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

My account with XXXX was never late! I have had exceptional payment history witH XXXX 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 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 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 or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

Hello XXXX XXXX XXXX in my previous complaint I request documentation proving that this alleged debt is in fact mine. I requested what is known as debt validation and proof of contract meaning the contract between myself and your company, Also the wet signature signed by me proving that the debt was in fact incurred by myself. Also I see in an attempt to circumvent the FDCA and my personal right to see the debt validation including but not limited to what i have already requested Yo u have decided to sue me in court in hopes of me not showing up and you receiving a Default Judgment. Well I will be showing up to the cort date and I hope to receive the hard copies of debt validation that I am requesting today and have previously requested. I intend to request the judge hold you to the Fair debt collection act standards. I will be bringing both this copy to show the judge and my previous complaint. I look forward to being heard in court. Thank you for your time. Also if you can bring the copy of notice of my rights to dispute this information that you allegedly sent me thank you for your time.
Product: Debt collection

Triton was hired to recover a XXXX debt default we had. We have a lawyer looking into it filing charges against them and the XXXX lender. Their agents and process servers take photos of children both mine and my friends without consent. Take photos of cars parked in front of a house that does not belong to be or I reside in. Their collections agent calls and messages random numbers providing personal information in group chats with people I do not know compromising my safety and that of my children. They have seized my bank account even though there is a huge lawsuit pending against them for their nasty behavior. Collector has screamed at me, threatened me by taking everything I have, has told me once they are done with me I will have nothing to provide for my children. XXXX has been a vulgar individual even though I have tried working with her multiple times to resolve the issue but she refuses to work with the situation going on.
Product: Debt collection

this account from XXXX XXXX was opened by fraud. i had this information blocked off my credit with a police report and then this company bought the debt and put it back on the credit per fcra they violated the law im asking for them to detete off credit reports asap national credti adjust date opend XX/XX/2021 balance XXXX
Product: Credit reporting or other personal consumer reports

XXXX 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 XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I tried to link my XXXX account to my American Express savings account. 
XXXX account show up as XXXX XXXX because that is the bank they use for US currency. After linking, my American Express savings account is frozen. 

I called them and uploaded the statement from XXXX as requested. 

My American Express savings account is still frozen.
Product: Credit reporting or other personal consumer reports

These accounts are not mine and should be removed from my report immediately per my consumer rights. I appreciate the time and attention to this matter. 

Thank you!
Product: Vehicle loan or lease

I tried to negotiate a settlement offer with this company and they wouldnt go down more than XXXX dollars from a XXXX balance. Which is ridiculous to me. Thats not much of a negotiation. Now its constantly bringing down my credit.
Product: Credit reporting

XXXX is reporting on behalf of Equifax , They are showing XXXX accounts open that should be closed through a discharged bankruptcy.Equifax says they have them showing closed but yet they show open through XXXX.
Product: Checking or savings account

I am writing to express my frustration and concern regarding a recent issue with my paycheck deposit. Despite my employer 's timely submission of the deposit, I have not received the funds in my account due to technical issues on Capital One 's end. 

This situation has caused significant inconvenience and financial strain. As a loyal customer, I expect reliable service and prompt resolution of such critical matters. 

On XX/XX/year>, at XXXX XXXX, I contacted Capital One to inquire about the delay in receiving my direct deposit paycheck. XXXX from customer service informed me that Capital One was experiencing technical issues. When I requested to file a complaint, I was advised that Capital One does not have a dedicated complaints department and that all concerns must be addressed through customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to again assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please delete the following items listed below in my personal file : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 dispute letters over the course of 5 months to Experian disputing items on my credit report that is inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. 

XXXX XXXX - 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

My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from XXXX XXXX located at XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013.
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The balance showing owed/charged off is {$950.00}. I have no knowledge or ownership of an account from XXXX XXXX. I have also never owned a checking or savings account through this bank.
Product: Credit card

I have received over XXXX calls from this time period just on my cell phone alone from Synchrony bank, including automated messages each time. I have received at least the same number of calls at my work number XXXX and XXXX as well as voice messages and I am not allowed to have phone calls of this nature at my work numbers and my cell phone number XXXX since I also use my cell phone for work purposes. I am requesting to not be contacted at either of these numbers. This company is violating the privacy policy as I have already requested them to remove these numbers and they continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I conacted santander in regards to this charge off on my credit thats been there for years and requested that they remove the incorrect information. AFter years of trying i started to see if there were any other ways to get this fixed I contacted XXXX and XXXX  along with XXXX with no success. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Product: Credit reporting or other personal consumer reports

Several months ago I noticed errors found on my credit report due to incorrect reporting and compliance. I reached out to Equifax and XXXX numerous of times but it seems that nobody was able to help me. When I notified it Equifax and XXXX, they refused to report accurate information and information that is in compliance with the federal law. 

In accordance with the Fair Credit Reporting Act Account # 1 XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Account # 2 XXXX XXXX XXXX XXXX  has violated my rights. XXXX5 U.S.C 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act Account # 3 XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act Account # 4 XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act Account # 5 XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

This is a cash back offer for opening a Betterment account thru XXXX. 
Here are the terms from Betterment/XXXX  : Cash Back is only earned for a funded Betterment Checking, Cash Reserve or Investing account of at least {$1.00} for checking products and {$10.00} for Cash Reserve and investing products, and is not available for other Betterment products or current Betterment customers. 
Cash Back will be automatically added to your XXXX account tomorrow. 

I opened the account on XX/XX/XXXX. I received this email after account opening on XX/XX/XXXX : from : Betterment Support XXXX reply-to : Betterment Support XXXX date : XX/XX/XXXX, 9:58 AM Betterment Welcome, XXXX! 
Your financial future now shines brightly. 
Let 's start by helping you get the most out of your Betterment account. Here is your progress : Congratulations on funding We're excited to start helping you earn more with Betterment Cash Reserve.

Turn on Two-Way Sweep Two-Way Sweep automates our advice on your extra cash by seamlessly transferring your cash back and forth between your linked checking account and your Betterment Cash Reserve. 

I received an email that the deposit was completed on XX/XX/XXXX. See email text below : from : Betterment Support XXXX reply-to : Betterment Support XXXX date : XX/XX/XXXX, XXXX XXXX  subject : A deposit to Cash Reserve is complete Betterment A deposit to Cash Reserve is complete From : XXXX XXXX XXXX XXXX Checking XXXX To : XXXX XXXX XXXX XXXX Personal Account Deposit amount : {$10.00} I have yet to receive any credit from XXXX after contacting support numerous times. They are working with Betterment to confirm the offer was met and I don't understand why it is taking so long since the terms say cash back should be credited " tomorrow. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now
Product: Checking or savings account

My XXXX son has been making some poor choices including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am on a XXXX  XXXX XXXX account with my son at Chase where I see the bank is allowing him to use his XXXX XXXX debit card at XXXX XXXX Chases XXXX XXXX checking account is for students XXXX years old. 
On XX/XX/2023 I emailed XXXX XXXX XXXX XXXX to investigate illegal sales to a minor. Their response indicated I needed the full address of the merchant which was not evident in the transaction details. 
On XX/XX/2023 and XX/XX/2023 I called Chase to get more information on these transactions, I was told XXXX XXXX checking accounts dont have restrictions on where they may be used and that they could not provide the address of the merchant. 
On XX/XX/2023 I emailed Chase XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ). On XX/XX/2023 I emailed Chase XXXX XXXX. On XX/XX/2023 I contacted Chase through XXXX where I was told the issue was referred to the Executive Office.

Chase has not gotten back to me and their irresponsibility around corporate citizenship and protecting our youth needs to be evaluated. I would like your help or direction in seeing that that is accomplished as well as resolving this issue which is perpetuating the XXXX XXXX XXXX
Product: Credit card or prepaid card

I called in XXXX to make payments to my 2 Barclays credit cards, I didnt have access to my accounts and spoke with a customer service member. He confirmed that payments would be made to both accounts, in which I asked twice because I had a hard time understanding him. 
I then received notice I was 30 days late, I called and was told it would be corrected and any fees would be reversed. The fees were reversed but late payment was never corrected. Ive called over a dozen times and told it will be done. Today, I called twice and after being on hold, its disconnected.
Product: Credit reporting or other personal consumer reports

I sent letters off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. 

Wrong employees : XXXXXXXX XXXX XXXXXXXX, XXXX. 

Wrong address : XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a MYEXPEIRAN account which I am unable to login but hen i try to dispute I am getting an error that I cant dispute online. Seems ironic every time I dispute I m unable to access dispute online but can enter my account to see information. Pls correct this issue as this is a hige inconevenice. If youve already verified my account I should beable to dispute in my account. 
As stated in previous dispute ( s ) the below accounts do not belong to me. Pls remove : XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX || Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 

The letters are stated with items and issues. 

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 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 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 information is inaccurate.