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

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

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

I demand the late payment reported in those account 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. 


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: Checking or savings account

sofi is reporting every detail of my checking account to XXXX. and yes i did call them complained about the over drafts they allowed with my past account. i since closed this account on my own accord, due to the overdrafts they allowed to happen ; with little to no funds they contiuned to allowed these transactions to pile up every month.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 


XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX , XXXX XXXXInquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX , XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX late payment was occurred on a XXXX Credit Card Account during the COVID-19 pandemic, as I never received a statement or phone call alerting me of the past due balance. Immediately upon receiving an alert from my credit monitoring, the account was paid in full. It still reports negatively on my account. The credit bureaus have not removed it.
Product: Money transfers

i signed up for Venmo last week and made some transactions though folks i know. 
Venmo froze my account last Thursday and has not provided me any information. They stole XXXX of my money and refuse to provide reasons why. The company does not have a customer phone number. i have no way to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is still reporting on my Equifax credit report on XXXX when the information has come back unverified and deleted. Why is it still reporting? XXXX XXXX XXXX, Pa, XXXX XXXX SSN : XXXX Credit Bureau Name : Equifax Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently made a dispute under FCRA 611 ( a ) regarding an erroneous items on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my credit report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you Please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question immediately removed from my credit report.

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, XXXX XXXX In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX  XXXX XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX  Act Name : XXXX  XXXX, Act Name : XXXX XXXX, Act Name : XXXX XXXXXXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XX/XX/2017 i went to the emergency room for pain. The Dr spent 10 minutes with me, told me I had XXXX XXXX XXXX XXXX  and prescribed a medication. 
The next day I contacted my personal Dr to follow up. The XXXX XXXX XXXX XXXX was from a medication I was on for XXXX XXXX, and the emergency room Dr clearly knew this as it turns XXXX XXXX XXXX! 
The medication he prescribed made my condition worse, as it turned out to be a XXXX XXXX..something he never tested for. 
I feel that service was not delivered and therefore i should not owe this bill. 
I also carried very good insurance at the time ... in contacting them, they claimed there was nothing they could do as hospitals always win these disputes!! 
Please advise what can be done from here. 

Thank you in advance - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Third party search company company used by a property management company is reporting an eviction. Both myself and the landlord are trying to find out how to report this as an error and have it taken off. XXXX XXXX, the third party, says they have no ability to help and to contact Experian. Experian says it has no record of this YET I have documents which have prevented me from getting in lease in my own name which have appeared. I'm afraid to even apply elsewhere. This is madness. I feel like I'm being held XXXX. Where is this information being kept and how do I get it off my records?? Thank you and please see attached.
Product: Checking or savings account

I have never recieved my old Us bank Debit card. Someone had stole and activating my old US bank debit card and stole all my funds out of my account. They had maxed my card out of {$15000.00}. i have never authorize any of those fraud transactions i had disputed immediately. I contacted police immediate and had submitted a fraud report for investigation. Us bank fails to investigate this fraud activity. They have never investigate this situation for over a year. I have been waiting months for them to tell me they dont have any investigation going on or any disputes.
Product: Credit reporting or other personal consumer reports

Accounts I didnt approve appear on my credit report. Take action to block and erase these fraudulent entries.
Product: Debt collection

I sent a letter disputing this to the nation wide recovery I did not get a response it was like I did not send them anything however I did and I faxed a letter also nothing I submitted a dispute with the Credit agencies and they said that nationwide recovery gets anther 30days I read the law it says they gat 15days I am sick and tired of being abused by this system the so called creditor and the Overly powerful credit agencies do as they please. I am requesting that Nation wide recovery PROVIDE WRITEN PROOF of debt WRITTEN PROOF of the right to collect it their surety bond number. IF they don not provide written proof the credit agencies will take it as you do n't have this information and remove it from my credit THE LAW DOES NOT ALLOW FOR I SAID YOU OWE IT SO YOU MUST PAY IT if it did I could simply say nationwide recovery owes me a XXXX XXXX and put it on your XXXX XXXX XXXX and your XXXX and XXXX Credit report XXXX that does not seem like a bad idea given that is exactly what you did to me there is fines involved for breaking the law and I added it up we are working on a little over {$4000.00} dollars
Product: Credit reporting or other personal consumer reports

I learned of this account upon checking my credit reports. I have attempted to dispute the debt. However, it continues to be noted as verified. Experian in particular seems to be using internal practices to prevent my disputes from being processed completely. This occurrance is a recent as today. My most recent dispute read as follows : Your firm has violated provisions of the FDCPA by implying the legal status of the debt is collectible ; by reporting the alleged debt to the credit bureaus. [ 15 USC 1692e ] Please remove this account immediately.

My position is one, I was completely unaware of this account. Two, I am unaware whether or not this account belongs to me, and furthermore, according to the information provided on my credit report the original creditor account of the alleged debt is out of the statute of limitations, and this appears to be an attempt to collect on zombie debt. Absent of adequate documentation to prove in court that this entity has a legal right to report this negative information on my credit report, they are in violation of the Fair Credit Reporting Act as well as the FDCPA. Non-compliance may render this entity into serious litigation with the FTC and other governmental agencies. Under the FCRA and the FCRA, each violation is subject to a {$1000.00} fine payable to me.
Product: Credit card or prepaid card

Synchrony 's Walmart credit card overcharged me. Paid {$150.00} on XX/XX/2019, but then charged XX/XX/2019 as well. Loss {$310.00} on XX/XX/2019 through my XXXX 's XXXX XXXX account and had to take out of my savings to pay rent, putting me at financial risk. The company would not respond to my call and said customer service was down around XXXX.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint against EXPERIAN INFORMATION SOLUTIONS INC . 

EXPERIAN INFORMATION SOLUTIONS INC. has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to EXPERIAN INFORMATION SOLUTIONS INC. to FURNISH this account/item.

The DATE OPENED is INACCURATE and I DEMAND EXPERIAN INFORMATION SOLUTIONS INC. to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND EXPERIAN INFORMATION SOLUTIONS INC. to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND EXPERIAN INFORMATION SOLUTIONS INC. to delete this account/item within 4 business days ( Exhibits provided ) EXPERIAN INFORMATION SOLUTIONS INC duty is to PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Product: Credit reporting, credit repair services, or other personal consumer reports

report  XXXX  received  Sat   XXXX / XXXX / 2017  remains incorrect. Some issues rectified others not.  XXXX  shows a negative when account is still in good standing and they CONFIRM balloon included in balance due. They continue to show a North Carolina  XXXX   XXXX   when we have never lived, conducted business or know of any relatives in North Carolina. There is a " State Legislative Fr  eeze '' but no explanation and np mention of the security freeze? Attempts to reach them have come up empty! They do not allow a dispute! Numerous non authorized inquiries and they force you to notify some of them who made the inquiries before processing. They offer a free account but then they state it can not be processed. In my opinion they have serious reporting issues all of which create serious financial hardships and burdens for us as witnessed by the number of complaints posted and closed by you which are still unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts that currently listed on my Equifax credit report was previously deleted by Equifax, but keep reappearing on my credit report : MN XXXX XXXX XXXX account number in # XXXX and the XXXX  XXXX XXXX, the accounts are fraudulent, unauthorized and not mine. I have attached documentation for proof the accounts dont belong to me.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries under FCRA 15 USC 1681c-605 ( b ) To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries appearing on my credit report. These inquiries do not have a permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681b, and therefore should be removed immediately in accordance with 15 USC 1681c-605 ( b ). 



The inquiries in question are as follows : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX. XXXX XXXX XXXX I did not authorize these entities to access my credit report, nor did I initiate any transaction or provide consent for these inquiries. Under the FCRA, consumer reporting agencies are prohibited from including obsolete or unauthorized information on credit reports. 



Please investigate and remove these inquiries promptly. I request written confirmation of the resolution of this matter. Additionally, I ask that you provide the name and contact information of the entities that initiated the inquiries, as this information will assist me in protecting my credit and identity. 



Attached are copies of my identification and a copy of my credit report highlighting the unauthorized inquiries for your reference. 



I trust this matter will be resolved promptly. Please confirm receipt of this and provide an update within the statutory XXXX period. 



Thank you for your attention to this urgent matter. 



Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I submitted a request for payment deferment due to Covid-19. I was laid off from my job. I submitted online and received a message stating once the request submitted I would be allowed to skip the next two months ' payments. ( Please see the message from BarclayUS below ) However, today ( XX/XX/2020 at XXXX from XXXX ) I received a call from Barclay Card customer service rep saying my account is past due, I have been charged a {$49.00} late fee. If I paid the minimum {$27.00} today, they would reverse the late fee. I explained I had requested payment deferral due to being laid off. She asked me when I was laid off, and if I could make the {$27.00} payment. I explained money is tight and I prefer not to. I also explained I had applied for payment deferral. She said she had no record of that. When I pulled it up on the " Message Center '' in their website and told her it is there. She stated that she could not access message center messages. 

I asked her for payment deferral and she said it is too late for XXXX and that she would defer XXXX. She asked me to make the payment now with her on the phone and then she would reverse the late fee. 


***** MESSAGE FROM BARCLAY US BANK RECEIVED XXXX XXXX************ Thank you for contacting us regarding your Barclaycard Rewards Mastercard . 

We understand your concerns and want to provide assistance to our cardmembers who have been impacted by the COVID-19 coronavirus. If you are unable to make your payment during this difficult time, were here to help. You can request payment relief online by logging in to your account at the website listed on the back of your card, choosing " Contact Us '' and then select the " Payment Relief '' option to submit a request.

Once you submit your request, we are allowing you to skip the next two payments due on your account. This means you do not have to worry about making a payment for this current billing cycle or the minimum payment due reflected on your next statement. The minimum payment due will still appear on your next statement and interest will continue to accrue, but you do not need to make a payment. 

Please allow us 5 to 7 business days to make these adjustments to your account. If you have set up Repeat Payments on your account, you will need to cancel them or a payment will be applied to your account. As a reminder, you can view your transactions, check balances, and manage your account through the website listed on the back of your card or our mobile app. 

Sincerely, Customer Care
Product: Debt collection

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experian 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00}. Please remove.
Product: Credit reporting or other personal consumer reports

My personal information was leaked in a data breach and fraudulent accounts were opened. I demand these accounts be deleted immediately.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. i also attached idtheft report XXXX. XXXX XXXXXXXX XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XXXXXXXX XXXX  XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX Experian XX/XX/XXXX Dear Credit Bureau : I have a few questions about several inquiries on my credit report. Is it true that in order to pull someones 's credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report WITHOUT MY AUTHORIZATION? In my last dispute, i asked for the unknown inquires to be verified and my request was ignored. I DID NOT AUTHORIZE THESE COMPANIES TO CHECK MY CREDIT FILE. 

Creditor : XXXX  XXXX XXXX -- Inquiry Date : XX/XX/XXXX XXXX XXXX -- Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX -- Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX -- XXXX Date : XX/XX/XXXX XXXX -- Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -- Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -- Inquiry XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX From my understanding, this is against the law!! I did not authorize these aforesaid companies to pull my credit report, PLEASE DELETE THESE INQUIRIES TODAY!!!!