23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the accounts listed below on my consumer profile pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4 *XXXX Account # XXXX Validate Account *XXXX  Account # XXXX Validate account I read the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 168li ( a ) ( 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. )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me?

I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I demand the following accounts be verified or removed immediately. 

XXXX Account # XXXX Identity Theft *XXXX Account # XXXX Validate account Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address at XXXX XXXX XXXX XXXX, Alabama XXXX. 


Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I did authorize SoFi bank transaction Pay a Friend in the amount of {$150.00}. 

Money were moved out of my Checking account, as Transfer. 

Recepient has never received the money. 

SoFi bank has provided me with the Trace number and advised to work with the receiver 's bank. 
However, the transfer recipient 's bank was not able to see and to trace the money as they never reached them. 
My multiple requests for SoFi to present back office accounting transaction record were rejected by SoFi. 
My request to refund {$150.00} also was dismissed. 

There are records of multiple opened complaints/tickets as well as chat logs and phone conversations recordings available.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is fraudulently reporting on my EQUIFAX credit report.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

recently found out an account was being reported as charged off with XXXX XXXX XXXX XXXX. I have never opened said account and it was Fruad.
Product: Money transfer, virtual currency, or money service

Noticed that an unauthorized transaction occurred on my bank of america checkings account on XX/XX/2021. Someone transferred {$900.00} from my account using XXXX with an email I was not familiar with. Then they attempted 2 more transfers of {$850.00} and I called my banks fraud department immediately. I tried accessing my email to see why I didnt get notifications and I saw that the hacker was actively deleting them and constantly resetting my bank account credentials. They then attempted to transfer {$1000.00} and {$870.00} to separate emails on XXXX which were cancelled by my bank. I opened a claim and 10 days later I received a secure email from BoA stating that they rejected the claim due to the activity occurring on the same device that I use normally. How is that reasonable? I've been hacked and the hackers clearly tried to clean out my bank account.
Product: Mortgage

My husband and I own a condominium, which is a rental ( it is currently rented ). The XXXX mortgage is owned by Ditech. 

A little history : When I purchased the condo in 2002 ( before husband and I were married ), I financed it through Ditech, before they were taken over by Greentree. They were incredibly efficient, and I never had an issue with them. Fast forward a few years, they were taken over by Greentree, and THEN the problems started. I have paid our mortgages ( for our rental, and our own house ) every two weeks, on the days we get paid, for years. I send a 1/2 payment, which helps our finances run smoothly, AND I send a little extra, so the full payment is always a little extra. Well, when Greentree took over the old Ditech, I started receiving these snarky notices in the mail stating my account was past due, and my statements reflected I was over 30 days behind. I thought, good grief! Has my trusted credit union wronged me? I double checked my payment history on my credit union 's website ( I pay everything online ). All payments were sent, exactly when I scheduled them, AND the money was deducted from my account. 

I contacted Ditech and asked what the heck was going on with my account. They explained, that since I paid my bill in partial payments, the incomplete payments were placed in an " unapplied funds '' purgatory. What they failed to do, was post these unapplied funds to my account in a timely fashion, so I wound up in the hell- fire land of late fees and phone calls demanding payment. 

I thought this situation was pure comedy. Was this happening??? Here we were, being super responsible, paying bills on the dot every two weeks, PAYING EXTRA, but they STILL put my account in the bad place. They claimed there computer system " could not process partial payments ... '' They literally said this. I freaked out. I did battle on the phone about once per month, to get them to APPLY my payments to my account. 

Fast forward again, Greentree was taken over by the second iteration of Ditech, and now this happening all over again. My mortgage is XXXX per month. I send {$400.00}, religiously, every other Friday. I checked their website, which clearly shows my excellent payment history, but when I clicked on the " details '' button for each payment, several of the payments showed in " Unapplied Funds '' meaning, they have literally NOT applied SEVERAL payments to my mortgage account, going back to XX/XX/XXXX!!! What?!?!?! And I am receiving these snarky notices again, that my account is past due. 


This whole thing is soooooo beyond frustrating. I hope you can help. 

The property address this complaint is related to is : XXXX XXXX XXXX # XXXX XXXX, CA XXXX Thank you! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CCM finance is reporting negative account to my credit. They are stating that i had an account with late payments and i do not remember that ever happening. I have sent several disputes and i also sent a method of verification showing that i had an account with them that was ever late. CCM finance never got back with me. This is a violation of FCRA 623 ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of CFPB lawsuit with significant issues with Zelle. Despite using zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claims and stated there was nothing they could do about the situations. They let me know recovering lost funds was not possible and they could not track funds. The CFPBs findings indicate that zelle has not only neglected to protect consumers but also allowed repeat offenders neglect the system. Leaving users to scams. This is unacceptable and raises serious concerns.
Product: Bank account or service

On XXXX XXXX, 2015 I spoke to XXXX XXXX at Discover Bank Web Support because my Online Bill Payments ( bills sent directly from the bank using the website ) displayed in XXXX different ways on my statement. Please note that I 'm only referring to payments to individual people that are sent by Discover Bank through the mail, these payments are not being sent electronically and there are no " account numbers '' associated with bill payments to these individuals. 
Some of my payments display as " Online Payment '' and others display as a check number, even though the bills were sent to the same person, by the same bill pay method. Please see the example below. 

XXXX/XXXX/2015 XXXX XXXX Online Payment $ XXXXXXXX/XXXX/2015 Check XXXXThe bills listed as " Online Payments '' are being deducted from my account on the day they are scheduled to arrive at the payee 's house, but the bills listed as a check are only deducted when the check is cashed. Bills listed at " Online Payments '' are deducted even if the check has n't been cashed. When I contacted Discover I was told the company that process Discover 's bill payment processes some bills as " Draft Checks '' which are only debited when they are cashed. The company processes other checks as " Single Check '' and these are debited from the account the day they are scheduled to arrive, even if they are n't cashed. Discover could n't explain why payments are processed by XXXX method or the other, and I was also told that I could not choose which way my payments would be processed. This is not what it states on the Discover website. 
On the Discover Website under " Help / Checking FAQS '' it states : I scheduled a bill payment, why has n't my available balance changed? 
Paying a bill with Online Bill Pay is similar to writing a check. When you schedule a bill payment, your available balance does not change until the individual or company you are paying actually processes or cashes the payment. 

This is not true. My payments labeled as " Online Payments '' are being deducted even if they are not cashed, not when the check is cashed.
Product: Debt collection

Attempted to rebuild my credit file and found this Debt that should not be on my credit profile being that i was Incarcerated at the time of this purported Debt from CAPITAL ONE BANK in the amount of {$300.00} with an account number of XXXX, I also have my Release papers to confirm these dates, if i must obtain a police Report Identity Theft form i will do so being this account is fraudulent in nature and being Reported as Verified by the 3 major credit bureaus without a full investigation and proof of all documents.
Product: Credit reporting or other personal consumer reports

THIS COMPANY I DO NOT SHARE ANY DEBTS WITH. THEY FRAUDULENTLY ADDED THIS ACCOUNT TO MY CREDIT REPORT WITHOUT MY CONSENT. I DO NOT HAVE A CONTRACT WITH THEM NOR DO I HAVE A PAYMENT AGREEMENT. THEY WERE UNABLE TO PROVIDE ME A CONTRACT OR ANY FORMS I SIGNED CONSENTING ME MAKING ANY PAYMENTS TO THEM. MY RIGHTS HAVE BEEN VIOLATED AND THESE REMARKS HAVE BEEN DETRIMENTAL TO MY LIFE AND CREDIT HEALTH.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed on my Experian, XXXX  and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, XXXX Credit Card from XXXX  Card Services, XXXX XXXX XXXX from the XXXX XXXX XXXX, XXXX  Card from the XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has not reported my on time payments. Also they are reporting this as a personal loan which it is not. Its a vehicle loan. They have the title to my truck for this loan. Its a vehicle loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian XX/XX/XXXX and XX/XX/XXXX with regards to the account XXXX XXXX XXXX First I advised Experian that I have never opened an account with this company. I requested from Experian to send me a copy of the signed contract or signed agreement that I have with this company and or documentation they used to verify that this is my account. As of today they have not done so. I also asked Experian to explain how can they report an open date of XX/XX/XXXX and a last activity date of XX/XX/XXXX. That's telling me there was no activity since its is the same date. But they are reporting this account as derogatory. Experian continues to report inaccurate information.
Product: Credit card or prepaid card

I had a past due credit balance. This account was settled in back in XX/XX/2022. XXXX failed to notate on my account that account would be brought to current. Due to the mistake a fraud made on behalf of agent, account has been incurring late fees and interest. I been receiving an obsessive amount of calls from agents trying to collect payMent. I was informed by supervisor that in order to fix this issue I would have to write in a dispute to come its bank so that they may pull records call and verify that account would be brought to current with payment made. Im still receiving these calls despite receiving a letter from Comenity bank stating issue is being investigated. I answer calls daily and explain pleasantly to agents that account is being investigated as its supposed to show current and XXXX balance. Today I received a call from agent who was harrasing me and refusing to identify herself. Agent consistently refused to identify herself or where she was call from or purpose of call ; and kept asking to speak to XXXX XXXX. It became very scary and very harassing very quickly. I informed agent I would be calling back and speaking to supervisor if she did not identify where she was calling from. Agent refused and continued tactics. Because of this whole situation I am suffering mentally due to dealing with the stress and harrassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX XXXX XXXXXXXX XXXX & they told me I've never missed a payment, yet XXXX and Transunion refuse to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. Iconstantly have to do XXXX and Transunion 's job for them to shield my credit & prove myidentity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting or other personal consumer reports

So, as you can see on the report it's showing two accounts reporting on my history. The progressive file wasn't given any permission to open. The XXXX XXXXXXXX file was a paid in full account that is still being reported as charge off. The following address on that file isn't my correct home address. The Address listed below on the letter is my current address and has been the only apartment I've ever lived. I would like These accounts to be analyze soon as possible - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, experian and XXXX about late payments on my account. I pay all my accounts onetime and was never late. 15 U.S. Code 1666b - Timing of payments ( 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. My accounts are not to be shown late because these 3 accounts are open deeded credit plans. Also there are multiple inaccuracies on these 3 accounts. This is fraud because the law says that my accounts are not to be shown late and there are a lot of inaccuracies on these accounts.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX XXXX LAST NAME : XXXX XXXX XXXX XXXX XXXX security freeze
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file. 

XXXXXXXX XXXX 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

On ( XXXX/XXXX/202 '' ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

Citifinacial reporting false information to all XXXX credit reporting agencies twice under XXXX account # 's and never gave me the opportunity to dispute the debt before it was added to my credit reports.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the CFPB on XX/XX/2024 as well as several FTC reports with the Federal Trade Commission which included several fraudulent accounts that were removed from my XXXX and TransUnion reports but four fraudulent accounts returned to my XXXX report and three fraudulent reports returned to my TransUnion report. None of the fraudulent items I requested were removed from my XXXX report despite the fact I sent FTC reports along with a signed affidavit to all three credit bureaus. Lastly on XX/XX/XXXX, I sent a litigation letter to XXXX in a last attempt to resolve this matter and they only removed one of the four fraudulent accounts they had relisted a month prior. I ask you respectfully to resolve this matter because the bureaus are not willing to remove these items and have not delivered the original contracts and signatures of these fraudulent accounts to me as documented proof. Please take time to remove these accounts. I have listed them below. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX