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

My account with TRANSUNION 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 ( MONTHS REPORTING LATE ) 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. 


TRANSUNION 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

Good morning, As of XX/XX/2022, Southwest Credit Systems , LP alleges that I owe them a debt of {$160.00}. I am not liable for the debt nor do I have a legal written or verbal contractual agreement with Southwest Credit Systems , LP. 

XXXX has already removed this account from my credit report. I'm requesting that this information also be deleted from my XXXX and XXXX credit reports, many thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2018, I was in a car accident that was not any fault of my own, but it totaled my XXXX XXXX XXXX. I was financed with XXXX XXXX, I immediately called insurance got a claim started that night - insurance and gap got started paying it off and started communications with XXXX XXXX   to get the card fully paid off, in the mean time, I had to finalize my divorce and was changing jobs - but was able to go get a new lease for a lower payment on another XXXX. Insurance and gap and I were all communicating, along with XXXX to ensure it was all paid off. From what I understood gap was covering the rest of the finances amount, so it was all to be paid off. Well I got a call from XXXX about a balance, I called insurance and gap and they said they would communicate with them to get it paid and for me not to worry about it. 

Well then I get a 30 day report showing from them on my credit for {$450.00} - meanwhile Im a newly divorced single mother trying to sell my house and get a new home that is within the mile distance allowed from my ex husband. That tanked my credit and put me under qualifying. I called them to see what happened and they said gap had sent in the payment late but it didnt cover {$450.00}, and then they told me as of the day i called, XX/XX/XXXX i believe, that I was 60 days late. 

Now I know {$450.00} doesnt sound like a lot But when you are newly divorced, now make $ XXXX/hour  and not your salary you were used to AND youre having to move, and a mom paying expenses for kids - {$450.00} is a lot. 
I asked to do a payment plan, or have a rewrite - they denied me and started having condescending tones asking me what changed and why couldnt I pay all the sudden, and that gap had not covered it for the total loss car for this amount and it was left to me. They told me I could make small payments, but they would consistently report me late. 
I let them know I wasnt even aware this was a balance left, & gap & insurance told me stop communicating with them because they were handling it. 
I ended up having to pull favors from friends to rally the money to pay them and begged them not to report me 60 days late. 


******I asked since I wasnt aware could it be removed from my credit for the delinquency - they were making or breaking me being able to move where I am supposed to near my ex husband- they wouldnt budge, wouldnt even discuss the idea. But how can I be penalized for something I thought was handled and then still gathered the funds to handle it anyways? 
I do not understand - ****all I want is the delinquency removed from my credit - Ive paid them, I just want the delinquency removed. I need my credit to be clear of that to be able to get my obligations on track, I have an amazing credit history - my only issue is high credit card balances because Im a broke single mom.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I signed into my Experian account and noticed there was an unidentified address on my account. I called Experian to report the identity theft/fraud on my credit report since their website does not give you this option to do so online. I was not given any information as to where this address came from besides the company name that reported it to them. I was told to contact this company, however they would not give me any information on this company to reach out to them directly. I was then told by Experian to XXXX this company for their address and phone number in order to contact them. Experian should not accept changes to my personal information from other creditors without first verifying with me and second being willing to provide me any information on these creditors. I requested the address be removed and a full credit report be sent out. I was still not given any information as to when this address was added to my report or how or why it was added. I was not given any contact info or background info as to where this address came from. I was not given any answers to if my information could have been linked to further fraud due to this.
Product: Credit card

on XX/XX/year>| received a call from XXXX at XX/XX/XXXX, I forwarded it to voicemail and they called me back twice so I answered the third time and they said it was my bank calling me due to some suspicious activity on my account. 
They asked me to look at some charges with me and then actually read off the most recent charges that were on my credit card with me and asked which ones were me and if I recognized any suspicious charges. They then said they already removed a wire transfer that was made to a " XXXX '' in XXXX FL and they need to move all my money to a new account. I said, " OKay, do you mind if I put you on hold. '' I called the number they called me on and it is the actual customer service line for Wellsfargo, so. I figured it was them and the fact that they were telling me charges I on my card. They then told me to transfer all the money from my credit card account to my checking and to wire it to this new account under XXXX XXXX. I did it because every time I tried to check by calling the number it went straight to wellsfargo and they made it sound like they were exactly my bank. After the second wire of money I just still had a bad feeling about it, they then asked me what was left in my checking, we also got disconnected and they called me back on XXXX and I thought that was weird because they should be able to see it? then I got a pop up on the app saying that banks do not ask you to wire money ever. I did not know this and so I hung up and it turned out to be scammers. My bank is working on getting this money back but I feel literally sick that they may force me to pay off my credit card now because they just updated that account to what I owe from this scamming. I feel that since they were obviously hacked into my bank account and using wells fargo phone numbers to contact me that I should not be responsible for this. I can't even afford to pay off that much debt right now. I need whatever help I can get please. The bank is refusing to comp any of these charges.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX The address and only address listed on my report Transunion Report and please contact them. 

XXXX XXXX XXXX XXXX, OH XXXX The account listed below and inquiries are illegal and needs to be removed asap. I am not identified what so ever with this nor any fraudulent accounts tied to my credit profile. I have been in the process of repairing and fixing my credit report and this is the last illegal account attached along with said inquiries. Please remove this last illegal account asap Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$150.00} Date Opened XX/XX/XXXX **Inquiries** XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 bureaus are reporting differently on the this particular account which I reported as FRAUD.I HAVE NEVER HAD A STUDENT LOAN WITH US DEPT OF ED/XXXX ACCT # XXXX {$16000.00} US DEPT OF ED/XXXX/XXXX  ACCT # XXXX {$5100.00} US DEPT OF ED/XXXX/XXXX  ACCT # XXXX {$3300.00} XXXX  IS REPORTING IT AS A CHARGE/OFF WITH LATE PAYMENTS EQUIFAX IS REPORTING IT AS ACTIVE ACCOUNT WITHOUT ANY ACTIVITY XXXX  FOUND THAT IT WAS FRAUDULENT AND DELETED THE ACCOUNT
Product: Credit reporting 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 


XXXX XXXX XXXX XXXX : {$11000.00}
Product: Money transfer, virtual currency, or money service

My Paypal account is XXXX Paypal sent me the email in XXXX but I still can't withdraw my money. 
" Status of your PayPal funds Your PayPal funds are now eligible for withdrawal. 

To withdraw funds from your account, please log in to PayPal. 

As a reminder, access to your account will remain limited until you perform the steps required to lift the limitation. 

While access to your account is limited, you may : * place logos into your auction listings or on your website * update your account information * withdraw funds from your account You may not : * send or request money * receive payments * add funds to your account * close your account Thank you for using PayPal. ''
Product: Credit reporting or other personal consumer reports

XXXX and XX/XX/year> I have disputed FDCPA violations that XXXX XXXX  has reported on my consumer report. The violations are 15 USC 1692c ( c ) Ceasing communication FDCPA 811 [ 15 USC 1692i ] 15USC 1692 ( g ) b. I have requested XXXX to cease and desist all communications and to correct inaccurate reporting. XXXXXXXX XXXX has stated Please be advised that we can not effect a change to how any other company may have listed the above account on your credit profile. It seems like XXXX system is stating that they have no part in reporting of this inaccurate account. I have attached their response to this compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # : XXXX is lost/stolen and the {$6900.00} is all fraudulent and unauthorized charges/transactions. The charges are not my charges. The charges are all fraudulent charges.
Product: Debt collection

On XX/XX/XXXX XXXX posted a collection on my credit report that they purchased from another collection agency ( ENHANCED RECOVERY CO L ), or they change name. Originally, I already filed a disputed back in XX/XX/XXXX. I stated that it was an identity theft. The collection was removed from my credit report. Now it shows up again with a different company. I called XXXX directly to tell them that a drug addict individual that I shared the house with, stole my identity. I opened an account for XXXX internet, and that was it. I didn't open any account with mobile service. The police department can't do anything unless I can get some form of identification from the individual. The guy got evicted couple of years ago when I will living at the old house. There is no way to track him down or known his where about. I didn't know about until last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

For about 2-3 years Ive received ads from TD Bank regarding HELOCs. I do not own a home. I have no idea where they got the idea that I own a home. I submitted a written request ( secure email via my XXXX ) on XXXX to opt out of solicitation. It took the company 4 days to respond to my request. A XXXX ( no other identifying information ) refused to help me via secure email. I had to call their 800 #. I waited on the phone over 20 minutes to speak with a most unpleasant representative. I have absolutely no faith that Ive been removed from their marketing lists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times and even mailed certified copies to Experian since dating back XX/XX/2021 up until now XX/XX/2021. The certified copies cost! XXXX each, not including gas money to get to and from there. I will be notifying Congress and the Attorney General Office about this matter also Experian Credit reporting agency continued to give out incomplete or inaccurate information after I requested corrections considering filing a lawsuit. I am handicapped not looking for a pity party, but I am tired of being treated and not being heard Because Experian is being biased toward me when I have submitted substantial evidence to this bureau either they are procrastinating or being slothful toward me! I am sick and tired of it. I can not sleep ; This matter has caused me XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), I may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after I discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. Depending on the violation, I might be able to win actual damages, statutory damages, punitive damages, court costs, and attorneys ' fees.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Late Payment XXXX XXXX XXXXXXXX Collection XXXX XXXX  XXXX XXXX Info Employers XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Employers : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company and asked that the information be verified and have not received any communication from them.
Product: Checking or savings account

On XX/XX/2018 I filed a dispute over the phone with Citibank. My account had a fraudulent transaction of {$920.00}. The representative informed me that within 10 days I would receive a provisional credit. I never received it. On the 10th day I called and they said to wait another 10 days for the credit to reflect on my account. Today is XX/XX/2018 and I still do not have my money. I called today and they told me I had to file another dispute and wait another 45 days. They are taking me as a joke. Every time I call they give me different answers. Nobody knows how to help me. Citibank is trying to stay with my money. I have bills and have not been able to get my children their gifts for XXXX.
Product: Debt collection

I had taken out a loan with them and had paid back what I borrowed plus some. I ended up defaulting due to family trouble and my income was not enough to cover all bills. They started calling me relentlessly. I had told them to stop. They have n't. This has gone on since  XXXX  of this y ear (   2017 ). They call multiple times a day ( up to 12 times ) from various phone numbers. They mask their number to local area codes and phone numbers that belong to regular people, as well as using phone   numbers and area codes that belong to areas and people all throughout the country.  <P/> Lately they 've taken to harassing my hus band ( a  prior reference ) and somehow they got the number for a good friend of mine and have been calling her too. My husband has also asked them to stop calling him. On average I rec eive 7 pho ne calls a day.  <P/> Most recently a "  XXXX   XXXX  '' has been calling multiple times a day from different phone numbers. He uses legal terms saying there is a " case '' against me and he wants to work with me to help " get it dismissed. '' His number is  XXXX , ext.  XXXX  I have attached a log of the many phone numbers I have received harassment calls from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint on ALLY AUTO twice they are repeatedly flagging my credit file with already reported information which is basically on record renewing a previously reported event Also I have a voluntary surrender on file and they are reporting me late as a new event I would think this safe to assume they want to ensure that my credit REMAINS tarnished
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX is a wrong account in my credit report that i dont recognise as mine ....
Product: Debt collection

Hunter Warfield has attempted to collect a debt utilizing illegal tactics. They were unable to verify this debt and had to have it removed from my credit. In response to this they decided to change the name of the company and re-report it as HWarfield instead. This is an illegal tactic as it should not be on my account due to the fact that it is not my account and unable to be verified. This is illegal and causing me great damage as I am attemting to purchase a home and this is stopping that process possibly leaving me and my family without a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on credit report with a collection agency that is reporting a recent open account accounts been close for over seven years and just got re-opened in XXXX
Product: Vehicle loan or lease

During XXXX after my military service I was trying to adjust and requested lower payments or forfeit the loan or sale and was denied any accommodations. They NEVER picked up the car and kept charging interest and other charges after I moved and left the state and they failed to communicate and assist with a resolution as I was in a financial strain it seemed easier for them to keep charging me and now they have sold the debt and not taking accountability as I worked hard to work the situation out even from another state for almost 1 year. This company isn't operating ethically this game almost seemed deliberate.
Product: Debt collection

I am writing to bring to your immediate attention a matter of utmost importance regarding my credit report. I recently obtained a copy of my credit report and was dismayed to discover the presence of a fraudulent account that has adversely affected my credit score. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXXXXXX I insist that you conduct a thorough investigation into this matter and promptly delete the fraudulent account from my credit report. Failure to take swift action will compel me to pursue legal remedies to rectify this situation, and I will not hesitate to involve regulatory authorities. 
I respectfully request that you begin your investigation into this matter promptly and keep me informed of any developments or actions that I should take to resolve this situation. 
Please communicate with me promptly to keep me informed about the progress of your investigation. If there are any additional documents or information needed from my end, kindly inform me so that I may provide them promptly.
Product: Credit reporting or other personal consumer reports

The CFPB recently found that Experian hasnt been properly investigating consumer disputes or considering all the information provided. I feel like my concerns havent been taken seriously, and I need this fixed immediately. Please investigate this thoroughly and update my credit report to remove the inaccurate information. 

I expect this matter to be resolved quickly, as required by law. Please send me confirmation of your investigation and let me know when this information has been corrected.