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

I sent a request to XXXX XXXX and Experian back on XX/XX/year> and I did not get any results from my request. 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX acknowledged my request and corrected my credit file. They removed the items listed below. 

XXXXXXXX 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  I am sending copy of the results from XXXX with XXXX that you will acknowledge my request as they have and remove the listed accounts. Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy. 15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX )
Product: Debt collection

On XX/XX/2022 I finally set up monthly autopay on my aspire credit card, and noticed for the first time that my monthly payments were not bringing my debt down, therefore, I researched my e-statements and discovered that the minimum payment due indicated on my app account portal dashboard doesn't reflect the actual minimum amount due, as a result, I made the minimum payment due on my dashboard but since it is not the actual amount owed I've been charged with late fees. I have screen shots to support my argument. I have since cancelled autopay and will check the actual amount due before I make a payment, but I don't know how much money I lost due to this unfair credit card debt collection.
Product: Credit reporting 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 delete these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX 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 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 months that are reported late 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 XXXX XXXX XXXX XXXXXXXX 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: Payday loan, title loan, or personal loan

I applied a balance transfer from my credit union account to cover the balance of my loan on XX/XX/XXXX. At that time, the balance was just over {$600.00}, with biweekly payments of {$170.00} being made via auotpayment. 

The credit union sent the funds immediately. When I received notification from XXXX that the next scheduled payment was due to be withdrawn from my account, I called them to inquire why. I was told I needed to " learn to understand how loan payments work '' [ I've worked in financial services for over a decade and needed a short term loan to cover bills ]. 

I asked to be transferred to someone else, and spoke to XXXX. He asked me to contact the credit union. When I did, I was informed it could take as long as a month for funds to disperse to the creditor. 

Today ( XX/XX/XXXX ) I again was informed that my autopayment would be applied on XX/XX/XXXX. I called XXXX and after multiple attempts at explaining the situation to them, was told I " just need to call the credit union ''. I've asked the credit union to validate where the funds went. In the meantime, after 6 phone calls spanning a month, I'm gotten no farther in finding out what happened with the payment with XXXX.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX NEVER GAVE ( XXXX, XXXX OR TRANSUNION ) ANY VERBEAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT A COPY OF THE LAW IS ATTACHED WITH THE DISPUTE I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT PROFILE AND YOU HAVE NO PERMSISSIBLE PURPOSE BY THE LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEFT PURSUANT TO 18 U.S.C. 1028 A. YOU HAVE KNOWINGLY TRANSFERRED POSSESSED OR USED WITHOUT LAWFUL AUTHORITY A MEANS OF IDENTIFICATION OF ME WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF IMPRISMONMENT IN ADDITION TO CICIL LIABILITY THE FOLLOWING ACCOUNTS ARENT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical Bill with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) at XXXX XXXX XXXX, XXXX, GA XXXX, Phone XXXX and XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX FL XXXX phone XXXX Medical Services were around XXXX XXXX, 2016. Payments have been and are currently still being made as agreed {$10.00} / 2 weeks. All payments have been tendered by creditor and is now being reported as negative on my credit report.
XXXX XXXX XXXX Acct. # XXXX XXXX  Acct. # XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I noticed a credit inquiry dated XX/XX/2023 on my XXXX Credit File. The inquiry from CredCO/XXXX XXXXt states it was a " XXXX XXXX '' inquiry. I did not complete a real estate application with CredCo/XXXX XXXX on this date or any other date. 

I called CoreLogic Credco at XXXX to dispute the inquiry and their message said their phone system is not working to call back late. I tried their website and was not able to submit a request for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please send me proof of method of verification and sent me the contract that I originally signed. The only letter I received is saying that I owe. I have not received any communication regarding the validity of debt.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX is writing in concerns of DEPTTEDXXXX for reporting to the credit bureau that my payments were more than 30 days late. I have no knowledge of my payment being late I was not sent this information nor did I speak to anyone about my payment being late. Im on XXXX and I reported this to the student loan department. They can pull my social and tell that Im unemployed. I truly have been stressed out behind this situation it has taken my credit for a turn to worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is in violation Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 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. 

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ). 

I am writing to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit. I would appreciate it if you deleted these items promptly as it is hindering me.
Product: Debt collection

Portfolio Recovery is continuously contacting me at XXXX am. Which is a complete disturbance of my sleep! I have screenshots and have verified the number. This is harassment. I am wanting this complaint to serve as documentation as well as the company face the consequences for harassing consumers.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX, N J XXXX 2ND Notice XX/XX/XXXX PAYPAL CREDIT C/O Synchrony Bank  XXXX XXXX XXXXXXXX XXXX Fl XXXXXXXX Via Certified Mail RE : XXXX XXXX SS # Account # This is the 2nd written request. You still have not complied and continue to charge fee to this account. In as much as you fail to comply with my request for documentation, I am NOW requesting that all charges be discharged and my account brought to XXXX {$0.00} This is the 2nd formal request to Freeze all Paypal Credit accounts under my social Security number ending with XXXX and stop charging fees and interest until the account can be verified. I have request numerous times over the last 24 months for a COMPLETE AND FULL DETAILED TRANSACTIONAL ACCOUNT HISTORY from the very first transaction, for which you have failed to provide a full accounting of all transactions and continued to charge me interest and fees. 

The earliest statement you have provided was for XXXX XXXX which already had a balance of {$3100.00}. I have never received COMPLETE AND FULL DETAILED TRANSACTIONAL ACCOUNT HISTORY FOR YOUR OPENING BALANCE PRIOR TO XXXX XXXX which you claim is {$3100.00} to include TRANSACTION DATE, VENDOR AND PURCHASE DETAIL this account from the 1st Transaction and 1st Dollar. 


I have never requested any credit from PAYPAL with the exception of a Paypal MasterCard which has a {$300.00} limit. Any and all transactions were to be a direct debit from my bank account. I, will not make any more payments or be held liable for interest or any fees not limited to late, past due and over limit fees until this account can be verified by me. For which you continue to make payment demand on the phone and by mail. 

In the quick review that I have made, there are charges for late fees for payments that were made on time and also double charges on the same day for the same vendor and amount. In additional to transactions unrecognizable This is just a few examples of the errors being made by your company. 

Sincerely ; XXXX XXXX In addition the creditor made attempts to charge my XXXX XXXX XXXX FOR THE PAST DUE LATE PAYMENTS THAT ARE IN DISBUTE.
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance in resolving an issue related to inaccurate reporting of my XXXX  loan accounts by the three major credit bureaus. On XX/XX/XXXX, I submitted documentation to XXXX, Experian, and XXXX requesting corrections to the reporting of my XXXX  loan accounts serviced by XXXX and XXXX. Despite this, the inaccuracies remain unaddressed, and I am seeking your intervention to rectify this matter. 

The specific issues involve incorrect reporting of late payments for the following months : Year of XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( All if I missed dates ) These late payments are erroneously recorded across all 17 accounts managed by XXXX and XXXX. 

In reality, I successfully made on-time payments for 10 consecutive years and achieved forgiveness through the XXXX XXXX XXXX XXXX XXXX XXXX ) program. Given my consistent adherence to payment schedules and the subsequent loan forgiveness, the records for all these accounts should reflect " never late '' and " no delinquency. '' The current inaccuracies have caused undue stress and negatively impacted my financial well-being. 

I believe these errors are the result of non-compliance by the loan servicers and request the CFPBs assistance in ensuring that the credit bureaus update these records to accurately reflect my positive payment history. I have attached supporting documentation, including payment records and correspondence with the credit bureaus, to facilitate your review. 

Resolving this matter promptly would greatly alleviate the burden this situation has placed on my life. I appreciate your attention to this matter and your commitment to protecting consumers.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below is the list of the account that is still reporting on my account : 1. WAKEFIELD & ASSOCIATES ( Original Creditor Name XXXX XXXX XXXX ) Opened XXXX XXXX, 2015 Balance {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, Experian and XXXX. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Product: Checking or savings account

We are a merchant with a business account with Wells Fargo Bank. Our operations include in person and online sales. Between XXXX XXXX XXXX XXXX our website was attacked by what seems to be a robot which attempted XXXX purchase transactions from which a small portion got approved and have been charged back since. 
Nonetheless, the card processing fees alone for the XXXX and so transaction-attempts mounted up to a total of {$13000.00}. 
Wells Fargo decided unilaterally, that they would do " a-one-time courtesy refund of about 80 % of the total amount '' of the aforementioned fees and that we, the merchant should still pay up the remainder of {$4400.00}, for " not having sufficient security measures in place '', in order to prevent this activity. 

We have consulted with a web services technician and have been advised that there no security measurements within our dashboard that may prevent an attack so big and orchestrated. In fact, an attack so big should have been detected by the processing networks and stopped it after the few XXXX transaction attempts. 

At the same time, we are still dealing with the chargebacks and keeping track of them. 
At this point, we just want to refunded in full for processing fees derived from the attack, so we can be net XXXX from that episode and carry on with our business. 

Please advise. We thank you beforehand for your time on this matter. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Vehicle loan or lease

I left a lease early and leased another vehicle with the help of the factory. The finance company assumed a very aggressive estimated future property tax amount. I knew it was too high and told the company I would pay them {$150.00} a month until the actual property tax bill came in. The estimated tax was hundreds of dollars higher than the actual number. I confimed that number with the local municipality. I called the leasing company with this information and they informed me that they would look into it. I never received a call back or letter regarding my issue and the leasing company continues to call looking for the fraudulent amount.
Product: Debt collection

Purchased a {$580.00} XXXX XXXXXXXX from XXXX. Billed on XX/XX/2022. 

XXXX XXXX XXXX. XXXX Shipment tracking XXXX XXXX Delivered On Monday, XX/XX/XXXX at XXXX XXXX at Front Door {$55.00} discount was given to the order for a {$55.00} refund but the date of the discount is backdated to XX/XX/2022 prior to the purchase. The purchase was paid through Affirm on XX/XX/2022 for {$580.00} then there is a {$55.00} refund adjustment with a date of XX/XX/2022. 

XX/XX/2022 I paid {$98.00} to Affirm using my checking account to pay Affirm. Thus at this time the remaining balance was {$430.00}. 

XX/XX/2022 a {$50.00} shipping charge was created and a shipping label sent via email for the return. 

Returned the XXXX XXXX Return shipment XXXX Delivered On Friday, XX/XX/XXXX at XXXX XXXX at XXXX  XX/XX/2022 Received an email confirming receipt of return item and affirmation that a return of funds would occur. 

XX/XX/2022 Disputed the {$98.00} payment paid on XX/XX/2022 using my checking account because no refund had been processed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am filing this FTC identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal charge account opened at XXXX XXXX XXXX on XX/XX/XXXX2018 under the account number XXXX, an credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX2016 under account number XXXX, a collection utitliy account opened at XXXX XXXX XXXX under account number XXXX. Theses accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Since I have been a customer, either my payments are not registered on my account or my certified cashiers checks are placed on hold. The certified cashiers check from XXXX are GURANTEED FUNDS .No one can explain to me why payments have this interference. 

Either my payments are missing or placed on a 5 day hold. I am attempting to use the card but keep a zero balance so I mail my payments in advance.

I am hoping to buy a home and have to keep my cards low or zero balance.

I feel that my account and my person has been " singled out '' by this company.