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

i recently reveiwed my credit reportan account that was not reporting accurately. I had a late payment on XX/XX/year>. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payment. ive attached a copy of my report to this complaint on the following date of XX/XX/year> and so forth. I am requesting an investigation of this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX on XX/XX/2023 to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, XXXX, Experian, XXXX XXXX  XXXX , XXXX XXXX  and XXXX. 
Per 15 U.S.C. 6802 and CFR 313-Privacy of Consumer Financial Information . 
I have not gotten a response from this company and they continue to report my personal information to third parties.
Product: Consumer Loan

I have been receiving unwanted calls from IC Systems Collection Agency to my personal Cell phone number and family members cell phone numbers and I would like them to stop.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Responded on XX/XX/XXXX via Complaint # XXXX which I submitted on XX/XX/XXXX via CFPB Portal . 
Again this debt is not MINE!! 
Your company did not send me the initial letter as you stated which is the first violation of many Section 1006.34. I requested PROOF and yousent me NOTHING!!!!!! 
I am now submitting that my income is XXXX and I will attest to this that I have not worked at all in the past 60 days. I am insolvent .The only aid I receive is via XXXX Assistance from the XXXXXXXX XXXX XXXXXXXX XXXX XXXX cash from any agency on any level. 
You have worsened my condition over the last 30 days! I will not be discussing finances anymore with your agency that I do not have. You have a littany of FCRA and FDCPA violations and I will complain how I have been treated for such a very long period of time and I will complain to whoever will listen and provide the News Media, Attorney G, FTC and anyone else who will listen with this large stack of paperwork that I have attained due to your companys egregious behavior, if you do not remove this information. I was admitted into XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX for 7 days with XXXX at its inception in this area. 
I am not able to function at all physically or mentally the way I did before my illness. XXXX is making things much worse now. 

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, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Collection : XXXX XXXX XXXX XXXXXXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX 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 furnished a account with out my written instructions.
Product: Debt collection

I started an Auto policy with XXXX - XXXX XXXX office in XX/XX/2021. My monthly amount remained the same until I requested to remove a car and stop auto bill. At that point I was double charged and the funds actually came out of my account. I requested a refund from the agent XXXX XXXX and got the run around. Soon my policy was approaching termination due to them not fixing the billing error although I was assured by their XXXXXXXX XXXX XXXX Dept XXXX - escalation XXXX No one ever followed up. When I contacted XXXX XXXX XXXX HE was very rude and irate after I advised I would like another agent and this issue to be escalated to whomever he reports to. My policy was cancelled a few days ago. Although XXXX the owner advised he needed to research and follow up he never did. A month or so later the charge showed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do NOT have a signed contract nor any contract with XXXX. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping. They lied and said that they would investigate but they are not they are just sending bills and still reporting false information on my credit report. Now a collection agency is writing me.
Product: Credit reporting

I have challenged all XXXX credit bureau agencies, to collect the right data, there is a serious of problems that my credit bureau, continues to allow creditors to review my credit and make inquiries, without contacting me for my personal id number having Fraud Alerts activated. These inquiries, has caused some severe issues and lower my credit score tremedously. I have not authorize them to review my credit without my consent, nor was a phone call ever made to me to address the validity of the inquiry. If these features are turned on, why are they being allowed to enter my credit report and make inquiries without my permission, in addition, there are many accounts on my credit that are not sustained by said creditors, the account were not open at the time stated either, all these have been challenged and continued to be challenged, the effort is becoming endless and I have now resorted to your organization for assistance, since I was immediately helped in the past with a greater issue regarding my mortgage, and the resolution was amazing. Thank you
Product: Credit reporting

I have filed direct disputes on XXXX XXXX with both credit reporting agencies. Transunion has completed their investigating and their idea of a resolution, was to do nothing I am very unhappy with this because I have worked hard to arrange payment plans with my collections and I want it to reflect in my credit score!
Product: Credit reporting or other personal consumer reports

In accordance with the credit fairness act companies have violated my rights. 
1681b. Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX2024 i submitted multiple complaints disputting things from my credit in response equifax sent letters stating they could not verify my identity. Then on XX/XX/XXXX they refused to investigate accounts listed in the letter i have attached below. This is a total violation and all items should be removed immediately i will be contacting a lawyer to sue for violation of fcra guidelines. If they cant verify who i am how did they send me a letter with accounts thats on my credit report
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 Home improvement with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$140000.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
DEPTEDXXXXXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXXXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for home improvement loan due to the inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. They violated my rights numerous times. I demand the bankruptcy listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this information listed below. 

XX/XX/2017. Reference # XXXX. US BANKRUPTCY COURT-TAMPA XXXX
Product: Checking or savings account

I have had my debit card compromised several times this year, I have recently filed two disputes and had my card closed due to two transactions from XXXX. 

The first one for XXXX was taken care of by Huntington they provided provisional credit and sent me paper work to fill out. 

The second transaction is for XXXX on XXXX. I have not received any information from Huntington regarding this dispute or any provisional credit. 
I have called twice today both times I was transferred and put on hold, both times the calls are dropped and disconnected, in the middle of the conversation with the disputes representative. 

I need provisional credit for this XXXX I work two jobs and live check to check I did not do this transaction When I finally got someone on the phone they said it was pending investigation because the transaction had not posted, Which is untrue and a lie.. when I called to dispute the transaction it was already posted to my account in the history. So why is the dispute department sitting on this? I want this credit perm placed back into my account. I did not authorize this transaction
Product: Debt collection

On XX/XX/2018 a letters were sent to Renton Collections to verify " debt '' notifying them they had 30 days to reply with all 7 items required by FDCPA or to remove " debt '' from credit reporting agencies for two accounts. Neither happened and calls have continued to try to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter regarding inaccuracies on my report on XX/XX/2020. I then followed up with another letter XX/XX/2020 because I didn't receive a response. To my knowledge the company has 30 to 45 days to respond to my dispute. They are in violation of the fair credit reporting act. These inaccuracies are  drastically effecting my credit score. 
I understand we are in difficult times but these inaccuracies must be corrected. Thank you and God Bless.
Product: Debt collection

CFPB took action against NFCU on debt collection. I 've submitted my claim on NFCU for wrongful charges on a XXXX ( XXXX ) XXXX ( XXXX XXXX promissory notes, but was closed without satisfaction. My husband 's direct deposit to NFCU XXXX since retirement in XXXX, stopped in XXXX XXXX, sued here in AZ in XXXX, collected garnishments over $ XXXX, made an unannounced withdrawal of over $ 4XXXX to pay VISA acct, sale of XXXX here in AZ in XXXX XXXX gain of $ XXXX, but posted to an already closed account -- all raised Red Flags. His account, primary owner, was closed, but mine remains open. I was the XXXX garnished. Question : How is this different from the action taken recently against NFCU and not gained a penny because of the timeframe?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XX/XX/year>, XX/XX/year> and XX/XX/year> 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 XXXXXXXX XXXX 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: Debt collection

XX/XX/2020 - A call at XXXX am was received from phone number XXXX -- was claiming to have my social security number and was attempting to get more information from me and I told him I don't owe any debts and I told them to stop calling me and hung up. The same person called using UNKNOWN and other out of state numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let me make this clear to you, XXXX  is my student loan account but DP OF EDUC XXXX   IS NOT MY ACCOUNT!!! This issue is an existing problem which Equifax wasn't able to resolve.. Government funded loans are not allowed to be reported, this is a clear violation of the FCRA.Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX.. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please
Product: Credit reporting or other personal consumer reports

15 USC 1666b 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.

I have never received mailed notices 21 days before the due date of any payments. I am asking you to provide proof I was mailed any notices 21 days before the due date with a tracking number or return receipt. If you are unable to provide evidence I was mailed a notice then these late payments are in violation of my consumer rights by law and must be reflected to show current or on time
Product: Debt collection

Portfolio recovery says I owe {$940.00} to some web bank company for who knows what. I looked them up and they have credit cards and XXXX computers that they give credit for. I never had a card with them and have only ever owned XXXX computers. I have tried numerous times to have this removed and have been unsuccessful. Please help. I asked them to show me a written or electronic agreement that I have entered into a contract with either and they are unable to do that. Please help it's killing my score.
Product: Credit reporting or other personal consumer reports

To my shock, I noticed this morning that there were inaccurate accounts on my credit report, and I cant understand why. I check my report regularly, but today there were unexpected discrepancies. I tried refreshing the page, hoping it was a simple error, but the wrong accounts didnt disappear. Im really upset about this and am asking that the documents Ive provided are reviewed closely so this nightmare can finally end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to remove a fraudulent collection off my consumer report that was reported in a FTC complaint. This alleged creditor is illegally pursuing debt collection in this matter and Transunion has been notified and informed of this many times via letters and has failed to remove from my consumer report. I also added all violations and consumer laws in my letter to Transunion and they have failed to remedy the situation. This still has not been removed. 

Creditor : XXXX XXXX Account # XXXX
Product: Vehicle loan or lease

You falsely advertise that you help consumers. In actuality, you suck every penny that you illegally can from them.
Product: Credit card

On XXXX XXXX, XXXX, I purchased approximately {$100.00} of goods from Macy 's on my Macy 's credit card. I did not receive a bill, nor did I get a reminder e-mail about my amount due, and accordingly time passed and I eventually forgot all about it. I pride myself in paying all my bills on time, and was dismayed when, XX/XX/XXXX, I received a Macy 's bill in the mail for {$240.00}. There had been no notice on my credit reports that this bill was overdue, nor did I receive any other notification before the XXXX bill. I called Macy 's and spoke with an argumentative woman who insisted I had signed up for e-bills when I first opened the credit card, over three years ago. I told her I had received no bills, no notification of any kind, not even an e-mail, and she said it was my responsibility to check my Macy 's account to see what was due and pay it accordingly. I have never looked at my Macy 's account online, nor do I believe I have an account there. Regardless, they should have sent me an e-mail notification, or I should have received notification with my bill paying service, as I have from Macy 's in the past ; but I received neither. I asked to speak to a manager, who was even more argumentative. She agreed to take the current late fee of {$38.00} off, but no more. I told her that my account has always been in good standing, and that I originally had a Macy 's account XX/XX/XXXX and she laughed, probably because she had n't even been born then. I became very angry and told her I wanted to pay whatever I owed and close the account. She began arguing about all the reasons I should keep my card, and I told her, " I 'm done arguing with you. Please let me pay and close my account. '' She would not let me pay with the XXXX XXXX credit card I use for most purchases, saying I needed to provide a checking account number, which I reluctantly did. I ended up paying {$190.00}, and she finally closed the account. A few days ago, I received notification from XXXX XXXX that my credit score had been impacted by some activity. I learned that on XXXX/XXXX/XXXX, Macy 's had reported my account overdue by 60 days. My account was actually overdue by more than 120 days. They had every opportunity to file with the credit agencies when I was late after 30 days, but did not because ( I believe ) they knew I would find out then that my bill was overdue. I also wonder whether the reason they filed it now is in retaliation for how angry I was when talking with them. I know Macy 's is a large company, but this practice of not notifying card-holders when bills are due so Macy 's can increase their profits is abhorrent and needs to stop now.
Product: Payday loan, title loan, or personal loan

I took out a loan from XXXX XXXX XXXX for my furnace. I missed 1 payment on this loan in the 2 years I had it ... and paid that in under 30 days. However, they continued to claim I missed the payments passed the 30 day period. I have since paid off the entirety of this loan and they have yet to report this payment, which would increase my credit score. I need help on my credit score ASAP... they have destroyed my credit score number with their inaccurate statement of neglected payments.
Product: Checking or savings account

in XXXX XXXX i found out that i had zero balance in my XXXX bank of america card. i called bank of america right away and check my statement they had transferred {$7600.00} out of my XXXX bank of america account to an unknown account XXXX transfers were performed. I never did or approve the transfer it said that it was done in XXXX. I have place two claims and bank of america has failed to investigate they keep sending me letters that the amount stolen will not be refunded. they only discontinue my card and send me another one with a chip. there has been so many problems with the card without chip because it can be hawk easily. This has caused me a lot of XXXX because bank of america has not protected my rights as a costumer and failed to investigate this fraud. It is a lot of money that was stolen and bank of america is not taking it seriously. if they fail to help costumers more will be affected in the future.
Product: Checking or savings account

Attempted and filed claims with the bank and local branch, with little to no help to get my money/funds back. 

I had used my TD account to fund these purchases, which were all considered pre-orders for physical goods. TD debit card, visa card. The expected delivery date would vary depending on when I purchased but stated 4-5 months after public release. 

Please refer to visa card rules : XXXX XXXX XXXX Says the bank investigated the dispute claim but now has wrongfully decided to reverse any funds given back to me. 
Case : XXXX Includes multiple transactions relating to my personal TD Bank checking account : As posted on my statements ( all relating to the same merchant - XXXX XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$3900.00} ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$640.00} ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$660.00} ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$190.00} ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$660.00} ) Please reach out to the necessary personnel at the TD Bank HQ and/or me if any other information is needed. 


I would like to get this resolved and receive my funds back.