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

I filed a complaint against experian. They sent an email saying that I need to upload information to the website. However the website won't allow me to upload and I need to call and when I call I am jot allowed to speak to an agent. I found a secondary phone number gor experian and was also able to get transfered to an agent. I need to speak to someone in order to submit my documents for fraud, which experian is not allowing me to do. They also have my name incorrectly on my credit report and I am not allowed to change it as inaccurate. Experian is now reporting more collections on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account Number : XXXX from Apple card has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Constantly lied and said they never received my FTC report after submitted it four times in the CFPB PORTAL. They have violated 15 U.S. CODE 1681c-2 blocking access Deletion of these fraudulent accounts. I gave consent to my consumer law attorney to represent me over the phone. They hung up in my face 10 times per me waiting on there long phone call to answer the call. They have told me Even if the creditor verified we are not removing account which is recorded!! XXXX XXXX is my consumer law attorney. That will present me from here on out. On calls with my consent. They have been noncompliance under 15 U.S.C code 1681n Civil liability for willingness for non-compliance. Violated. My legal team have all the documentations we need to sue for a compensation of a {$5.00} XXXX for damages, willingness for non-compliance. Plus 20 other violations. They are holding these fraudulent accounts under my name after I & XXXX my attorney already have reached out to the creditors. They have reported a different name thats not matching my credit report. ALL 3 MAJOR CREDIT BUREAUS NOTICE TO PRINCIPAL NOTICE TO AGENT 15 U.S.C CODE 1681n suing for multiple damages violated the compensation for damages, including actual damages, statutory damages, and punitive damages.

PLEASE COMFIRM YOU HAVE GOT THE FTC REPORT I SENT IT 4 TIME THS TIME!!!
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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


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

I reported fraud with identitytheft.gov. I have not used my social security number to open any accounts. I went on my credit report because I was denied an auto loan but was confused on why I got denied because I shouldn't have anything on my credit. I looked up my credit report and I seen XXXX accounts that I never knew about or authorized. 

I have a apple card account that was not made or authorized by me. It was opened XX/XX/XXXX and it is a total of {$210.00} dollars. Also it is a XXXX XXXX XXXX  account that was not made or authorized by me. It was opened XX/XX/XXXX and is a total of {$510.00} dollars. Lastly it is a XXXX XXXX XXXX account that was not made or authorized by me. It was opened XX/XX/XXXX and is a total of {$910.00} dollars.
Product: Credit card

I am XXXX XXXX  that was only able to use one credit card processing company. Open edge was the processing company purchased and taken over by global payments integrated and upon year end review i found that in small print on the back of my statements was raises in fees after 6 fair years of treatment changing final cost of processing credit cards from under 3 % to a total with all added extra fees to go to 10 % on over {$900000.00} in processed fees to debit a additional {$65000.00} in fees from my business checking account. 
Merchant id # XXXX with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX office. XXXX cell XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Ut XXXX
Product: Credit card or prepaid card

I bought 3 airline tickets back in XXXX unaware of the covid pandemic situation that was about to happen. The airline canceled my trip from XXXX to XXXX and the coming back. XXXX XXXX, XXXX, XXXX are not responding fairly during this crisis and are tryong to keep my money. My credit card is about to quite fighting this charges with them but I dont think is fair to pay for a flight that they actually cancelled because of the situation and by presidential orders. The companies are not responding and doesnt admit that they must return the money. My credit card Capital One partially refunded but now am getting everything re-billed, which I wont pay since is not fair to pay for a service that they ( XXXX, XXXX XXXX ) cancelled. Aside from that, XXXX XXXX XXXX  fail to send me an e mail saying that the trip was cancelled and they are still charging their fees for a reservation that didnt happened. I could have fly from XXXX XXXX to XXXX and have gotten stocked in XXXX airport. I had the fortune that my sister got the same ticket with XXXX and they did provide her the info and refund of money fairly. 
Please help me get back my money. I dont want to loose my good credit but dont want to give up my money.. almost 2000 dlls in something that did not happened. 
XXXX XXXX XXXX
Product: Debt collection

Someone has committed Fraud with my bank account at XXXX XXXX XXXX and has to change my account 3 times. In doing so, I have had my personal information stolen. This started in XX/XX/XXXX, XX/XX/XXXX, Then in XXXX of XXXX. My personal information was used to acquire and credit card with Capital one for XXXX. Now XXXX XXXX XXXX has taken this account over and now the total is XXXX. Now I Iive on XXXX and made XXXX in XXXX. Now i live on XXXX a month. I have called capital one explaining to them that this was not done by me. XXXX XXXX XXXX has now filled papers to collect on this debit. During covid, i could not file a police report on this matter. I called the credit bureaus and filed this claim to them and had it removed from my credit report. I had to put freezes on my reports along with Fraud alert on them. I don't know what to do from here outside of what i already have done. XXXX told me to file this report with this agency. I hope this can be resolved.
Product: Mortgage

I have been undergoing loss mitigation and was set up on a trial plan. I was to make XXXX payments under this plan on XXXX XX/XX/2022, XXXX XX/XX/2022, and XXXX XX/XX/2022. When I attempted to make my payment for XXXX, I was told I could not make the payment, becasue the trial plan agreement had been broken, because I made the XXXX Payment on XXXX XX/XX/2022. I am being penalized for paying early.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX    , my  XXXX   XXXX  lease was transferred over to someone else. I received all the letters from  XXXX  saying that the process has been finished. After numerous times talking with   XXXX    they agreed to remove the account from my credit report, it has been removed from my   XXXX   credit report but it still shows as open with Transunion, i have not been able to force transunion to remove it because  XXXX  simply does n't respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX, i found some wrong details on my credit report. I immedaitely wrote to the credit bureaus to correct and have these items removed or upodated but until today, XX/XX/XXXX, these very same items are still on my account. It seems the credit bureaus have done nothing to address my request. 

I am writing to have the following items removed : XXXX : " XXXX XXXX XXXX '' Experian : " XXXX XXXX XXXX '' XXXX XXXX XXXX I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( 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. 
15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater; Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting XXXX  account # XXXX has violated my rights. 
15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 states consumer reporting agency can not furnish a account without my written instructions 15 USC 1668B A creditor may not treat a payment on a account under an open end consumers credit plan as late for and purpose
Product: Debt collection

I have made four separate attempts to resolve a two-fold issue with Mohela over the last two weeks. First, my student loan account was transitioned to a new platform and access to the previous payment platform was immediately restricted. During this period, Mohela continued to accrue interest on the student loan, which is not only unethical but also unlawful. Second, I have requested detailed payment history from Mohela because the transitioned amount does not reflect all 2024 payments. To date, Mohela refuses to provide this information.
Product: Credit reporting or other personal consumer reports

I just received my new credit report for XXXX and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I requested copies of my experian rent grow report and my TransUnion smart solutions report about 2 properties I applied too. I disputed with both companies about te inaccuracies of my reports. I spoke with an agent with both companies. Starting with XXXX smart move the agent stated upon her investigation the items on the report could not be deleted. No investigation was done and tat violates my rights under the FCRA and my housing rights. These companies are biased and gather. Information from other sources without validating the information. Both TransUnion smart move and experian rent bureau violated my right under usc.1681c ( b ). Again they both failed to ensure the accuracy of my information and this is not in compliance of the FCRA. I am requesting that all information contained in these reports to be deleted immediately. TransUnion Rental Screening and XXXX XXXX XXXX have violated my rights as a consumer and is making profit off of my name without my consent.
Product: Debt collection

On XX/XX/XXXX I cancelled my XXXX XXXX cable and internet account due to some issues with my service and having a better response from their competitor XXXX. ( See attached bill from XXXX to confirm my subscription start date ). 
I had to call XXXX  to cancel my subscription, at this time there was no way to cancel online or via email, so you call customer service, get placed on hold multiple times and have to listen to sales pitch about bundling and savings etc... I stated did not want, and thought everything was closed out from there. I have been a customer of XXXX since then, and am in good standing with no late payments, and have transferred my services through multiple moves. 

I was unaware that I had a collection from XXXX  until fall of XXXX when I was in the processes of closing on my mortgage. In the time from when I was approved to when I was closing a TSI ( transworld systems ) collection showed up on my credit report. My mortgage lender was the one to notify me that this collection would increase my mortgage payment by {$1000.00} per month and that it would be in my best interest to work with TSI to ask them to arrange a payment in exchange for deletion. There were multiple phone calls made, and at this critical time I didn't care, {$200.00} was nothing in the grand scheme of buying a home, I needed it gone, I had no time to ask for details or investigate with only 4 days to close. Well, I did not succeed, my loan hiked up an astronomical {$12000.00} more a year due to a new flaw in my report. I have been spending the better part of the year working with credit repair specialists trying to have this wiped from my report. I had no luck working with TSI, they have told me numerous times to reach out to XXXX, but when I reach out to XXXX, they don't have any pull as I have not been a customer for 7 years and don't have an account, that I should communicate with the company that owns the collection account. 
At this point I wish I had disputed the original charges, it could have been that XXXX did not deactivate upon my verbal request, it could have been a new tenant used my account or that they cancelled the wrong account and charged me for another. I'm not really sure at this point where I can work to report this fraud when both parties point me to the other. 
In addition, the original collection is coming up on 7 years, however my mortgage lender has informed me that they look at the year the collector reported the account, so in actuality I would have to wait another 7 years regardless of original date for this collection to be removed on its own. I regret to this day purchasing a home not knowing that this would be impacting me so deeply all these months later. 

I'm attaching a copy of my first XXXX billing statement as well as two other subsequent bills to show I have used their services at my last two addresses and should not have any delinquent accounts with XXXX XXXX during this time ( XX/XX/XXXX to XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX  XXXX Balance : {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax, I was one of millions of consumers affected by the recent data security breach. My social security number ( in addition to other sensitive information ) was accessed by an unauthorized third party due to the insufficient security measures in place over their electronic systems. I am now at much greater risk for identify theft. I 've placed a fraud alert with the credit bureaus. Equifax has offered free credit protection for a year, but only if I waive rights to participate in any class-action lawsuit. 

Regardless, now that my information has been leaked, I will always be at greater risk for identity theft. I can only take measures to mitigate this already growing risk of identity theft at my own personal cost.
Product: Credit reporting or other personal consumer reports

I would like to implement section 15 USC 1681!

My information has been leaked in a data breach and I am requesting that any and all information pertaining to my credit be removed with in XXXX business days! Thank you!
Product: Credit reporting or other personal consumer reports

Personal information such as address XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are inaccurate. The only address on file should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No other names should be reported other than XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are still reporting a bankruptcy that does not belong to me. XXXX has removed the inaccuracies and I sent a letters for both XXXX and Experian to follow suit. I also was told that it was verified with the court in which the bankruptcy was filed. I reached out to the court in XXXX sc and Got a written letter that they dont verify such items and the letters I was sent from both XXXX and Experian said it was verified through the courts. Now there is a big discrepancy.
Product: Checking or savings account

On the dates XX/XX/2023 and XX/XX/2023, XXXX transactions totaling in {$1200.00} were deducted from my savings account with the description XXXX XXXX XXXX XXXX. Once aware on XX/XX/2023, I filed a dispute. The investigation was found to be invalid due to my authorizing the transactions. When contacted, the financial institution was unable to provide evidence of my authorization. We proceeded to reopen the case. I also contacted XXXX to look into information about the transactions and was unable to get further information.
Product: Debt collection

IN 2013 I wasn't working and had no means of paying my debt. I could not make payments and CITIBANK refused to work with me. They said I had to pay the minimum. At this time I also had other debt that I was falling behind in. Therefore CITIBANK sold my information to XXXX XXXX XXXX.XXXX who in turn hired attorneys to take me to court XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX UNITED STATES US. I did not receive a Certified Letter to let me know what was happening as they claim. Also CITIBANK refused to work with me. I could not afford the minimum and they offered no resolution, I was in dire straits. I'm XXXX years old and am still paying for debt that I had back then. I've worked hard to clean up my debt and this CITIBANK DEBT was from XXXX until it was sold to XXXX XXXX.XXXX  who again sending me amounts of payments which I could never afford. They destroyed what credit I have worked to improve and with my not having more years to work and will retire with nothing but Social Security as my main income, I am besides myself that now I am being sued by their attorneys.As I said there isn't a record of phone conversation to CitiBank with me imploring them to be patient with me. There wasn't anything except monthly bills and a collection agency XXXX XXXX.XXXX and now a law suit threatening me that they are bringing me to court and have a judgement against me for the amount of XXXX.I hope that the XXXX XXXX XXXX by CITIBANK be investigated along with XXXX XXXX.XXXX and a reminder to XXXX XXXX ATTORNEY I did not receive a certified letter. The Lawsuit was lying on the cement step of a front step which i hardly noticed. No signature required of accepting, just a flat envelope on an entrance I never use.
Product: Debt collection

Constantly calling my job and my home using threatening and harassing language. They are usining a prerecorded machine to robocall me over and over even after I demanded them to stop. I have no contact with this company and do not know why they are continuously calling and harassing me at home and at my job. I informed them that my job strictly do not approve of harassing calls and that I could loose my job. They keep calling. I am sending a cease and desist letter to them. I am filing a harassing phone call report with the police depazif the call me again on this XXXX day of XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

i plead with you to please reconsider your decision, if you cant temporary suppress or remove it ... then can you at least guarantee ; that if i find a way to pay this account in full before hand that you'll remove or suppress the trade-line from the 4 CRAs you report to.. its not like your guys havent already wrote this debt off for tax purposes. we have to come to some sort of arrangement. i honesty dont care how long it takes, i will continue to dispute this matter until XX/XX/2023 if thats what it takes.. the car has already been repoed and sold.. please i know theres somebody on the other side of this message who can work with me.. Again please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. and again I believe it serves both of our interests. You want my money, and I want to give it to you so I can fix my credit and help my mom out. Please. Your kind consideration in this matter is greatly appreciated. 
Best Regards XXXX XXXX XXXX