23daVinci/CFPB_Complaints huggingface dataset:
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. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Money transfer, virtual currency, or money service

XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX Identity theft and fraud victim. 
Victim of discrimination. 
Civil social legal human rights and The Americans with Disabilities rights Act violations. 
Cash App False advertises embezzles and misappropriates monies/ Funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER FOR I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, PLEASE HAVE THOSE ACCOUNTS REMOVED FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY FILE.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported 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. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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

Hello my name is XXXX XXXX. I am a private personal consumer submitting a complaint concerning me being a victim of identity theft. My personal non public information was shared by XXXX, Experian, and XXXX, without my full disclosure or written consent. My personal right to privacy has been abused and violated under the Gramm Leach Bliley act of 1999. These violations have compromise my non public personal information and resulted in my identity theft. I demand all accounts listed below be removed in next 6 business days as stated under lawXXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Transunion disputing 2 separate accounts listed with XXXX XXXX requesting verification. On XX/XX/XXXX, Transunion only responded with " verified as accurate '' which did not provide me verification as I had previously requested. On XX/XX/XXXX, I sent a 2nd letter requesting Transunion to provide me with the procedure and documents used to verify this account was accurate as listed. Transunion did not respond. ON XX/XX/XXXX, I sent another request and listed the reasons why these 2 accounts were not accurate and sent a copy of where XXXX had deleted both accounts because they were unable to verify accurate results and once again, Transunion never responded. On XX/XX/XXXX, I sent another letter requesting their method of verification, and they responded on XX/XX/XXXX just with verification. Transunion never provided me with documents or any information as I requested in how they validated this account was reporting accurately. Transunion failed to properly investigate the accuracy of these 2 accounts - If they had done so properly as they stated, they would have found the same results as XXXX  and been unable to verify thus removing both accounts from my files.
Product: Money transfer, virtual currency, or money service

I talked to someone on XXXX who was selling explicit photoshoots. They told me to send payment through XXXX, and to make it worse, the account of a friend. I paid the $ and then I never received what I paid for. I was actually blocked. 

I talked to Chase and they said there was nothing they could do.
Product: Credit card or prepaid card

I have a bill pay program through my bank that I have been using for years. The credit card that I am having a problem with I obtained through my XXXX XXXX office to pay for my XXXX XXXX. 

Using my bill pay program through my personal bank, I have the option to put the payment on autopay. The bank automatically sends my payment out to be received by the biller the same time every month for the same amount of money. I currently pay {$200.00} a month to arrive by the XXXX of the month. I have been making payments to this biller for a couple of years with no problem. Since I pay my bills using my bank, I can get printouts of my payments if needed. If the payment date falls on a weekend or holiday, my bank will automatically adjust the date to have the payment arrive on time. I have not had a problem with this biller or any other biller I pay using this program until two months ago. From the credit card company I got a larger minimum payment amount and a {$40.00} late fee. They stated the payment was 9 days late. We had a 3 way conference call with my bank and they only agreed to remove {$15.00} of the late fee. The bill I received this month shows they put the {$15.00} back on the statement and charged another late fee for the bill being 6 days late this time. When I call them they have no explanation as to why this is happening. I told them nothing has changed on my end so why are these problems happening now? They don't know. I changed the due date on my bill pay program to the middle of the month to arrive, I hope, by the first of the month. I can not resolve anything with these people and would like to know what I can do at this point. I don't want my credit messed up because of this.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received a text message on my cell phone that a transfer had been completed by REMITLY Bank to a person named XXXX  ( who I do not know, and did not make the transfer ) ; Soon after, I tried to access my REMITLY account and received information about a DATA LEAK ; I accessed my XXXX XXXX app and noticed that the transaction was pending and they had used my XXXX XXXX debit card information for this transfer. I then called customer service and spoke to the XXXX XXXX  fraud department ( XX/XX/XXXX, XXXX XXXX  ). I was informed that I should go to a bank branch on Monday, after the transaction was completed, because since it was pending there would be nothing to do ; I then ( XX/XX/XXXX XXXX ) logged into REMITLY BANK 's customer service chat where I spoke to XXXX XXXX XXXX about what had happened, she referred me to XXXX XXXX from the fraud department who advised me that my account should be cancelled, that the transaction would not be completed and the money would be returned to my account ; As per the guidance received during the call with XXXX XXXX customer service, I scheduled an in-person appointment for FRAUD CLAIMS ( XX/XX/XXXX, XXXX XXXX  ) ; On Monday, XX/XX/XXXX, I went to the bank branch and spoke to XXXX XXXX XXXX ( Relationship Banker II ). I had already blocked my card online. She advised me to cancel it and issued a new debit card. However, the transaction was still pending and she asked me to speak to her as soon as the transaction was completed ; On Tuesday, XX/XX/XXXX, the transaction was completed, so I sent an email to XXXX XXXX XXXX, but I had already made the claim online ( Claim ID XXXX ) ; On XX/XX/XXXX at XXXX XXXX  I called REMITLY BANK again, asking about the return of my money. I spoke to XXXX XXXX, who asked me for several pieces of information. Using my debit card number she was able to find the transaction to the account of a woman named XXXX XXXX. I told her that I didn't know this person and had not carried out this transaction. She said that since the transaction used my XXXX XXXX  debit card, I should start a claim with the bank so that they could return the money and a internal investigate will be open. I asked them to send me the recording of the call. She told me that this was property of REMITLY BANK so she couldn't send it to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent letters multiple times to have inquiries removed as I have not authorized them. The response is a standard letter that says they come off the report in 2 years. I did not authorize them and want them removed from my report. These inquiries I am listing below as unauthorized : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX Subject : Request for Verification of Late Payment FCRA 609 I am writing to formally dispute a late payment on my credit report that I believe to be inaccurate or unverifiable. Under the Fair Credit Reporting Act ( FCRA ) 609, I am requesting documentation that proves this late payment is valid and was reported correctly. 

The account in question : ACCOUNT : XXXX ACCOUNT XXXX LATE PAYMENT XX/XX/XXXX. 
- OPENED DATE XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX XXXX LATE PAYMENT XX/XX/XXXX According to the FCRA, any item on my credit report must be 100 % accurate and verifiable. I request the following : 1. Proof from the original creditor showing when the payment was due and when it was received. 
2. A copy of the original payment history verifying the late payment.

3. A statement from the creditor confirming the accuracy of this late payment. 

If you are unable to provide all 3 of the requests listed and verifiable proof within the legally required 30 days, I request the immediate removal of this late payment from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I am filing a complaints again 1st complaint number with Cfpb # XXXX complaint # XXXX.Experian had spoke to your company and said that it was not appearing on my credit report I gave it time they sent me a letter from Experian she wasn't on there I have a credit monitoring I ran my report and it was on there I called you guys again to tell you that they put it back on so I just I was second time now this is the third time I go to look at my credit report and not only do they put back the account with terrible unaccurate payment history they put XXXX back on which is not mine this is a very serious offense and now this is the third time I'm speaking to you guys you need to do something or you'reme they said and they also said to your company that they did not have the account which is XXXX  XXXX  the account number XXXX xxxxx in the amount of XXXX.they have lied twice and now I just again looked at my credit report and they actually put not only the portfolio but the original XXXX  which again I've been fighting for these accounts to get off my credit report since XXXX of XXXX.I filed a report this morning with the Fair Credit Reporting Agency XXXX have attached the letters that I have sent XXXX XXXX XXXX XXXX certified mail back in XXXX I have all of them since XXXX XXXX.I will keep calling I will keep reporting and making complaints until somebody does something and have experience in the certified letter saying that these are off my credit report and I keep putting them back on and they're not my accounts it's ruining my credit and I can't go forward I'm a single mother and I need my credit score to do anything I can't buy a car I can't buy a house I can't even rent an apartment I can't even get insurance for my car next thing I will be doing is going to the news paper and telling my story I don't understand how your company is allowing experience to do this chicken consumers it's not only me you have a problem with them I read on your website please they have to take off the XXXX XXXX  XXXX  and a XXXX  that they put on again and they take off and put on it's against the law and you know this is against the law so I'm the next thing I'm going to have to do is just I'm going to have to just take you to both of you and you know this is against the law so I'm the next thing I'm going to have to do is just I'm going to have to just take this up in court with your agency and Experian
Product: Credit reporting or other personal consumer reports

Its incredibly disheartening to see unauthorized inquiries on my credit report this afternoon, and I cant figure out why. I do this regularly, but this time, unexpected discrepancies were there. I refreshed the page, hoping it was a glitch, but the issue persisted. Please ensure that the documents Ive provided are thoroughly reviewed so that I never have to experience this again.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX # XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report XXXX XXXX XXXX XXXX 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

I had a girlfriend for 6 months, I moved back home, out of state and the primary card holder, order credit cards and also requested authorized user cards in my name. I have never seen or used the cards and had no knowledge of the cards being ordered. This was done in a attempt to get me, to come back, from out of state. She used both credit cards. And she became late, on her payments. I spoke with her and she had settled the debt and paid them off. The XXXX card account number XXXX and a XXXX card number XXXX, was opened s well, with me as a authorized user. As a authorized user, I was never responsible for any debt, charged to these accounts. I have never enter into a signed or verbal card holder agreement as a responsible party. In addition I have never spoke with anyone for either of the creditors, with regards to receiving cards. These cards were issued by the creditors, without my permission and to date they have my personal information, without my consent and are reporting negative items, on my credit report illegally, as I have never entered into a agreement with either party..In addition, to that fact, when the primary card holder, became late on the payments, I never received any notice of me, being a authorized user or that the payments were late and/or past due. This is do to the fact, that the creditor, had no phone number or mailing address, because I never had any contact with them. 
The credit bureau has report these items on my credit report with a having any documentation or signed agreements, by all parties in hand as required by law. In addition, Equifax has reported items om my credit report, without verifying that the debt was actually my debt and placed the items on my report, from the creditor, on face value, because both parties a gaining enrichment from the negative items on my report. The credit bureaus is being paid to report the negative items and the creditor are party of a system, where each member ( s ) of the banking/credit system. Gain higher interest off of the negative items, place by their counter part, by charging higher interest. This is a conspiracy between the bank/creditor and the credit reporting bureaus.If there is no resolve with this matter, it is my intent to take this matter, to federal court and criminal court, to the fullest, extent of the law. Including damages.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting if 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.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

in accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have a right to privacy. 

Pursuant to 15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement terms & conditions. Failure to comply will forfeit your claims and will require you to delete all of the items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Mortgage

I 'm in a fixed rate of 3.75 on a 15 yr. mortgage and my note has been XXXX and suddenly changed to XXXX without me agreeing to it. I contacted the mortgage company and have n't gotten a response and I received a escrow overage check but I never agreed to a increase in my monthly note. Account # XXXX Mid America Mortgage And my info is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Tx XXXX XXXX my e-mail is XXXXXXXXXXXX Cell ph. # XXXX Hm. ph. # XXXX thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX  XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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: Money transfer, virtual currency, or money service

Well fargo has refused to pay me my account balance on 3 different occasions. I went in for a refund after my closed account and was refused a refund after being told to come in for one. I am livid and living in my car. That money is my only way to keep my car. I have been living in my car since the pandemic. I have a weekly payment set for Friday. I need that money today! Please help me so that I can get on my feet.