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

My account with XXXXXXXX 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 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. 

XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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.

This company 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have put FRAUD ALERT ion my credit report several years ago. 

There are INQUIRIES offering me credit that I DID NOT AUTHORIZE. 

Someone is going in and out of my credit report without my permission. 

PLEASE HAVE COMPANIES REMOVE SUCH ITEMS FOR I DID NOT HAVE ANY KNOWLEDGE OF SUCH NOR DID I GIVE ANY COMPANY PERMISSION TO RUN ANY CREDIT IN MY NAME. 

Please REMOVE BOGUS INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/15 {$490.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX   {$550.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX   {$300.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX   {$140.00} XXXX XXXX XXXX {$140.00} XXXX XXXX   {$3600.00} XXXX XXXX {$10000.00} XXXX XXXX {$1700.00} XXXX {$260.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was paid in full and was never late are Charge-off please removed this incorrect information from my credit report thank you. 

XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$750.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Ownership Individual Original Creditor - Company Sold-to
Product: Student loan

My last payment was in XX/XX/XXXX. I have struggling throughout the pandemic and am on the brink of homelessness. I called to see if I could pause payments for 6 months and get a forbearance to bring my account current ( XXXX past due ). After being transferred around to three different reps asking the same questions and also asking for private information not related to the loan. Ex. If I have any interviews scheduled. Sallie Mae rep stated the only option I had was to pay. I have no money. I am about to be living in my car. Sallie Mae then stated again I have to pay. I stated again I have {$0.00}. They said there were no other options. I asked them what would happen with this loan if I died, since my XXXX father cosigned- if they would come after him. The rep stated that the loan would be written off. I replied with " I guess there's not No Options then '' and hung up. 

Sallie Mae called the local police to go out to my home and harass my XXXX father and myself at XXXX at night under the guise of a " wellness check '' The police demanded entry to my home and grabbed the security door knob twice trying to enter. The officer said that " she called and said you told her you were going to kill yourself '' which is a blatant lie. Sallie Mae rep called and lied to the local pd. Who not only attempted to enter my home, harassed my XXXX father and had their hands on their guns the entire time. Luckily, I know my rights and they left without incident. 

They stated the phone call was recorded so there's a record with them. I didn't record it myself but will be recording everything from them going forward. 

Orginal loan amount : XXXX Original disbursement date : XXXX Repayment since XXXX Current balance : {$8500.00} 86 days past due Last payment received : XX/XX/XXXX Amount of last payment : {$370.00}
Product: Credit card or prepaid card

XXXX I opened a prepaid credit card and I paid {$200.00} I never received my credit card or statement. I called and they stated the card hasn't been activated and I owed late fees and it was being reported to my credit report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX
Product: Debt collection

They have put a collection on my credit file. The debt they say that I owe has been paid. The company asked me to sent them the copies of the money orders that I paid them with. I did send the money orders. I have repeatly spoke to them ; my sister as well spoke to them and told them that this bill was paid. They asked my sister to even fax then the money order receipts ; my sister did faxed. I do not owne them and they are trying to get me to pay double.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation, XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

Good day, there are inquiries on my credit report that I don't recognize nor have applied to, I did not authorize these nor given consent to the companies to pull up my credit report. It is stressing me and making me XXXX on why and how this happened.
Product: Checking or savings account

I have reached out 3 times to Chase Bank to make sure they knew I didnt authorize the money taken out of my account. On XX/XX/29 I told them that when I was on the phone with the Fraud department as the event was occurring. I told them that the fraudsters call me, said they were from Chase Bank and they were going to help me figure out why I am not getting my Fraud Alerts consistently. They told me they would send me 2 text alerts that show a fictitious fraud on my account. I was to say yes to the first text and no to the second text that way they could verify I received the fraud alerts. I did as requested for the first text and the next text never showed up. Red flags did not go off for me at this point as they text messages came on the same phone number as the regular text that Chase has used before when there were fraudulent purchase attempts. However, after I responded to the first text the money started dropping from my account. They reassured me they would put the money back that they were testing the account. I knew something was wrong and put them on hold while I call Chase bank and told them I was being robbed at that time. They fraudsters hung up when I put them on hold. I found out later that a card was taken out in my name and shipped to a building in XXXX, IL. I didnt approve that either nor did I get a text message informing me this was done. There were 4 XXXX purchases for each for XXXX this should have been enough to prove it was Fraud, but Chase bank said that the Fraudsters had the card and the pin to get the items. Chase said that I had to have given it to them.
Product: Credit reporting or other personal consumer reports

I disputed the above-listed accounts with Equifax, demanding an investigation into their accuracy. In response, Equifax simply stated the accounts were " verified '' but provided no evidence, method of verification, or supporting documentation. This failure to disclose their verification process violates FCRA regulations, denying me my legal right to an accurate credit report.
Product: Credit card

On the week of XXXX I was checking my email and spotted emails saying that I needed to check my credit report. 
I have an app to XXXX and XXXX XXXX XXXXXXXX. I opened XXXX and noticed that I had several inquiry notices plus delinquent notices. Some I knew about but the one that opened my eyes wide was a charge of {$2800.00} dollars coming from a XXXX issued by XXXX 's I guess a couple of years. The same I decided not to use. Perhaps I did once. 
I called the company and spoke to XXXX at about XXXX. Because I wasn't sure of the right date, I left on my notes the day open like this : XXXX XXXX. 
XXXX told me the charges were made on the same day on XXXX. She went on by informing me if I was making purchases at XXXX, XXXX, and XXXX XXXX, CA. I said NO. I was not even around on XXXX. I had left town because of my XXXX XXXX XXXX who has XXXX in XXXX and needed assistance all the time. The last time before XXXX, was in XXXX where I spent my birthday with my children. Then, I came down again to check on my mom. So, there is no way I had made those purchases. XXXX transfered me to the Fraud Investigation Department and before I was able to make my complaint, my call was hung. I called again and spoke with XXXX right after the call was hung up. XXXX went through each of the charges on that account again, all made on XXXX. ALL of them, I did not recognize for I was not in town. She also asked me if I had an authorized user and said NO. I never had any other person using my credit cards, not even my husband. She said one person named XXXX XXXX was noted as my authorized user. 
I was able to talk to Fraud Investigation Dept. and spoke with XXXX. She took my report and said it may be resolved in 60 days. 
After checking the rest of my entries in my credit report on XXXX, I noted a New Unconfirmed address made on XXXX to change my address to XXXX XXXX XXXX. XXXX, CA XXXX. I never lived in XXXX before. I made my change of address on XX/XX/year> to live with my daughter in XXXX XXXX from living at my brother 's in XXXX, California. So, please help me fix my credit report, my credibility and my SCORE that went down from XXXX to XXXX something. I just can't believe that when I tried to open a XXXX Credit Card I was denied. And I accepted to try because people there are so ardous at convincing customers to apply. They say it will be only 5 minutes.

Thank you so much in advance for all you will do to send me back to my previous Credit Record. Thank you.

PS : If you need more info or Credit Card numbers, please do not hesitate to contact me by email. Thanks again.
Product: Vehicle loan or lease

I received {$80.00} because of a program was sold to me illegally. Not sure if Im entitled to more money or no?
Product: Debt collection

I have no idea who they are, why they are calling or anything about any debt I owe. I have already filed a complaint about this at which time they claimed to be validating the debt. To date I have not seen one peace of proof that I owe anything, who I owe it to or why they are sending repeated robocalls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several disputes over and over again and every time I do they drop my XXXX XXXX and make it worse
Product: Debt collection

XXXX XXXX XXXX is garnishing my wages in the amount of {$4300.00} for a debt that is not validated. I submitted a request for debt validation on XX/XX/2024 per XXXX XXXX XXXX g and still my wages are being garnished even though this debt is in dispute. I sent XXXX XXXX, the president of XXXX XXXX, via certified mail, XXXX search results and certificate which state that I am not a debtor. There has been no validation of debt and there is no proof of any contractural agreement between myself and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Barclays sent me a letter through the CFPB in response to a complaint about denial of credit. Barclays claims that a credit card account I opened in XXXX has an adverse reaction attached to it : " I confirmed with our Collection team that your US Airways/AAdvantage Aviator Red World Mastercard was part of a XXXX XXXX Bankruptcy filed on XX/XX/XXXX. '' The letter invited me to contact " XXXX '' through a phone number provided. 

I called " XXXX '' on XXXX XXXX and left a message. I called again on XXXX XXXX and left another message. No one ever answers the phone directly. The voicemail states that they will return the call within " 48 business hours. '' " XXXX '' called me and left a message on XXXX XXXX. I called her back on XXXX XXXX and left another message. I have not heard from " XXXX '' or anyone else at Barclays since then. 

My complaint is this : Barclays has erroneous information attached to my account information in their files. I have never had a bankruptcy of any kind. It is curious to me that they claim that I have, when none of my credit reports show ANY adverse reports, let alone a bankruptcy. 

Barclays clearly isn't interested in responding to consumer inquiries or providing a mechanism for correcting information in their files. They only accept voice mails, and then many days pass before returning a call, if at all. They have never provided details of the bankruptcy they claim, such as where it was filed and so forth. They do not seem to be interested in the least in working with me to correct their information, or short of that even speaking with me about the situation. 

Though this information is incorrect, and obviously so, that it is in their files concerns me that the error may spread to other databases if it is not corrected now. I'm disappointed in Barclays ' lack of customer service and the run-around they give by providing a phone number that no one ever answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Checking or savings account

I use Bank of Americas alert system ( email and mobile app notifications ) for when my acct balance drops below {$25.00}. The alert system is advertised as being a way to protect against overdrawing your acct. I have used this system for maybe 2 years. When I recieve an alert ( email ), I correct low balance/ negative balance before debits are cleared so I do not receive an overdraft fee. Yesterday ( XX/XX/2020 ) three transactions hit my acct and dropped my balance below {$0.00}. However, for some reason the alert system did not work and I received no email. The following day, at XXXX, after the transactions have cleared, I am emailed notification that I have been charged 3 overdraft fees because those transactions have posted. When I called and asked why I didnt get an alert, I was told that alerts are not guaranteed. This seems like they are really misrepresenting the quality of their alert system because it failed to alert me to prevent the negative balance from clearing. I would have corrected the issue if I had revived the alert, I had funds available in a connected savings acct, and I have done this many times in the past when I have received such alerts. They refused to reverse 2 of the 3 overdraft fees even though I explained, and they confirmed, I was not emailed the normal alert.
Product: Debt collection

I honestly dont remember the debt. I went ahead and told them that but also took responsibility to clear my name. I ended making a one full payment for the collection and they assured me they were gon na remove the collection from my report. It has been its been 45 days since they day I paid it off and it still shows on my XXXX report. I never received a payment confirmation letter or anything other than a confirmation payment. That was told to me over the phone they said I was going to get a letter and they were going to take that out of my credit. I called them again and they told me now that they dont remove collections that is going to show as paid collection, when I was told otherwise to convince me to pay it off. I dont even have my full account number. I just know the original creditor is SPEEDY CASH and the collection was paid to XXXX XXXX XXXX. My name is XXXX XXXX  XXXX XXXX and my social security is XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XX/XX/XXXX
Product: Checking or savings account

On XX/XX/22 I attempted to access the funds that were deposited to my account in the amount of {$1800.00}. I was unable to access my funds and contacted the bank. They informed me my account was being closed and I would not be allowed access to any of my funds. 

I was provided no advanced notice and was not contacted in advance that my account would be closed. In my attempts to get more information no one was able to provide me with any details other than the bank would not allow me to access my funds.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX tx XXXX Subject : Formal Dispute Regarding Inaccurate Information On My Credit Report Dear [ XXXX ] I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being.I am aware of my rights under the fair credit reporting act and request a thorough investigation into the inaccuracies, as required by federal law. Rencently, the consumer financial protection bureau filed a lawsuit against experian for its failure to properly invesigate consumer disputes, citing " sham investigations ' and other unlawful practices.These practices, as outlined by the CFPB, include conducting inadequate investigations that fail to address consumer disputes properly reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigations results effectively .These allegations highlight systemic ifssues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports.I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX for web profile there is a cloned account denying use of consumer credit file on web domain. The cloned account name is XXXX XXXX XXXX which is an improper format of legal name. The credit file has not been used as of the day of this complaint. The cloned account is of account services debit account clone than issued by computer error from social XXXX to XXXX and used by illiterate US consumer. A cloned debit account credit profile is blocking a US consumer credit account. Personal info is exposed on web site. Web site for member is not available to US CONSUMER. a cloned web page appears before passing grade web site.