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

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  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 60 days 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 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past week, Equifax, XXXX, and XXXX have dropped my credit score by more than 70 points. The " changes '' were an account that had bee fraudulently obtained was deleted from my credit report and I took advantage of the COVID relief program and modified my mortgage which resulted in a lower payment and while the costs of the modification were financed in, the loan is 80 % of the current value of the house. So I am unclear how being in a better position with a lower payment can negatively affect a credit score. 

I also fail to understand how the removal of an account that was the result of fraud can lower one 's credit score.
Product: Vehicle loan or lease

Im Identity was used to file for taxes unemployment, anchor rebate, cars and phone services
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION oXXXX XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$500.00} XXXXXXXX XXXX  XXXX Balance : {$1900.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$6700.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

XXXX is claiming that I owe them {$710.00} and I would like a XXXX
Product: Debt collection

Got this loan long story short fell into financial hardships due to unexpected medical problems. Could n't pay the loan now the company is contacting me for numerous different numbers as well as calling my place of work my brother and girlfriend constantly.
Product: Checking or savings account

In XXXX I have noticed that there were unauthorized transactions on my XXXX account. There were subscriptions to video-game type services from XXXX XXXX that I have never seen before. 3 services : {$190.00}, {$310.00}, {$100.00}. These were subscriptions, so by the time I noticed it over {$1000.00} has been withdrawn. When I checked my account activity for that XXXX account I saw that a device ( a phone ) has been accepted that I have never seen before. I immediately closed the XXXX account filed a claim with them and my bank, XXXX Bank. On XX/XX/XXXX my bank denied my claim due to XXXX reporting the transactions as not fraudulent. A Bank representative told me that XXXX said these transactions were not fraudulent because they had my name and address and all information was correct. All that information was obtained from my XXXX account. My direct deposit from work was associated with that gmail account.
Product: Credit reporting or other personal consumer reports

Per FCRA 605B, we're obligated to erase any inaccurate accounts from my credit report. Would you be able to review the documents? There are discrepancies in some of the listed accounts regarding reporting, including inaccurate amounts and dates.
Product: Credit card or prepaid card

Was Sent Numerous Pre Qualified and or pre approved offers and was not approved for any of the cards I should have gotten based on the credit card offer.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failed to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed information outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and rights as a consumer.
Product: Debt collection

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Open Date XXXX XXXX XXXX XXXXXXXX {$1200.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my TransUnion XXXX score was decreased XXXX points because a XXXX year old account ceased reporting. My infile with TransUnion is over XXXX years old and all my accounts are and have been current since a XXXX XXXX XXXX filing. I did not nor did any creditor close the account in question. I had to be a legacy or phantom account because it would predate the bankruptcy filing. Moreover my current oldest account is XXXX XXXX XXXX. Not a big difference for a consumer whose file goes back to XXXX. I understand the algorithm only takes into account raw data account age but the XXXX point reduction is egregious and terribly inaccurate as the XXXX year difference in oldest account age does not reflect my ability to pay now, moreover after contacting TransUnion twice they were unable to tell me what account was deleted or ceased reporting to cause the reduction. This is such a sudden and dramatic reduction I will affect my relationships with current creditors. At the very least the reporting agency should be able to divulge what happened, identify the creditor and furnish me that information. That said with a mere XXXX year difference and a stellar performance as a consumer the reduction should be reviewed and adjusted by a human being.
Product: Credit card

XXXX established a relationship with GE Capital for what is called " PayPal Smart Connect Debit Card '' ( MasterCard ). I was given a {$300.00} credit limit. The relationship was transferred XXXX to Synchrony Bank XX/XX/XXXX. Hence, the new company has instituted policies that undermine the original relationship with GE Capital. 
My complaint is that Synchrony Bank without written notice XX/XX/XXXX changed my credit ceiling limit down to the exact amount of the unpaid balance of {$130.00}. I use the card for Business & Personal expenses and it is tied to my Social Security number as a Tax ID. Thus, they used my credit report to make the decision. As a result, I closed the account and forfeited my privilege of credit towards my XXXX purchasing. I feel the decision was unfair because I had no payment delinquencies. Now Synchrony Bank is still demanding the minimum {$25.00} monthly payment on a CLOSED ACCOUNT. I intend to pay off the balance, but do not feel there should be a penalty ( late fee ) or demand of {$25.00} since the account can not be used and this is just to payoff a closed account.
Product: Credit reporting or other personal consumer reports

I am writing to you to report that I have become a victim of identity theft. Upon reviewing my credit report, I discovered fraudulent accounts and inaccurate information that I believe are the result of identity theft. I am requesting your assistance in investigating and resolving these issues promptly. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( ITADA ). I am citing these laws to ensure that my rights are protected in this matter.

Under the FCRA : Section 611 grants me the right to dispute inaccurate information on my credit report.

Section 611 ( a ) ( 1 ) ( A ) requires credit reporting agencies to investigate disputes and correct any inaccuracies.

Section 605B mandates credit reporting agencies to block fraudulent information resulting from identity theft upon receiving a proper request from a victim.

Under the ITADA : This federal law establishes identity theft as a crime and provides procedures for victims to report and mitigate its effects.

I am exercising my rights under ITADA to notify you of my status as a victim of identity theft and to request your cooperation in resolving the fraudulent accounts and inaccurate information on my credit report.

Enclosed with this letter are copies of [ identity theft reports filed with law enforcement/FTC. I kindly request that you investigate the fraudulent accounts and inaccurate information on my credit report and take appropriate action to correct them as soon as possible. 

Furthermore, I am requesting that a fraud alert be placed on my credit file to prevent further unauthorized activity. Additionally, please provide me with a free copy of my credit report, as per my rights under the FCRA. 

I appreciate your prompt attention to this matter and your cooperation in resolving these issues. Please acknowledge receipt of this letter and provide me with updates on the progress of your investigation. 

Capital One Credit Card opened XX/XX/XXXX account number XXXX Capital One Auto Loan XXXX XX/XX/XXXX account number XXXX and Vin # XXXX Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to dispute the following information on my credit report. The addresses listed below are not my correct addresses : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Additionally, I have noticed several inquiries on my report that I do not recognize : XXXX XX/XX/XXXX inquiry XXXX XXXXXXXX XXXX  XX/XX/XXXX inquiry XXXX XXXXXX/XX/XXXX inquiry XXXX XX/XX/XXXX inquiry I believe that my rights under the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA have been violated due to this inaccurate and incomplete information on my credit report. Please investigate these discrepancies and take appropriate action to correct them as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX, 2017 I sent a certified letter to the company asking for them to validate the alleged debt. Company did not respond, or send any proof of alleged debt. They still continue to report to the credit bureaus without validating alleged debt.
Product: Debt or credit management

I fell behind on mortgage payments and Wells Fargo set up my payment to be automatically deducted biweekly. Due to hardships I called and spoke with a Wells Fargo representative and had them stop my auto pay. Instead they took the money from my account. I called again and again, I was disconnected several times and placed on hold several times only to have no one take my calls. The last time I did speak with a Wells Fargo representative she told me they had put my money in an account created by Wells Fargo.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 21 credit inquiries on my report that are false, I did not authorize these inquiries, this has been an ongoing problem with these reporting agencies for some time now. 

These are the inquiries that are falsely reporting on my report : XXXX  1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX  4. XXXX XXXX  5. XXXX 6. XXXX XXXX 7. XXXX  8. XXXX XXXX 9. XXXX XXXX 10. XXXX 11. XXXX 12. XXXX XXXX 13. XXXX XXXX  14. XXXX XXXX 15. XXXX  16. XXXX XXXX 17. XXXX 18. XXXX XXXX XXXX  19XXXX XXXX 20. XXXX EXPERIAN 21. XXXX XXXX  XXXX 22. XXXX XXXX  23. XXXX XXXX XXXX  24. XXXX XXXX 25. XXXX XXXX XXXX 26.XXXX  XXXX XXXX 27. XXXX XXXX 28. XXXX XXXX  XXXX 29. XXXX XXXX XXXX 30. XXXX XXXX  XXXX. 
31. XXXX  32. XXXX XXXX 33. XXXX  34. XXXX XXXX XXXX 35. XXXX XXXX XXXX XXXX 36. XXXX XXXX XXXX. 
37. XXXX 38. XXXX XXXX XXXX  39. XXXX XXXX 40. XXXX XXXX 41. XXXX XXXX XXXX
Product: Debt collection

I have a XXXX XXXX account with my XXXX XXXX children, XXXX XXXX and XXXX XXXX, and my husband XXXX. We are all authorized to use this phone account to get a new phone when necessary or have a phone fixed. If they were n't authorized they would have to have XXXX call each time they need to do something with their phone for permission from me the head person on the account. My daughter, XXXX bought an Ipad on a XXXX account she set up with XXXX. I knew nothing about this account until I tried to buy a car and did n't qualify for a low interest rate because of a default loan from XXXX. I came home and called XXXX to ask about this item on my credit score thinking it must be a mistake. At this time I did n't know it was XXXX that had set up this account. XXXX told me that they could n't talk to me about this purchase because it had been turned over to a collection agency and I 'd have to wait to hear from them. This happened XX/XX/2015. The collection agency of McCarthy, Burgess and Wolff called me XX/XX/XXXX or XX/XX/XXXX about this loan. This is when I found out it was my daughter that had defaulted on the loan. I have never received anything in writing from either XXXX or the credit collection agency. XXXX never sent me a bill and the purchase amount never showed up on our XXXX phone bill. I still have nothing in writing from the collection agency even though I have asked and they have said they would sent a letter explaining. McCarthy, Burgess and Wolff said they would go back to XXXX for us, then called back and said they had received a response from XXXX and I never saw that information either. I was just told to pay the bill. We have no proof that who called us or who we call is this collection agency. I still do n't know how much the Ipad cost or what else is on the bill. I was told that there is an XXXX % collection fee. How can I be harrassed and responsible for this bill when I have never seen a bill or even what exactly I would be paying for if I paid this bill? 

Thank you for any help you can provide. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX cell XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Collections Account Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my Equifax credit report by XXXX XXXX XXXX, and XXXX XXXX XXXX According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of California. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Equifax is obligated to investigate and correct or delete unverifiable data. 

Actions Requested : Proof of Licensing : Provide verifiable proof that XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX  are licensed to collect debts in California. 

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete these collection accounts from my credit report. 
Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 

Enclosed are the following documents for your reference : A copy of my credit report highlighting the disputed Credit Collections account. 
Documentation from the Nationwide Multistate Licensing System showing that Credit Collections is not licensed to collect in California. 

I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block, ink ) due to the end inadequate, customer service, and unfair particles which violate the customer financial protection act ( CFPA ) specifically Cash App prevent and address fraud on their platform leaving my account unprotected and vulnerable for more this dispute resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the electronic fraud transfer act ( EFTA ) in regulation. These actions have caused significant inconveniences and financial losses I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 
By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and Equifax have 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 data is inaccurate.