23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

nothing has been resolved XXXX. This is OBVIOUS. I continue to get there blundering XXXX, long holds, hang ups today!!!! I have been playing phone tag all morning. FINALLYone of there incompetent answers the phone number they toldmeto call XXXX. This XXXX takes my information, tells me to wait, then 20 minutes later. Imbecile hangs up the phone!!!! NOBODY competent let alone intelligent enough to correct there blundering XXXX they SELF-CREATED ajoint account with my wifes information ILLEGALLY in my account. IS that clear or NOT clear?! # I told this last week. WHY would I continue to insult my intelligence with these phony SPECIOUS phone numbers. NOBODY answers. Generic robot generated calls to deceive you to hit another number for more XXXX. SIMPLE, I want my wifes information OUT of my credit report. TODAY, I want a copy ofmy credit file today. THESE XXXX have blocked me from creating a generic security account at XXXX?! # Run around NOTHING has been resolved!!!! EVEN more outrageous, XXXX website doesNOT recognize me. There blunders toldme they were going to mail me a report number for the correct and/or secure website using the report number. I NEVER received. That was 10 days ago!!!! NOTHING has been investigated, NOTHING has been corrected sloppy inaccurate information is still there. Wrong phone number, MY wifes personal information in MY account. DELETE NOW!!! Plus, your password reset link does NOT work!!!!
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule XXXX 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, credit repair services, or other personal consumer reports

I plan to get married soon, and a friend of mine helped me pull my credit report. And I swear the are collections listed that i have no clue about. Please assist me in removing this items from my report, so I can move on in life in a positive way. 

XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint myself. no one else is helping me this complaint is made by XXXX XXXX the actual human person. I noticed some accounts on my credit report that i never signed up for and so i need the identity theft removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed dispute Equifax refuses to provide me with my results - customer service gives out wrong phone number, refuses to help. Refuses login information, claims the identifying information I'm providing is wrong when I know precisely it is not.
Product: Credit reporting or other personal consumer reports

I feel that someone is using my identity. There is a social security number on my credit file that does not belong to me. My social security number ends in XXXX. I have listed the accounts that does not belong to me below. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below.

I demand that the following accounts be validated or DELETED immediately. 

ACCOUNT ACCOUNT # ___________________ACCOUNT BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. SOCIAL SECURITY NUMBER ENDING IN XXXX THIS IS MY SOCIAL SECURITY NUMBER.
Product: Credit reporting or other personal consumer reports

i am submitting a complaint about XXXX, transunion, and XXXX. these credit agencies are improperly reporting information on my credit report. here is a list of accounts that are improperly listed on my account... 
XXXX XXXX balance {$6400.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX balance {$4900.00} opened XX/XX/XXXX XXXX XXXX  balance {$23000.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX  balance {$150000.00} opened XX/XX/XXXX 15 usc 1681b states that you need written permission by me before you can add anything to my report. i never gave permission for this account to be on my report.. PL 90-321 ( 82 stat 146 ) is a law that backs the code and is even stricter than 15 usc =1681b.. 
you are also not allowed to add information that contains transactions.. 
15 USC 1681e also was created to provide more accuracy to these reports and they are violating this code as well. 
they failed to comply the first dispute so i am entitled to {$1000.00} per violation... i have about 10 items that are inaccurate so {$10000.00} seems fair to me for them ignoring my complaint and being willfully non compliant. every company agrees to this law before operating and are clearly breaking the law by not following it. 
they are also violating the Privacy act of 1974 i also never received a privacy notice before they furnished any info to my consumer credit report... 
i was also never provided with an opt out option ... 12 CFR 1016.7 confirms that there needs to be an opt out option.

15 USC 6802 b states you must give me an opt out notice before anything is added to my report..
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I used my XXXX XXXX XXXX XXXX debit card and made an online payment to PayPal for {$800.00}. 
The {$800.00} was deducted from my bank, XXXX, on XX/XX/XXXX but it was never found by PayPal. 

I have contacted PayPal and my bank numerous times to resolve this issue. First, PayPal said I needed to have a letter from my bank highlighting the transaction information. I faxed in a letter and the transaction details to PayPal. It was indicated on the bank transaction that my money had gone to PayPal BML ( bill me later ) which is PayPal credit. 

PayPal was not satisfied with my fax and told me they wanted a front and back copy of my check from the bank so they could find my transaction. I explained again and again that I could not obtain a front and back copy because I did not write a check. I used my debit card. My bank then provided me with 4 pages of numbers and account information that they provide to consumers who are challenging a claim. It was the most thorough information they could provide. 
I have since called PayPal twice and they said they still haven't received this new fax and they are undergoing a system maintenance currently and I would have to call back. At this point I am feeling very helpless. I desperately need this money to pay my bills.
Product: Credit reporting or other personal consumer reports

I see numerous of inquiries on my credit profile that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I viewed my XXXX credit report during the week of XX/XX/XXXX, and found negative derogatory marks that had I had late on payment since XXXX of XXXX. On XX/XX/XXXX, I called TD Bank to inquire about the late payments because I was not informed of the payment. XXXX XXXX XXXX, my ex-partner, communicated to me that he was informed by more than one representative on multiple instances that an account did not exist under his social security number or name nor my social security number or name ( XXXX XXXX ). I found this to be true when I called the same number ( XXXX ) XXXX ) that was given to me and the same instance happened. I gave my social security number several times to 2 representatives before the account could be located. It took over 1 hour to locate the account. When I explained stating, I MUST have an account there because there are several negative remarks on my credit report from TD Bank. After stating my concerns one of the representatives found the account. After going into detailed what happened, the last representative informed me that TD Bank will never remove any negative remarks from any account regardless of the reasoning. I have an issue with this, due to the fact, I was not informed by the financial that a payment had not been received for several months and was easily found after the storyline. I gave my social security number to the representative several times and both representatives stated that could not retrieve my account. When I informed the representative of the what happened, she stated that TD Bank will never remove any negative remarks from someone's account I am in the process of attempting to buy a home and now I have negative remarks reflecting on my account.. 

I have never lived at XXXX XXXX XXXX, XXXX, TN. I was living in XXXX, MN at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent XXXX XXXX account XXXX XXXX has violated my rights reporting inaccurate information on my credit report. 

According to 15 USC 1681 section 602, which not only states I have the right to privacy, but also I have the right to accuracy and fairness of credit reporting. 

According to 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 16666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX XXXXXXXX, Number : XXXX
Product: Credit reporting or other personal consumer reports

As previously written. I requested my old addresses to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE IMMEDIATELY
Product: Credit reporting or other personal consumer reports

Experian has received numerous disputes and refuses to contact to company XXXX and the reports the issue are months out of date BALANCE IS XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$4400.00} Open balance {$16000.00} Credit limit
Product: Student loan

I have been dealing with Naviant for many years. I have jumped through hoops time and time again. The last was the release of my co -signers. I did what they wanted and they still won't take them off. My loan has doubled in interest and I am paying them XXXX dollars a month and only XXXX goes to the loan. I was on a repayment plan and I was never told that it would expire. I was in the hospital getting a transplant at that time so i never thought about it. I am on XXXX and was lead wrong about that as well. It is sad that there are companies like this. I have been deceived by this company for many years. That is why i have more in intrested than the original loan. All i wanted was the release of my co-signers. I can not justify paying a loan that will never get paid off.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian about a credit account showing on my credit report and a collection. The credit card is from XXXX XXXX and the collections account in question is XXXX XXXX, states I had a XXXX account, I havent had an account with XXXX in 11 years XXXX This account and collection does not belong to me. And Ive disputed the first premier card as fraud since it first showed up on my credit report. These two items are harming my financial future and present. I could not obtain a new apartment due to them. They need to reinvestigate and remove these items with prejudice
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
Product: Student loan

Loan was transferred from XXXX to CRI. I have made on time payments since 2010. I make automatic payments. CRI sent a past due invoice. CRI notes that I am already signed up for automatic payments. I called CRI. Both the automated systems & later XXXX 's first questions was if I was going to make a payment on this past due amount. After much inquiry about this PAST DUE invoice they are telling me that it will be put forbearance at some point in the future. 

My complaint is this. My account is not past due. My account was transferred. The transfer forbearance should have been the first action taken by CRI, not the last. CRI sent me no notice that they are my new loan servicing company. My only paperwork from them is a past due invoice. The CRI invoice does not have any information on where to file a complaint with CRI. Their employees have no idea where to file a complaint -- so they must not have a written policy on complaints. The supervisor said that XXXX sent an email notice. Email is not a secure method of notification, and should have provided written notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 regarding inaccurate and unknown items on my credit report. It has now been 45 days. I have not received anything regarding the investigation. Im clearly being taken advantage of and being ignored. Section 611 ( a ) states that a failure to investigate within 30 days gives reason to remove these erroneous items, this should be resolved now. I demand these accounts be removed immediately, or I will seek litigation for all this has caused me. I was also impacted by the Equifax data breach, my information could be being misused at this very moment.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against TransUnion for Failing to Correct Inaccurate Late Payment Reporting Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX XXXX with the following details : Account Details : Account Number : XXXX High Balance : {$23000.00} Last Verified : TransUnion XXXX XX/XX/XXXXXXXX XXXX XXXX  : Not Reported ; XXXX XXXX Not Reported Date of Last Activity : TransUnion XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not Reported Date Reported : TransUnion XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Closed Date : TransUnion XXXX XX/XX/XXXX ; XXXX : Not Reported ; XXXX XXXX Not Reported Account Rating : Closed ( TransUnion, XXXX ), Paid ( XXXX XXXX Account Description : Individual Auto Loan Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed ( TransUnion, XXXX ), Open ( XXXX XXXX Payment Status : Current Creditor Remarks : Closed ( TransUnion ), Paid ( XXXX and XXXX XXXX Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Despite my requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no changes have been made to the inaccuracies reported by TransUnion XXXX XXXX, and XXXX . The late payment information reflected on my report is incorrect. Specifically : Two-Year Payment History : Late Payments : XXXX, XXXX, and XX/XX/XXXX : 30, 60, and 90 days late, respectively XXXX and XX/XX/XXXX : 30 days late These dates and statuses are erroneous, as payments were made timely during the mentioned period. 
Violations : FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The inaccuracies in my credit report demonstrate a failure to comply with this requirement.

TILA Violations : 15 U.S. Code 1666b requires creditors to provide periodic statements at least 21 days before the payment due date. These reporting errors indicate potential non-compliance, causing undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, ensuring consumers are not unfairly penalized for non-payment.

Resolution Requested : Immediate removal of all inaccurate late payment notations from my credit report. 
Written confirmation of the corrections. 
Failure to address this issue promptly will result in escalating my complaint to additional agencies and pursuing legal action. I trust that you will take immediate corrective actions to resolve this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, upon reviewing a copy of my credit report, I see entry listings for charge-offs in the amounts {$4200.00} ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX As per IRS publication XXXX section on Canceled Debts, Cancel Debts ( Certificates Of Indebtness ) are considered income. Income can not be reported on a consumers credit profile or to credit agencies. This is a direct violation of the Privacy Act Of 1974 ( 5 U.S.C. 22a ), as well as FCRA. I have the right to make sure my private information isn't shared which is also backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
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 protecte privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX account number- XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Dear to whom it may concern : I recently pulled up my XXXX report and I noticed a derogatory remark on there.

Under 15 USC 1692cc : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( 2 ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or ( 3 ) where applicable, to notify theconsumerthat thedebtcollector orcreditorintends to invoke a specified remedy. 
If such notice from theconsumeris made by mail, notification shall be complete upon receipt. 

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit.It has also damaged my mode of living, my character, and much more. 

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below. 

Im giving your company 15 days to respond to this matter. 

Failure to respond to this matter will result in legal actions pursued against your company. 

I demand that the following account be validated or DELETED immediately : Original Creditor : XXXX Account Number : XXXX Debt Collector : Caine & Weiner Best Regards, XXXX XXXX XXXX XXXX