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

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 ) is mailed or delivered to the consumer not later than 21 days before the payment due date. 

1. XXXX XXXX  Account closed on XX/XX/XXXX 2. Capital One Account closed on XXXX XXXX, XXXX 3. XXXXXXXX XXXX XXXXXXXX Account closed on XX/XX/XXXX 4, XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX, XXXX 5. Capital One Account closed on XXXX XXXX, XXXX 6. XXXX XXXX Account closed on XX/XX/XXXX All late payments on these accounts started when the covid-19 pandemic started. I did not receive any notification for payment. I would like for you to remove these accounts off of my credit report.
Product: Credit reporting or other personal consumer reports

My wallet was stolen from my car In XX/XX/year> with all of my information including my social. I noticed information on my credit report that is inaccurate and that I had no knowledge of. They are the following : XXXX XXXX XXXX {$730.00} XXXXXXXX XXXX {$260.00} XXXXXXXX XXXX  {$3500.00} XXXXXXXX XXXX {$450.00} XXXX XXXX XXXX XXXX$3500.00} XXXXXXXX XXXX XXXX XXXX  {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was showing that I had a late payment in XXXX when I did not so I disputed the information with Experian. Experian has now updated the information removing the erroneous late payment but now they are showing the account as discharged in chapter XXXX bankruptcy. My mortgage account was never discharged in my chapter XXXX bankruptcy which was filed 9 years ago, the mortgage was reaffirmed and I am still in my house making timely mortgage payments every month. The mortgage servicer is XXXX.
Product: Debt collection

Upon inspection of my credit report, I noticed several accounts that seem to have been added without authorization and are inaccurate. I ask for these fraudulent entries to be blocked and removed at once.
Product: Credit card or prepaid card

Since 2015, i have been using " XXXX  XXXX '' store card to purchase goods at XXXX. I was never mentioned about a " credit security fee '' or that fee wasn't shown clearly to me. This " credit security fee '' allows me file for debt relief if i am hit with major life altering financial situation ( kind of like insurance ). I was never told about this fee upfront clearly. I managed to get access to their banking statement ( the bank never sends me statements not by email/physical ) online today and i have been charged this fee since 2015. 

If i would have know about this fee, i would have cancelled it on day one. This practice by XXXX and synchrony bank is predatory. ( automatically signing up customers into these products without proper consent )
Product: Debt collection

This is a follow up to the complaint that I filed on Monday XX/XX/XXXX. It seems that Discover XXXX , XXXX , XXXX , XXXX , XXXX XXXX XXXX , XXXX. has filed a Judgement against me as a form of spite, retaliation, and retribution as a result of the complaint that I filed with CFPB a few months ago against them for excessive calling on my home phone and cell phones. I feel my rights have been violated ... my Freedom of Speech for one. It seems like when the citizens or consumers speaks out, the business lashes out ...??? Why filed a Judgement against me when Discover has known that XXXX XXXX XXXX has been communicating with them since the summer of 2014??? 
A few days ago, an XXXX XXXX from Executive Office of Customer Advocacy within Discover sent me an email stating that XXXX would be investigating my concerns from the previous complaint that I filed on XX/XX/XXXX and would send me a detailed response upon completion of the investigation. This tells me that Discover is unsure of the actions and business practices it has done in this matter ...??? How often does a business calibrate itself ... when something is out of tolerance ...??? Well, I 'm not going to " tolerant '' the actions of Discover and XXXX, XXXX ... 
I have written a letter to the President of the United States of America at the White House. I have explained to him in writing about this situation and included a copy of the Judgement against me by Discover, filed by XXXX XXXX ... I want the President to know what 's going on in the real world and the business world. I have requested help from anyone in his government on this matter ... I 'm waiting for his reply now. Also, I 'm writing to any state and government official that will hear me on this matter. I want the whole world to know how Discover and XXXX XXXX have treated me over these last several months. 
I 'm requesting that the CFPB, the Federal Trade Commission, the FBI, and members of Congress investigate Discover/ XXXX , XXXX , XXXX , XXXX , XXXX, XXXX XXXX , XXXX for their actions and practices. Number 1, I would like to know who authorize the Judgement against me, Number 2, why? 
I should not be bullied, harassed, intimidated, and threatened because I want to get my debts consolidated, paid down, and paid off. I 've had to endure this for almost a year now! I put " All '' my trust in Christ and HE will fight my battles for me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing you myself. This demand has no third party. 
I've informed you of unfair practices before. YOU VERIFIED THESE ACCOUNTS WITHOUT ME. The banking system relies on fair and reliable customer reports. I'm getting erroneous information without notice. Your organization did not inform me that these inconsistencies will be reported during your initial examination. 
I'm letting you know that I've been wronged and lost trust in your company 's practices. I'm notifying you that I won't extend my credit and won't let you record my information in your company 's database if this information isn't erased. 
Your company 's mistake wrecked my credit and reputation. 
Variously. 
Your company thought that was accurate without consent from me, the consumer, or a competent court. You also failed to investigate this information initially. You assumed this role and trusted this information. Another infraction. You can not assume for me or assume this information is valid. 
You did not verify this information or act fairly. You only heard one side and never asked if I made this transaction. 
This infringed my privacy, which is another offense. 
Before adding this to my report, you never offered me a chance to deny it. 
I will demand reimbursement for the harm your company caused me by disclosing incorrect information and that efforts are taken to prevent future Fair Credit Reporting Act ( 15 USC 1681 ) violations. Please confirm your compliance in writing. 
Again, I'm addressing these demands on my own behalf. NO THIRD PARTY. This is my second chance to meet my demands. 
As the original creditor, I demand : Account # XXXX XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX Otherwise, this will cause greater damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are allowing the reposting of a fraudulent account. The debt on this account has been transferred to multiple debt collectors after requesting that the data furnisher and the credit bureau block and notate the account last year in XXXX. I would appreciate if the bureaus did their job so my credit can stop the roller coaster journey.
Product: Debt collection

A Capital One account was added to my credit report in XXXX after it was received by a collections agency, XXXX XXXX XXXX XXXX in XX/XX/XXXX. It's showing the Capital One account was opened in XX/XX/XXXX. For the past XXXX years I have been contacting XXXX XXXX XXXX to obtain verification of this debt. The only information they have provided me are copies of billing statements. I confirmed today ( XX/XX/XXXX ) they do not have a copy of the original contract/application so I can confirm how this account was opened. I am not sure how a collection agency say I have a debt, but they can not provide documentation showing how the account was opened.
Product: Credit reporting or other personal consumer reports

I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.
Product: Credit card or prepaid card

On XX/XX/2018 around XXXX PST i called Bank of America Credit card services at ( XXXX ) XXXX. The purpose of my call was to make a payment that was due on XX/XX/2018 based on the billing statement that they had sent me. When i called in i spoke to an individual who's name i did not obtain. The rep advised me that my payment will post with a date of XX/XX/2018, causing a late fee, even though i was making the payment on the due date, the associate explained that Bank of America processes their payments based on Eastern Standard time. I asked why was i being punished for living in a PST time zone and making my payment on time based on where i live and the time it was. the rep explained that because i live in california and i am calling on the due date the late fee would be waived and my payment would be honored as on time. 

I called Bank Of America on XX/XX/2018 and had the call escalated to a supervisor by the name of XXXX in the Montana location. I explained the situation to her, and she refused to waive my late fee at first. I explained to her it is Bank of Americas duties to stand by the promises their employee make, XXXX explained that because the previous associate did not document anything about a late fee, they could not honor it. I believe this is horrible customer service on their end. I have been a long time customer and they refuse to honor previous promises. 

XXXX eventually agreed to waive the late fee on a contingency of filing an official complaint where they will " research '' the situation, and if they feel that it is warranted they will keep the fee waived, if not they will charge it back. 

i have attached a screenshot of my bill showing that i call on XX/XX/2018 as proof.
Product: Debt collection

Lustig, Glaser & Wilson have not verified that I owe the debt. I sent out a letter to Lustig, Glaser and Wilson to verify that I owe the debt but they did not respond.They are not even listed on my credit report, however XXXX XXXX is who also is not giving me any information for the debt in question. I am now being sued by Lustig Glaser Wilson for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically, a debt resolution company was able to negotiate a debt repayment to the following company : Capital One Services For Capital One : The credit card debt with this company is still showing a balance owed, even though the debt was negotiated and settled/paid. The credit card settlement amount for Capital One was {$440.00}, and they have not updated or deleted the account at the three credit bureaus. The information is inaccurate, as this account was settled, via the XXXX XXXX XXXX. An agreement, dated XX/XX/2021, was negotiated for the settled amount {$440.00} and a payment had to be received by XX/XX/2021. Four separate payments were sent, totaling {$440.00}, via my settlement representative/attorney, XXXX XXXX XXXX XXXX Payment was submitted via XXXX XXXX XXXX. Please be advised I have a copy of the settlement agreement documentation from my attorney at XXXX XXXX XXXX. I have sent a certified letter requesting they correct the accounts on my credit reports. I requesting the corresponding accounts be deleted from my credit reports. I have not received a response. 

For XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : The credit card debt with this company is still showing a balance owed, even though the debt was negotiated and settled/paid. The credit card settlement amount for XXXX XXXX XXXX XXXX was {$2300.00}. They have not updated or deleted the account at the three credit bureaus. All information is inaccurate, as this account was settled, via the XXXX XXXX XXXX. An agreement, dated XX/XX/2021, was negotiated for 50 % of the total due ; the settled amount accepted by your debt/account representative was {$2300.00} to be paid by XX/XX/2021. An ACH payment totally {$2300.00} was sent to your account representative on XX/XX/2021. Please be advised I have a copy of the settlement agreement documentation from my attorney at XXXX XXXX XXXX. Payment was submitted via XXXX XXXX XXXX. Also included in the terms of the agreement is the account would be marked settled. I have sent a certified letter requesting they correct the accounts on my credit reports. I requesting the corresponding accounts be deleted from my credit reports. I have not received a response. 

For XXXX XXXX XXXX : The credit card debt with this company is still showing a balance owed, even though the debt was negotiated and settled/paid. The balance on my credit reports is showing {$1700.00}, but at the time of settlement negotiation, the balance was only {$610.00}, and an agreement was reached to settle the account for {$330.00}. An ACH payment was submitted totally {$330.00}. Here is the payment information : Payment ID # XXXX ; Trace # XXXX ; Amount {$330.00}. Payment was submitted via XXXX XXXX XXXX. I have sent a certified letter requesting they correct the accounts on my credit reports. I requesting the corresponding accounts be deleted from my credit reports. I have not received a response.
Product: Debt collection

i am not in any shape or form liable for this debt with " first credit services ''. i do not and never had a contract with " first credit services '' and they did not provide me with a original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THI IS NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I was using the XXXX app and someone sent money. And it was the wrong person. And they close my XXXX account. It was my fault
Product: Credit reporting, credit repair services, or other personal consumer reports

There is big mistake in my report, I have never paid late this account : OFFICE OF THE ATTY GEN/ TTORNEY GENERAL CHI/    OAG CHILD SU  - Account #  XXXX
Product: Credit reporting or other personal consumer reports

I've opted out numerous times with Lexis Nexis ( XX/XX/XXXX, XXXX and XX/XX/XXXX ) Still getting things reported on my Credit profile without written disclosure via U.S mail. I've spoken to a few of their customer service reps who refused to help resolve this issue even when I explain this situation is a violation to the Fair Credit Reporting Act and Privacy Act of 1974. I spoke to the XXXX District of Georgia U.S. Bankruptcy Court regarding ( Ref # XXXX ; XXXX ), The United States Bankruptcy Courts explain to me that it does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. With that being said how is XXXX, XXXX and XXXX saying its been VERIFIED on my Consumer Credit Profile? An XXXX Supervisor informed me that public record information was furnished by Lexis Nexis. Then Lexis Nexis informed me Bankruptcy was public information collect PACER. The information gathered from the PACER system is a matter of public record and may be reproduced without permission. The FCRA 15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. It continues to say that they don't have anything to do with the consumer reporting agencies. 15 U.S.C 1681s-2 ( 2 ) The duty of the furnishers of information is to correct and update information. The FCRA also prohibition reporting information with actual knowledge of errors. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ). LexisNexis is willfully noncomplying with the law.15 U.S.C 1681n ( a ). LexisNexis has a duty to ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. This is becoming a big headache and really hurting my credit worthiness. I've also received a copy of my Lexis Nexis report showing things reported on my profile without any written consent to myself and other parties listed on my profile without their consent. I need Lexis Nexis to removed all of these inaccurate reports off my consumer profile and send the inaccuracies to XXXX, XXXX and XXXX for their removals off of my credit profile immediately. I've been a victim of ID Theft on my XXXX Taxes. A Complaint was put in with The Internal Revenue Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the Hard Credit Inquiries on my report. One of the companies, XXXX XXXX, I did authorize, but they ran my credit twice instead of once at two different times. They also sent me a card that I did not apply for. I was fine with the initial pull, but not two. When I called they could not tell me why and said It must have been the computer or Fraud to alert my Credit company. I now have a card, but I am concerned when I only applied once. One of these should be removed from my report along with the other companies that I did not approve. 
The only one that I authorized Is the XXXX XXXX on XXXX, XXXX 
I do have two cards with XXXX XXXXXXXX now and do not wish to compromise my credit, but I am confused a to why they pulled my credit twice when I applied for one card. I have had an issue with XXXX XXXX XXXX on my other two credit reports. I did not give XXXX XXXX the permission to pull my credit nor do I have credit with them. They did not just pull it once but also twice. This is another reason I am concerned about fraud. At the same time, XXXX pulled my credit. I definitely did not authorize that since I had been in dispute with the company. The last one I have no idea why my credit was pulled I have not credit with XXXX  XXXX  not have I ever authorized them to pull my Credit. 
Inquiry details. I was told it is a mortgage company called XXXX. 
XXXX XXXX XX/XX/2022. 
XXXX XXXX XX/XX/2022 XXXX - XXXXXXXX XXXX. XX/XX/2022. Not authorized. 
XXXX XXXXXXXX XX/XX/XXXX, XXXX All of these happened after I got my credit card with XXXX XXXX the inquiry XX/XX/XXXX. 
I have not been looking for a morgage and am not either. 
XXXX. XX/XX/2022. Not authorized All of the above inquiries, Except the XXXX XXXX, XX/XX/2022 should be removed. They were not authorized on my credit. 
XXXX XXXXXXXX is supposed to be sending and electronic message as to the XX/XX/XXXX inquiry. 
I will be filing a police report tomorrow per XXXX request and have filed with the CFPB per XXXX suggestion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX , XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On my First Advantage background report, The State of Ohio in XXXX Ohio states I was a delivery driver from XXXX to XX/XX/XXXX, this is incorrect! I NEVER was a delivery driver for the state of Ohio I was a claimant Advocate for 2 years but that is all