my fcra rights and refuses to take down information that is damaging to my credit profile
Product: Checking or savings account

On XX/XX/2023 a direct deposit was made into my Union Bank Checking Account for the amount of {$620.00}. On the same day this account was closed due to a bank conversion - Union Bank was now owned by U.S Bank ( Union Bank is no longer open or in service ). My employer has stated that Union Bank accepted the deposit and has not returned the funds. My Union bank account did not transfer over to U.S Bank and was closed. U.S Bank claims they returned the funds and provided me a return tracking number ( # XXXX ) but the funds were returned to Union Bank and not my employers bank. At this point there has been no resolution to retrieve the funds. 

They have claimed they can no longer help me due to the fact that I do not have an open account with U.S. Bank
Product: Debt collection

This company is inflicting hardship upon my credit file considering the fact that this account was written off. Therefore I requested a XXXX form for income from the collection agency but to no avail. So I sent cease and desist letters out but still, phone calls remain the same. Breaking the 15. U.S. CODE 1692 of being steadily harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times to Experian. I would like to express my dissatisfaction regarding Experian 's failure to remove inaccurate information from my consumer report, which is causing me significant emotional stress and infringing upon my privacy rights. Remove in 10 calendar days are further legal action will be taken!
Product: Checking or savings account

Truist Bank has been unreachable regarding fraudulent charges to our account. 
XX/XX/2022 # {$890.00} and {$670.00} were taken from our checking account. Truist Bank is basically unreachable by depositors and their employees. 

We went to the bank XXXX to find out what steps needed to be taken. We were told because of the merger, nothing was being processed until the following Wednesday ( XX/XX/2022 ) evening. The charges must post before we could file a fraud complaint. We went to the bank on Thursday, XX/XX/XXXX and had the banker call and put in the fraud complaint. Please note, we were on hold 45 minutes before our call was answered. Complaint # XXXX Having tried numerous times to call the numbers given for the Fraud Department XXXX and XXXX XXXX XXXX and not being able to get thru I did get someone on Tuesday, XX/XX/2022 but she was not able to give me a current status on the claim. She transfered me to another department that was closed and not the correct department either. 

Wednesday, XX/XX/2022 went to the bank and asked the banker to try and reach someone regarding the status .He tried both numbers and wasn't able to reach anyone.This visit was 90 minutes. 

Truist did not create an avenue for its Branches to reach out to them. 

worst experience in banking in our entire lives.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute - XXXX XXXX XXXX XXXXXXXX To Whom it may concern, I am writing to express my profound dissatisfaction and apprehension regarding the handling of the reporting concerning the account XXXX XXXX XXXX XXXXXXXX on my credit report. Upon careful examination, it has come to my attention that there are egregious violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. Consequently, I am demanding immediate action to address and rectify these issues. 

Specifically, I hereby formally request a thorough debt validation, encompassing the following details : Original Contract : Furnish a comprehensive copy of the original contract between the purported creditor and myself pertaining to the account XXXX XXXX XXXX XXXXXXXX. 

Original Creditor : Clearly disclose the name and contact details of the original creditor linked to this account. 

Original Open Date : Provide the precise date on which the account XXXX XXXX XXXX XXXX was initially established. 

Date of Last Payment : Specify the exact date of the most recent payment made in connection to this account. 

Date Account Was Closed : Indicate the date on which the account XXXX XXXX XXXX XXXX was officially closed. 

I am fully cognizant of my rights under the FCRA, and it is evident that XXXX has failed in its duty to ensure the accuracy and validity of the information it reports. I insist upon a prompt response and resolution to this matter. 

Failure to comply with this request within [ 15 days ] from the date of this correspondence will leave me with no recourse but to pursue legal action to uphold my rights under the FCRA. Please regard this as formal notice of my intention to take such action. 

I anticipate a timely response, accompanied by the requested documentation, to be transmitted through the CFPB portal. Furthermore, please ensure that any amendments made to my credit report are promptly reflected.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment with the numerous unsuccessful attempts to remove fraudulent items from your platform. Despite my repeated efforts to report these fraudulent listings, I have encountered significant obstacles and delays in their removal, which is deeply concerning. 

However, I regret to inform you that despite my persistent attempts, these fraudulent items persist on your platform for an unacceptable duration. This not only undermines the credibility of your service but also exposes your users to potential financial losses and other risks associated with fraudulent activities. 

Furthermore, the lack of transparency and communication regarding the status of my reports has only compounded my frustration. I have received minimal updates on the progress of my complaints, leaving me uncertain about the actions being taken to address these issues. 

As a valued user of your platform, I expect better accountability and responsiveness from your company in combating fraudulent activities. It is imperative that you take immediate and decisive action to improve the effectiveness of your fraud detection and removal processes. 

I urge you to allocate additional resources to expedite the removal of fraudulent items from your platform and enhance communication with users regarding the status of their reports. Implementing stricter verification measures for sellers and investing in advanced fraud detection technologies are also crucial steps to prevent the recurrence of such incidents in the future. 

Failure to address these concerns promptly will not only erode the trust of your user base but also expose your company to potential legal and reputational consequences. I implore you to take this matter seriously and prioritize the protection of your users from fraudulent activities. I am asking for your assisstance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF MI XXXX OF AT Child Support XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX {$270.00} XX/XX/XXXX STATE OF MI XXXX XXXX XXXX {$3200.00} XX/XX/XXXX STATE OF MI XXXX XXXX XXXX {$45000.00} XX/XX/XXXX STATE OF MI XXXX XXXX XXXX {$10000.00} XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX ... CREDIT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX ... CREDIT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

OnXX/XX/2020 at XXXX XXXX  I received a robocall from Capital Collections. The robocall asked for me, said if it was not me I should hang up, then went on to say they were attempting to collect a debt. 

I received the call a So, bad practices and a TCPA violation from XXXX. 
violation.