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

TO WHOM IT MAY CONCERN I recently received a copy of my XXXX Credit Report, XXXX and Transunion Credit Report and I noticed some late payments posted on my credit report. 

XXXX XXXX XXXX Account XXXX XXXX XXXXXXXXXXXX Date of Late Payment - XX/XX/2023 Date of Late Payment- XX/XX/2023 Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states : ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 . 

Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX Enclosed- copy of ID and bank statement showing proof of address.
Product: Credit reporting

An account belonging to my father of the same name was placed on my credit report and subsequently disputed online via Experian.com. The creditor refused to remove the account from my credit report.
Product: Debt collection

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX I mailed the Verification of debt on the first date and then the validation of debt on the second date to LVNV FUNDING LLC This is a third-party debt collector who I do not have a signed contract with and I have not provided my information to this company. I have also sent letters to the 3 major credit bureaus as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  XXXX  XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Vehicle loan or lease

I have a car loan with Capital One Auto Finance. In XX/XX/2017 I was using a charity company to help pay my car note because I lost my job and wasnt starting a new one until the end of that month. They company contacted them to pay the bill for my but was advised they had to mail the payment in. The charity company mailed it within a day or so. It then took Capital One 2-3 weeks to post the payment to my account making it late. The charity company and I called to see if it posted but we were advised it can take time. This made me incur a late fee on my account and credit report. I asked if I could have a good faith removal and was advised no, even though it took forever for the payment to post and the notes in the system backed it up. 
Im trying to refinance and because of that late fee Im getting denied.
Product: Credit card or prepaid card

I applied for a Sams credit card online. I was approved. I never received the card. All of a sudden Synchrony Bank calls me about the card. On XX/XX/21 someone charged XXXX at Walmart and {$24.00} at XXXX XXXX. They are saying that the card was activated by my home number. Impossible! I think someone XXXX  my home number. They will not take the charge off. If you XXXX  my name my home number shows up and I wasn't even aware of spooking but 1 of the synchrony agents told me about it. I have been disputing these charges since XXXX. Please help. I have always been a good customer to synchrony and always paid my credit card bills.
Product: Debt collection

On XX/XX/XXXX and XXXX, 2017, I received repeated and harrassing calls/voice messages from XXXX, one XXXX XXXX, representing XXXX XXXX XXXX and saying he is calling about a debt. He advises me to call XXXX for any questions yet this number goes to Bank of America mortgage which is where I have a home loan which is current and not unpaid. 
Please help with this harrassment which has consumed two days for me. I have tried to contact XXXX XXXX at the above number at extension XXXX but he is not at his desk and has not returned by phone voicemail. 
Thank you, XXXX XXXX
Product: Credit card or prepaid card

SR # XXXX complaint against XXXX  followed by Multiple charges with XXXX company states us treasury closed the card due to fraud alert customer can not get XXXX us live support difficult to resolve with language barrier direct Express forced beneficiary to purchase new card new xard comes with minimal balance does not have details of XXXX us dollars XXXX dispute
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING 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 the

y 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 XXXX  days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { 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. 15 U.S. Code 1681i [ 5 ] 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 reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

I opened up a credit card with TJ Maxx. My billing cycle for the month of XXXX ended on XXXX XXXX, 2016, and my balance for XXXX was {$150.00}. ( Statement 1 ). On XXXX XXXX, 2016, per my auto payment agreement, money was drawn from my bank account, but it was only for {$100.00}. ( Statement 2 ). So I called the TJ Maxx customer service and asked them to explain the discrepancy to me. And they said that they arrived at {$100.00} by subtracting my return of {$87.00} and then adding {$38.00}. ( {$150.00} - {$87.00} + {$38.00} = {$100.00} ). I told them the new purchase of {$38.00} was made on XXXX XXXX, 2016 which was after my billing cycle ended. However, they said that since my true balance without the new purchase ( {$150.00} - {$87.00} = {$63.00} ) is lower than my original balance ( {$150.00} ), they just added my new purchase even though it was made after my billing cycle ended. However, TJ Maxx had no right to do so. First, it is a breach of contract because the contract states " You must pay at least the total minimum payment due on your account by XXXX ( ET ) on the due date of each billing cycle. '' What they charged me was my entire outstanding balance, not the minimum payment, and some of my outstanding balance are not due until sometime in XXXX. More importantly, it is a deceptive practice. I did not expect and certainly should not be required to pay for a purchase made after my billing cycle ended. However, a representative of the customer center confirmed me that this is how they charge their customers, and they will do it again if my true balance is lower than my statement balance. So clearly, they have this practice of charging customers before the due date, and it is not right. I have attached all the documents to support my claim and am willing to provide further information if necessary.
Product: Credit reporting or other personal consumer reports

I did not personally rent an apartment from the company they are attempting to collect this debt for. XXXX XXXX XXXX XXXX XXXX did a corporate lease with the company and this needs to be removed from my personal credit report immediately. There was no personal guarantee for this business debt. 
I have attached a copy of this lease agreement as proof that I was only an occupant and the lease holder and responsible party was XXXX XXXX XXXX XXXX as shown on page one of the lease.
Product: Debt collection

I noticed a debt from Credit Protection on my credit report from XXXX XXXX. Thats odd becasue I 've had XXXX XXXX since 2006. I also noticed an account transfer from an apartment to another apartment, thats also odd considering I have been buying my home since 2006. I never gave anyone permission to request services from XXXX XXXX, which will open an account to anything or anyone under the sun without asking for proper ID. Now a collection account is showing for an account I never opened.
Product: Credit reporting or other personal consumer reports

Correction to my credit report, I demand this account be removed from my credit report from XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANIES HAS NOT BEEN UPHOLDING CONSUMER LAW AND ABIDING BY LAW IN ATTACHMENTS ARE DISPUT LETTERS WHICH WERE SENT CERTIFIED TO THE CREDIT BUREAUS WENT UNANSWERED THEIR BREAKING THE RULES AND GETTING AWAY WITH IT.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Service attempted to collect a debt from me. I was an authorized user ( without my knowledge ) on my mother 's XXXX credit card. She passed away a year ago, and the card has not been used since then. I am not the executor of her estate. 
I informed Portfolio Recovery Service and asked them to provide me anything from XXXX showing I was responsible for the debt. 
They did not respond to my request. They then reported the collection account to all the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$15000.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$19000.00}
Product: Debt collection

Ally Financial is reporting an auto loan on my XXXX  credit report. They just started reporting about 4 months ago. I called and spoke with them and found out that the vehicle was reposessed in XX/XX/2016. They referred me to a collection agency who informed me that the statues of limitations has past for collecting on this debt. I informed and submitted an Identity Theft Police report which shows the vehicle being mentioned as fraudulent. The collection company informed me that Ally Financial told them to keep the account open no matter what and still contact me to collect on a debt that they know that is fraudulent and also past time limit to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BKPT CT XXXX XXXXXXXX XXXXXXXX US BKPT CT  XXXX XXXX XXXX US BKPT CT XXXX XXXX XXXX US BKPT CT XXXX XXXX XXXX US BKPT CT XXXX XXXXXXXX XXXX Experience refuses to remove this of the credit report. After providing numerous documentations to them for over a year. The responses the company has verified it. The last time they stated to me that the court verified it. Attached is a letter from the Bankruptcy Court of New Jersey. I will like this problem rectified or Ill be seeking further legal action. Regarding Experian misrepresenting itself stating that it has verified the information with the court. In good faith. Im trying to resolve this as quickly as possible.

I have contacted XXXX and they have provided me a copy of my consumer report and it is not showing any type of bankruptcies. Also, to this date, XXXX XXXX and XXXX have removed the bankruptcies reporting
Product: Checking or savings account

My phone and XXXX Chime debit cards have been stolen over the course of the last XXXX months, beginning in XX/XX/2023. I filed multiple police reports and have reported the fraud to Chime Bank. They have continuously denied my claims. The total amount of fraud is now totaling {$7000.00}. 
The claim numbers and amounts are as follows : XXXX - {$2400.00} XXXX- {$3000.00} XXXX- {$1200.00} XXXX- {$300.00} Bank Name : Chime Account number : XXXX Routing number : XXXX
Product: Credit card or prepaid card

First of all, none of the question I selected before explains what Im experiencing. I will need to go into details for you, it's lengthy. This is to the Pre-paid XXXXXXXX XXXX  card. 
I was a victim of theft in XX/XX/XXXX, my card was frozen without any communication from the institution. After trying to use my card the weekend of XX/XX/XXXX, B of A froze my account so, I proceeded to a B of A branch. That weekend was my first time accessing my prepaid on line account. Upon doing that I was able to see charges in XX/XX/XXXX which I didn't make. Keep in mind, I have in my possession the same card from XXXX so when XXXX reloaded funds, the thief who had my information, cleared out my account of remaining funds. I filed 2 claims, the first one was {$190.00} second one was {$1300.00}. the claim for {$190.00} was paid with no problem however the second one wasn't. I called and asked them why. Some excuse was given and it was suggested by B of A representative to file a police report. Which I completed before the call and was currently waiting on a copy to present to the business. I received all faxing and mailing information for B of A. Since XX/XX/XXXX I have faxed copies of the police report 12 different times!!!!! I EVEN FAXED FROM A B of A BRANCH. I have called everyday for a month, and there is still no signs of any of my faxes as of today. On the XX/XX/XXXX I mailed it using 2-Day service to the claims department in AZ, still they do not see any of my forms. XXXX, XXXX XXXX XXXX, XXXX XXXX. I've asked for a phone number or an email to anyone in the Claims Department and none of the 17 representatives I spoke with could get me any farther than a fax # or address. This is XXXX believable, don't you think so? I feel the corruption is coming from within. Why this issues can't be resolved as quickly as the 1st claim?
Product: Money transfer, virtual currency, or money service

Venmo froze my account immediately after i tried to conduct a transfer of my funds to another account that i authorized. I got an automated email requesting my photo ID. I submitted the requested documentation, emailed, and called. My account was frozen when I tried to transfer money out of it and when I contacted the company, they told me it was suspended for suspicious activity. I have asked for a specific reason and they will not provide one. They said it had to be handled by the accounts team, who they refuse to let me speak with. When I asked to speak with a supervisor, the supervisor hung up on me. I have provided the required information, yet they say it could take up to 15 business days to resolve the issue and will still not provide any reason for holding my {$200.00} hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st request 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 XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX  XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance XXXX {$750.00} XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$750.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXA Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

I am writing to express my extreme frustration and dissatisfaction regarding the presence of fraudulent accounts on my credit report XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently I applied for credit through XXXX, an online store and ordered something. I don't even know what. There appears to have been a credit card issued only to use for the store. I saw on my credit report a company called XXXX XXXX reported I did not pay my bills. I've never received a bill. I have no clue what is going on. I've tried to call the phone number of this credit card company and they always hang up when I ask for proof of purchase. 

So finally out of sheer frustration I paid the bill just to get it off my credit report. But here is what I'm asking CFPB to do. Please find out how I can get a report of what this is about, when the order was placed, how I can clean up my credit report with this credit card company ( I had excellent credit )? Please help!
Product: Money transfer, virtual currency, or money service

I received a message from family off XXXX, in need and ask to send them XXXX I cash app them the money to only find out, his page has been hacked by a " XXXX XXXX '' and it wasn't him.I then called Cash App and they said there was nothing they could do, to call my bank and try to stop the transaction. I called my bank, they deactivate my card that was used and said the pending transaction had to post first to do a dispute on the charge, and they would reach out to cash app once that had posted. I called the police, the came out, took photos of the conversation and found the person to be up north somewhere but told me they had a private investigator to handle such matters, gave a card to take to my bank.Cash App then text me back and cancel my request that I had sent to the scammer, saying for my protection.I have received my new card, the bank said the transaction did go through and they filed a disputeXXXX XXXX did nothing to help cancel this Fraud, they had plenty of time to hold this transaction.
Product: Checking or savings account

I am a victim of identity theft which involves several banking institutions Wells Fargo acct. XXXX XXXX. Reported as account abuse to XXXX XXXXXXXX. As well as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for acct abuse as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Reported to XXXXXXXX XXXX XXXX XXXX XXXX