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

My account with XXXX TRANSUNION 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 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. 


XXXX TRANSUNION 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: Debt collection

Requested HIPPA consent and proof I owe a debt. All that was sent to me was a statement with no signature or consent form by HIPPA to release my private information to a debt collector. Also, I see medical charges charged that do not belong to me based on their medical coding from the original Creditor. I clearly requested a HIPPA consent and proof I owe the debt. All evidence is attached to this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires you to investigate and correct inaccurate or incomplete information. Specifically, I request the removal of missed payments reported for XXXX, XXXX, and XX/XX/year> on my American Express account. I have been a loyal American Express customer for 22 years, never missing a payment until this incident, which was caused by an error on their part. American Express inadvertently turned off my autopay feature during a period when I was dealing with medical health issues. Upon realizing this, I contacted them, and they corrected my account, reinstated autopay, and assured me they would rectify the mistake on their end. However, these missed payments remain on my credit report, damaging my otherwise impeccable credit history. 

Under the FCRA, you are obligated to ensure the accuracy of reported information ( 15 U.S.C. 1681e ( b ) ). These late payments are not reflective of my payment history but rather an error by American Express, which they have acknowledged. I demand that you investigate this matter and remove these derogatory marks from my credit report within the 30-day timeframe mandated by law. 

Additionally, I am raising a broader complaint about the predatory practice of credit utilization, which has harmed my credit score despite my fiscal responsibility. For years, I relied on a single credit cardmy American Expressrunning all expenses through it for incentives like points and cash back, paying it off in full monthly. To my surprise, my credit score suffered due to high credit utilization, a metric consumers are not adequately informed about until its too late. This lack of transparency has led to higher interest rates on loans, forcing me to take out additional cards to mitigate the issuean outcome that benefits the credit industry at consumers expense. I assert that this practice violates the spirit of fair and transparent credit reporting under the FCRA and constitutes a predatory scheme perpetuated by the Big Three credit bureausXXXX XXXX, and XXXXall influenced by the same financial giants ( XXXX., XXXX, XXXX, XXXX XXXX ). I am currently filming a documentary, *XXXX XXXX XXXX : XXXX XXXX a XXXX XXXX, to expose these practices, supported by my published papers on the subject. 

Please remove the inaccurate missed payment notations from my report and provide written confirmation of the correction. If further documentation is needed regarding the American Express error, I am happy to provide it. I am also filing complaints with XXXX, XXXX, and the Consumer Financial Protection Bureau to address both this specific issue and the systemic problem of credit utilization. I am also requesting that the utilization model that is currently being used on my account be removed. It does not reflect my payment history. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires you to investigate and correct inaccurate or incomplete information. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I did a review of my credit report and noticed that I had late payments on an account and I have never been late according to the credit reporting agencies and they have assumed a vital role and responsibility of submitting consumer information to the maximum accuracy. I have never been late in payment of this account XXXX XXXX XXXX XXXX XXXX  please investigate and provide proof of status showing that these payments are late, if proof can not be provided I demand that this payment be updated in a timely manner, because I I have not been behind on this account. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number 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
Product: Mortgage

See the letter sent to XXXX below that I have not received a response. 

XX/XX/XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX Re : Mortgage Loan # ********** ***************** ****************** XXXX, GA XXXX This is my request to waive my escrow requirement for the following reasons. My loan is a conventional loan and I only financed 52.8 % of the appraised value of {XXXX}. Secondly, I am having constant problems with the escrow department properly managing my existing escrow account ( correct analysis on XX/XX/XXXX and incorrect analysis on XX/XX/XXXX ). Therefore, I no longer want to have or pay into an escrow account. I will pay my own property taxes and my own hazard insurance. Please discontinue my escrow account.
Product: Checking or savings account

I opened an account with Laurelroad. I can not access my account online repeatedly. I can not reach Laurelroad.
Product: Credit card

My Citi Thank You Card ending in XXXX shows a current balance of {$14000.00}. 
However, my year end spend summary has arrived, and whilst these XXXX numbers should match they do not. It turns out as I have suspected I have OVERPAID and Citi Thank You actually owes me {$2600.00} and potentially more since I paid interest on items that should not have applied.
Product: Credit card or prepaid card

Balance transfer of XXXX was requested on XX/XX/XXXX from Comenity Bank Balance transfer was canceled/ stopped on XX/XX/XXXX Check was disbursed by Comenity on XX/XX/XXXX Clear XXXX XXXX XX/XX/XXXX Funds returned to Comenity Bank on XX/XX/XXXX Balance transfer fee of XXXX appeared on XX/XX/XXXX Statement Return of balance transfer of XXXX appeared on XX/XX/XXXX Statement Numerous attempts were made to have Comenity credit the fee of XXXX also the accumulated interest, that was the result of the unpaid fee of XXXX Statements have been paid in full each month, excluding fees and interest due to the unpaid balance transfer fee of XXXX Complaint was issued with XXXX and as a result Comenity issued a credit for the fee of XXXX and a partial credit of XXXX on accumulated interest, leaving a balance of XXXX in interest. Comenity issued the credit on XX/XX/XXXX. Credit posted to XX/XX/XXXX Statement, leaving an unpaid balance of XXXX in disputed interest. 
The disputed unpaid interest of XXXX generated an additional interests and fees of XXXX, a total of XXXX, as of XX/XX/XXXX Statement XXXX XXXX became the servicer of the account as of the XX/XX/XXXX Statement and XXXX XXXX has proceeded to charge XXXX in interest. 
Bringing the disputed interest and fees to XXXX Comenity indicated in their correspondence of XX/XX/XXXX : " We've reviewed the relevant telephone calls [ XX/XX/XXXX and XX/XX/XXXX ]. We found instance ( s ) where your concerns were not addressed to our standards. '' Comenity failed to stop the check before or after it was disbursed Comenity refused to acknowledge that their standards were not handled properly before XXXX  contacted them in XXXXXXXX XXXX XXXXXXXX. 
Balances on each Statement Period were due to the " disputed interest and fees '' Interest began to be charged on XX/XX/XXXX Statement, four months after dispute and two months after disputed amount appeared on the XX/XX/XXXX Statement I have been contending with Comenity from XX/XX/XXXX until now As to date, between Comenity and XXXX  XXXX the disputed interests and fees is XXXX
Product: Credit card

I purchased a camping pad from XXXX for {$140.00} on XX/XX/year>. The pad was available for {$100.00} on XXXX for on XX/XX/year>. I called the provided number, XXXX to make a Price Protection Coverage claim. I was told that the purchase was not covered at the time of purchase, even though I have made successful claims in the past. I was also told that if I made a claim for a purchase made on the day I called, it would be covered. I was told to call the bank which was Capital one to get information on this. When I called Capital one I was told that I should be able to make a claim because my Price Protection Coverage had not changed. I asked for help to make the claim and was told that it was not Capital One 's responsibility and was told to work it out with the third party organization that takes the claims. I an not sure but believe that organization is XXXX XXXX. I believe that because Capital One lists Price Protection Coverage as a benefit, it should help me with the claim. Basically Capital one says call XXXX and XXXX says call Capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX This account is being improperly reported, I have disputed this account XXXX XXXX and this account has been removed from my credit report due to not being able to be accurately and thoroughly verified.
Product: Debt collection

I have send numerous of documents including my police report and identitytheft.gov documents. I have sent to XXXX XXXX XXXX and XXXX XXXX EQUIFAX  AND XXXX. I have gotten letters phones calls and report still showing on my credit profile.. Now i got this letter stating they wont honor my documents because a payment was made from 2 bank account that i have no knowledge of no dealing with them. This is violating my right and all of 15 USC code 1692I. USING 15 U.S. Code 1692g WHICH I HAVE BEEN REQUESTING PROOF AND NONE HAS BEEN GIVE SINCE I AM A VICTIM OF IDENTIY THEFT JUST CONTINUE TO TELL ME ITS VALID NOW IM 15 U.S. Code 1692K OF MONETARY SETTLEMENT
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( XXXX XXXX XXXX ) : ACCOUNTS BEING CHALLENGE : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney. 

Please acknowledge this letter and provide a timeline for resolution.
Product: Checking or savings account

I had a account at Wells Fargo and I think they changed extra funds out my account
Product: Credit reporting or other personal consumer reports

Upon a recent review of my credit report, I discovered several unauthorized accounts. These accounts were opened in my name without my knowledge or consent. This raised serious red flags, prompting me to delve deeper into the issue. 

My investigation led me to believe I am the target of identity theft. The presence of these unauthorized accounts, coupled with past instances of my personal information being compromised in data breaches, strongly suggests this possibility. 

Therefore, I am formally reporting this matter for immediate investigation and rectification. I urge you to take the necessary steps to resolve this situation and ensure the security of my identity. 


In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), I am formally requesting verification and validation of certain accounts listed on my credit report with your agency.

During a recent review, I identified several accounts that I neither opened nor authorized. This discovery raises concerns about the potential presence of inaccurate information on my report. 

To ensure the accuracy of my credit report, I request your assistance in verifying and validating the legitimacy of these specific accounts : (XX/XX/XXXX 

I believe this step is necessary due to past instances of data breaches compromising my personal information. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX XXXX XXXX. 
My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX My only phone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office XXXX and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX XXXX. Driver License, SSN Card, and Proof of Residence
Product: Checking or savings account

My checking account at Wells Fargo was used to make about {$1600.00} in fraudulent purchases. I submitted a claim to be reimbursed for these purchases and it was denied. I was never notified of this and I only found out by contacting them almost two weeks after the initial claim was filed. No reason was given for their decision and according to the rep I spoke to I have no other recourse at this point.
Product: Credit reporting or other personal consumer reports

Company keeps saying my investigation is done and nothing was done according to to the fair credit reporting act. They are just saying investigations are done without actually doing them and providing the proof as stated by the Fcra
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the following accounts with Transunion and came back verified but accounts are still inaccurate. XXXX for historical payment data XXXX XXXX XXXX of 2020 show 120 days late. Account was charged off Shows past due balance/should be XXXXLast payment made XX/XX/2020 Date closed XX/XX/2020. XXXX account is still inaccurate historical data. XXXX XXXX XX/XX/2020 all show 120 days late. Account was charged off. Past due balance/should be XXXX. XXXX {$10000.00} is inaccurate. Historical data XXXX XXXX XX/XX/2020 show 120 days late. Account was charged off Past due balance/should be XXXX. XXXX {$10000.00} historical data inaccurate XXXX XXXX XX/XX/2020 show 120 days late. Account was charged off. Past due balance/should be XXXX. XXXX {$5400.00} collections. Account was disputed and came back verified. Account shows Past due balance/ should be XXXX
Product: Debt collection

In XX/XX/2017, I disputed this with the credit bureaus and it was deleted when the company could not verify this account belonged to me. They have now re-reported it to the credit bureaus. I have never had an account with XXXX - which is showing to be the original creditor. XXXX has confirmed that they do not have my information showing in their system as a past customer.
Product: Credit card

Issue 1 : Secret Enrollment in XXXX XXXX XXXX  : I applied for the Lowe 's Credit Card expecting a standard credit card agreement. However, I discovered after receiving the card that I had been automatically enrolled in their XXXX XXXX XXXX without my knowledge or consent. This program charged me an extra fee on every purchase, a cost that was not disclosed upfront during the application process. Upon calling Lowe 's customer service, they were able to waive these fees and unenroll me. This lack of transparency and forced enrollment is highly deceptive and unacceptable. 

XXXX XXXXY XXXX Posted Amount {$3.00} Posted Date XX/XX/year> XXXX XXXX XXXX Posted Amount {$0.00} Posted Date XX/XX/year> Issue 2 : Unexpected Paper Statement Fee : Shortly after receiving my card, I began being charged a paper statement fee. Contrary to other credit card providers I've dealt with, Lowe 's did not offer an option to opt-out of paper statements during the account creation process, nor did they clearly inform me of this potential fee beforehand. This is another example of a hidden cost that burdens the customer without prior notice or consent. 

PAPER STATEMENT FEE Posted Amount {$1.00} Posted Date XX/XX/year> Reference Number XXXX Conclusion : My experience with the Lowe 's Credit Card has been deeply troubling. The hidden fees, lack of transparency regarding the XXXX XXXX XXXX, and the unexpected paper statement charges demonstrate a pattern of deceptive and unfair practices that are not in good faith with their customers. I urge the CFPB to investigate these practices and ensure that Lowe 's implements measures to prevent similar incidents from happening to other consumers.
Product: Debt collection

A COMPANY CONTINUES TO CALL ME FROM XXXX AND ASKS FOR A XXXX XXXX, WHICH I AM NOT. I HAVE ANSWERED THESE CALLS ( MANY TIMES - APPROX. 15 ), THEY SAY NOTHING AND HANG UP. I CALL THE NUMBER BACK TO FIND OUT WHO IS CALLING AND THEY ASK FOR A XXXX ( LAST NAME WITHHELD ). I TELL THEM EVERY TIME THERE IS NO XXXX XXXX. THEY SAY THEY WILL REMOVE MY NUMBER FROM THEIR CALL LIST, BUT STILL RECEIVING CALLS. THIS IS MY BUSINESS PHONE AND I HAVE TO ANSWER CALLS FROM POTENTIAL CUSTOMERS THAT I DO NOT HAVE ON CALLER ID.
Product: Mortgage

Currently owe {$360.00} from XXXX the XXXX payment of {$1000.00} was due on XX/XX/XXXX we have applied for the cares act through XXXX XXXX XXXX   they have XXXX XXXX dollars to help people we have filled out all the applications and we are waiting. they said they will pay the mortgage company but it's the federal government and it takes time the mortgage company calls me three to five times a day and emails me every day I stopped answering the phone I told them if anything changes I will call them her name is XXXX XXXX from what I've read this is harassment and I sure would like it to stop she knows if I get money I will tell her the cares act pays directly to the mortgage company not to me
Product: Bank account or service

Our company sought to obtain a loan in the amount of {$250000.00} from XXXX XXXX, XXXX XXXX. We were required to submit a 1 % retainer for the loan, which would then finalize the requirements. Unfortunately, the firm located in XXXX, was conducting fraudulence and walked away with our money. XXXX XXXX evaded all contact with our company and never fulfilled the contract we had. 

*Enclosed you will find all supporting correspondence and receipts*
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Refusal to Update Personal Information and Denial of Access to Consumer Report Dear Equifax ], I am writing to formally dispute your agencys refusal to update my personal information and denial of my right to access my consumer report, as required under the Fair Credit Reporting Act ( FCRA ). 
Personal Information Update Refusal On [ Date of Request ], I submitted a request to update my personal information on my credit report, including [ list specific information that needed updating, such as current address, name, date of birth, etc. ]. However, despite providing all necessary documentation and verifying my identity as required, my request has been unjustifiably denied. 
Under the FCRA, specifically 15 U.S.C. 1681g ( a ), I am entitled to have accurate information on my credit report. It is crucial that my personal information is correct and up to date to avoid any inaccuracies that could negatively impact my credit standing. 
Denial of Access to Consumer Report Furthermore, on XXXX, I requested a copy of my consumer report to review the information currently reported by your agency. I have been unjustly denied access to my consumer report, which is a violation of my rights under the FCRA. According to 15 U.S.C. 1681g, I am entitled to a free annual copy of my credit report, as well as access to my report whenever inaccuracies or identity theft are suspected.
Product: Credit reporting or other personal consumer reports

I noticed discrepancies on my credit report tied to 15 USC 1681c-2, specifically unauthorized hard inquiries that are impacting my credit score. Please remove these inquiries.