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

My account with EQUIFAX EQUIFAX 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 ( 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. 


EQUIFAX EQUIFAX 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 r

ule 1002 and It was never provided. This is unfair, illegal, fraudulent, an
d 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

I have found that there are multiple abuses on the inquiry sections of my credit report knocking down my score from XXXX XXXX XXXX to XXXX! XXXX XXXX went into my report on XX/XX/XXXX again on XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX again XX/XX/XXXX. XXXX XXXX XX/XX/XXXX again on XX/XX/XXXX. This is abuse I think they are trying to keep me from buying a house in the area. I was told I don't have a credit score, which is a lie. XXXX XXXX gave me three fico scores in XX/XX/XXXX. XXXX XXXX, Equifax XXXX and XXXX  XXXX. I received these scores over the phone from XXXX. I lost the house that I was interested in buying over this playing around with my score. I want my points back. This was a great disservice and even though I have a 40 year credit history through XXXX XXXX XXXX it doesn't appear on my report. So I started over again with XXXX and I have a XXXX XXXX Credit Card 4 months ago. My score was just updated to XXXX XXXX XXXX, Equifax XXXX had this abuse not happened I would be well into the mid XXXX 's, since I have no derogatory marks against my credit or late payments.
Product: Credit card

. See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

What Compliant? 
CoreLogic RunDate XX/XX/XXXX What type of Problem? 
XXXX XXXX Test Account XXXX, VA XXXX What Happened? 
Fraud Court Record Judgement on File* ( XXXX ) XXXX File Date is ( XXXX ) or more Years Old without Removal* XXXX What Company? 
CoreLogic_XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Who is Involved? 
CoreLogic XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Denotes Identity Theft in the Collecting and Selling of Information for the use in Credit Determination as well as ' Unfair or Deceptive Business Practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX  XXXX XXXX XXXX # XXXX is reporting an account to my credit that is past the Statute of Limitations in Utah . I no longer legally owe this debt and I need it removed off of my credit report.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have constantly flagged the same accounts multiple times to the credit reporting agency as collections which continues to drive down my score. It makes it seems as though it is a new report, but its just the same one.These are improper tactics they are using.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 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

On XX/XX/XXXX XXXX XXXX XXXX initiated a hard inquiry on my XXXX credit report. I never applied for any account with this bank nor do I have any existing relationship with them in any way. I contacted the bank on XX/XX/XXXX and reported a fraudulent access into my credit report. The bank agreed that the information provided on an application does not match my correct information and that they will investigate it further and remove the inquiry from my credit report within a maximum time of 30 days. 
The 30 have passed and the inquiry is still showing on my credit report.
Product: Credit card or prepaid card

XXXX, XXXX  I had a balance of {$780.00} due on my Macy 's credit card. I initiated a balance transfer from my XXXX XXXX with XXXX XXXX  of {$780.00} to pay off the Macy 's card. In XXXX I noticed there was no action taken so I called them for an explanation. On XX/XX/2022 they sent a letter stating that they sent a check, no. XXXX dated XX/XX/2022 for {$780.00} to the payee and the transaction was completed. So the account was put in dispute and after numerous phone calls, etc. Macy 's turned it over to the XXXX XXXX XXXX and they assured me the account was froze and no more additional fees would be charged. As of today, I have not received an answer on this and they keep sending me updated bills adding that fee. When I phoned XXXX to check the status, they couldn't tell me anything but that it was closed. Yet I got a note from my bank that they have flagged this and it could go on my credit report. I am so upset and have spent so much time on this. When I called XXXX today, they just disconnected me, like they didn't have an answer. I am begging you to please help me with this. That check was applied somewhere and no one knows. At one point they had my wrong birthdate and not sure that could have affected things. Please help me with this. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple fraudulent credit inquiries using my name and social security number were made to different banks including XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX. They were made in XXXX and XX/XX/2022. I have contacted Experian to have these credit inquiries removed.
Product: Debt collection

ONLINE INFORMATION SERV HAS AN ACCOUNT THAT IS NOT MINE. THAT ARE TRYING TO COLLECT ON A DEBT NOT OWED TO THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account HARRIS & HARRIS, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written consent. 

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 purpose.
Product: Debt collection

On Tuesday XX/XX/XXXX I received the first phone message from Trans World Systems Inc., ( these are calls to my home number, that I do not answer, allowing calls to go to voicemail. ). The message was from XXXX XXXX at XXXX. I returned the call, XXXX XXXX was not available, they asked for my phone number and was told that I do not have an account with them. They must have dialed the wrong number. After receiving a call on XX/XX/XXXX I spoke with XXXX XXXX XXXX explaining that this is not my debt, please do not call again. I was told that my number would be removed. On Wednesday XX/XX/XXXX. I was called twice at XXXX XXXX and XXXX. I returned the call, explained previous conversations, and was told they were calling for a XXXX XXXX. I again said that there was no XXXX XXXX living here and to please remove my number. This same conversation was repeated again on Thursday XX/XX/XXXX.at XXXX XXXX, Saturday XX/XX/XXXX. at XXXX XXXX., Sunday XX/XX/XXXX. at XXXX XXXX., Monday XX/XX/XXXX.at XXXX XXXX. On Monday XX/XX/XXXX at XXXX XXXX.I again asked to have my number removed from their calling list. I was then given the names of two other people on their call list. I repeated to please remove my number and also asked for an alternate number to call if I received more calls.I then called XXXX at XXXX XXXX. and was assured that my number would be removed and I would not receive any more calls after 24 hours. Tuesday XX/XX/XXXX I received a message to call them giving me a ID code number of XXXX.Again calling on Wednesday XX/XX/XXXX. at XXXX XXXX. and this morning at about XXXX XXXX, I just deleted the message without bothering to return the call. At XXXX XXXX.I received another message .Every time that I call them and ask to speak to XXXX XXXX XXXX which is who I am supposed to talk to, they say he is unavailable. I explain that perhaps XXXX XXXX is not getting the message that he needs to stop calling me. I am not returning their calls, it is pointless to keep going through the same song and dance on a daily, sometimes several times daily with them. This is total harassment considering that we have had this same conversation so many times and have repeatedly requested they remove my number and stop calling me. Trans World Systems Inc. 
XXXX. XXXX XXXX XXXX DE XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Credit Corp Solutions & XXXX XXXX are violating federal law and making excuses as to why they are doing so. 2 companies can not collect for the same debt. That is impossible. Both companies responded and provided the same billing statement for a national bank known as XXXXXXXX XXXX  which is insured under FDIC and does not incur any losses due to this insurance. What happened was fraud and these 2 companies continue their illegal acts by attempting to force me to pay them money they are not entitled too. I have a right to freely contract if I chose too and I dont want to do any business with these debt collector furthermore they have no authority to force me to pay this debt because they are not authorized to collect because they are not listed on any of the banks incorporation documents or bylaws as an interested party in their business practices. I have previously disputed these debts with the companies and they forwarded long statements with billing statements but no evidence from their company with their letterhead to indict I have a lawful obligation under color of law. Their policies and procedures do not override federal law and their claims will not withhold in a court of law. I now demand they cease all collection activities return this contract to the rightful owner so they can pursue further action if they choose necessary.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I couldn't apply for any loans because of these negative items on my report which should not be there and and it's stopping me to get a better place for my family.
Product: Credit reporting or other personal consumer reports

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the XXXX : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This XXXX encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This XXXX encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. XXXX Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor XXXX encompass emails, letters, or notes. XXXX Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. XXXX XXXX : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This XXXX involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, and someone has used my information fraudulently and at this current moment, I do not have any information on who is using it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, just stating for the record that I am a NATURAL PERSON and a CONSUMER that is filing this complaint. Please do not close this complaint stating that this is not me. I am writing this because, I sent TransUnion letters disputing the validity of the inaccurate/fraudulent information that they have on my credit report. I reached out to this company about this and they still did not respond. I also didn't authorize any furnisher to report anything on my report. I will definitely be seeking litigation if this can not be corrected, because this is false and fraudulent information. I would also like for this company to show how they validated these account according to 15USC 1681 ( 2 ) A & B. Thank you for looking into this and please give me an update when you can.
Product: Credit card or prepaid card

I have not used this card since XX/XX/XXXXbut charges keep popping up. I mean THOUSANDS of dollars. I made a huge payment on XX/XX/XXXX and then the fraud started on XX/XX/XXXX. I have disputed all of them! The ones that happened in late XXXX and early XXXX were credited to my account and they stated they would stop the card and send me a new one. I never received it, and I notified them. And guess what, MORE charges appeared. I have disputed them. Now they are telling me that they are all my fought since the card is in my name. WHAT!?! Can you please help with this? All I want to do is have the fraud charges credited to my account and the finance charges corrected. I just want to be done with this company!!!
Product: Credit reporting

I have XXXX loans from XX/XX/XXXX that were transferred for refinance XX/XX/XXXX which are showing on my credit reports as each having XXXX missed payments, which never happened. I contacted the original lender XXXX XXXX XXXX XXXX, which was XXXX XXXX now XXXX and they stated they are not reporting. I would like these removed from my all XXXX credit reporting bureaus as this is both inaccurate and over 10 years old.
Product: Checking or savings account

I sold my car to XXXX for XXXX $ I didnt have a checking account at the time so I just deposit it in my girlfriends account there was a hold for 7 days then they released the funds the same day they closed the account I already walked in the branch ( Chase ) and they verified my identity in person but when they call which they have to its there policy to verify my number they say they cant verify that number I already connected 3 phones and each number its the same thing
Product: Credit card or prepaid card

On XX/XX/22 I closed unfunded account ending in XXXX with phone rep XXXX because I NEVER received physical card to accurate address on file. I was originally issued a digital card which was never funded, balance XXXX. After closure call I received a confirmation email stating company closed me! Clearly company is upset I never loaded card because they never sent physical card. Today XX/XX/22 I received email encouraging me to load direct deposit funds, so I'm good enough to load funds, just not to use. 
My closure request is effective on XX/XX/22. This company 's fraudulent intent is clear.
Product: Credit reporting or other personal consumer reports

ACCOUNT CLOSED AND REMOVED BACK IN XXXX, showing that account is OPEN? I have no knowledge about this account, contacted company and disputed it
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 On my XXXX XXXX account, my Transunion report was decreased by 13 points for a new credit inquiry. Unlike XX/XX/XXXXand XX/XX/XXXX Tranunion excessively decreased my score by 13 points. This is an over reach and is uncalled for. Please up date.