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

My account with ( XXXXXXXX XXXX XXXXXXXX ) 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 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 they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( XXXX XXXX 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 or other personal consumer reports

I disputed the item on my credit report because I had filled out a hardship application through XXXX XXXX and qualified for the program this was taken off my credit report XX/XX/year> now XXXX XXXX they reopened it Consumer AdJ company XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$18000.00}.
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of an auto loan account with XXXX XXXX XXXX. The account reflects several inconsistencies and inaccuracies that I believe violate the Fair Credit Reporting Act ( FCRA ). Here are the details : 1. Charge-Off Reporting : The account was marked as a charge-off ( CO ) in XX/XX/XXXX. However, CO continues to appear inconsistently in subsequent months ( e.g., XXXX, XXXX, and XX/XX/XXXXXXXX  ). If the account was charged off in XXXX, this status should not continue to change afterward. 
2. Incomplete Payment History : Many months are listed as ND ( No Data ), including key months leading up to the charge-off. This lack of information makes it difficult to verify the accuracy and completeness of the reported account history. 
3. Late Payments After Charge-Off : Despite being marked as charged off, late payments are still reported in the payment history after XX/XX/XXXX. Specifically, late payments such as 30 days late appear in XX/XX/XXXX, XX/XX/XXXX, and other months. Late payments should not be reported after a charge-off event. 
4. Timeline of Events : XX/XX/XXXX : Account opened. 
XX/XX/XXXX : Account marked as charged off. 
XX/XX/XXXX : Final payment was reported. 
Various months between XXXX are listed as ND or show discrepancies in payment history. 

I have taken steps to address this issue and now request that XXXX XXXX XXXX verify the accuracy and completeness of this account information. If they can not provide evidence to substantiate the reported data, I request the removal of this account from my credit reports.
Product: Credit card

Transaction through XXXX retailer XXXX XXXX in XXXX XXXX NY. 

XX/XX/2024 -charged {$550.00} to my Capital One credit card. 

FRAUDULENT CHARGE THAT I DID NOT APPROVE. had to cancel card and change card bc of possible identity theft. 

Capital One refunded the amount and then now on XX/XX/2024, I have just noticed on my credit account, THEY RE CHARGED THAT AMOUNT! It was a fraudulent charge that I did not approve!! They did their investigation and obviously not a very good one. XXXX retailer is at wrong too! They never answered phone calls. They gave the products according to the XXXX account at curbside pickup and they went against their policy of giving items to curbside pickup without proper identification!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine adn iwant them to be removed. 

1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am a known victim of identity theft I have been trying to clear my name but the credit bureaus do not answer me and it has been well over the 30 days allowed by law. the following accounts are all fraud : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Got letters from lawyers office about a law suit, I called and they said theres a lawsuit against me but I have not received anything, and was told the judge will be in favor of the plaintiffs, I dont know anything about this debt, or who its from, all I know its XXXX. Im not sure when this civil suit is going to happen, I have had my identity stolen 3 times, every thing of mine is locked.
Product: Credit reporting

Inaccurate information on credit report XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account Number : XXXX .... 

Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XX/XX/2016 Credit Report Toolkit : Print your report Credit Education Know your rights Credit Fraud Center
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the persistent challenges I have encountered in attempting to rectify fraudulent items on my credit file. Despite numerous attempts to address this issue, the fraudulent entries persist, causing significant harm to my creditworthiness and overall financial standing. 

I have attached copies of my credit reports, highlighting the specific fraudulent items, along with supporting documentation that unequivocally proves the illegitimate nature of these entries. 

Despite my persistent efforts, the fraudulent items persist on my credit file, causing unwarranted financial stress and potential harm to my personal and professional life. I am well aware of the gravity of identity theft and the urgency required in resolving such matters to protect both consumers and creditors. 

I urgently request that you conduct an immediate and thorough investigation into this matter and promptly remove the fraudulent items from my credit file. Additionally, I expect a detailed and comprehensive written response within 30 days of receiving this complaint, outlining the specific steps taken to address and rectify the situation. 

If my concerns are not addressed within the specified timeframe, I will have no choice but to escalate this matter further by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX  Balance : {$760.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XX/XX/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 have reached out to LexisNexis on three separate occasions in an effort to get my consumer report from them. They are reporting incorrect bankruptcy information that does not belong to me. They confirm this information to XXXX and XXXX however on the report I received on XX/XX/XXXX there isn't any bankruptcies showing on my XXXX consumer report that said, subsequent attempts to get my consumer report from Lexisnexis has been denied. 

THey asked fr a copy of my Driver License and Social Security card which I have submitted they confirm that they have received and attached to my file however they still deny my request. at this Point THis should be assumed to be collusion between XXXX and Lexisnexis to keep incorrect, illegal and misleading information on my credit report. My family and I have suffered irrecoverable harm because of the actions of LexisNexis and XXXX. It is my wish that they deliver to me a true and correct copy of my Lexisnexis consumer report. That they remove the unverifiable information that they are reporting on me. 

The XXXX XXXX of Texas Bankruptcy court explicitly states that they do not verify Bankruptcy information with any source or requester Both LexisNexis and XXXX need to stop the collusion to keep incorrect information on my Credit reports. the following information is in question with both Lexisnexis and experian and should immediately be removed from both sources. However I have a report Dated XX/XX/XXXX That this information isn't being reported by Lexisnexis. According to XXXX and the fact I can't get Subsequent reports it seems to be. Immediate removal is demanded Public Record DATE Reference # Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

I purchased a phone from XXXX. Since getting the phone, I got my first bill where I was being charged twice for the same phone. I tried contacting both XXXX directly and the credit service they are doing their 2 year financing through, TD Retail Card Services. After almost an entire month they finally took the second charge off. Now they have charged me 2 months in a row a {$27.00} late fee, when I am paying the amount that it says is due {$37.00} on the due date online. It says the amount is processed on that day, and yet they charge me the late fee. They took the first one off but I have n't heard back on the second yet. I think after doing the math, they put the wrong payment due and it should actually be XXXX per month for a 24 month finance plan. But them messing up should not result in me getting charge late fees. I should not have to make up for their mistakes, which is obvious on their end from the amount of trouble I am having. And when I try calling I get put on hold and get the run around as nobody seems able to just give me what I feel should be easy answers. All of these issues should be very straight forward.
Product: Credit card

Family members have been receiving calls from Thomas King and Associates. They have asked if they know my wife and need help with verification of information on a application that was submitted. I am not sure how they were able to connect the dots or have my families cell phone numbers.
Product: Payday loan, title loan, or personal loan

I had an emergency and I went to MoneyTree asking for a loan, the guy thatassist me asked me to sign my contract, he didnt mention the interest rate, until I sign my contract, Now is becoming very dificult to pay every month. can you assist methank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted The Credit Company who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the following credit inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Over the past year I have been using TD BANK locations around XXXX, XXXX. I used the account solely for convenience and to cash 1 check per week. I paid the mo thy fees for low balances ( {$15.00} checking/ {$4.00} savings/ as well as {$3.00} ON TOP OF fees already charges by out of network ATMS ). 

I was always careful to keep the balance positive. The few times it went negative ( less than {$10.00} ) I quickly deposited/transferred money within hours and almost always had the account positive by business days close. This incurred repeated {$35.00} fees. 

During the last week before closing my accounts ( final week of XXXX 2017 ) I also had an atm eat {$20.00} of a {$600.00} deposit, to which the tellers directed me to an outside company. I was reimbursed the misplaced {$20.00} after I initiated a review of the atm and it was found to have excess money in it. 

I went in that week to close both account where I signed paperwork in person and was told the branch manager would personally close the accounts in about 2 business days. 

When I checked a week later the savings account was still open. When I called to ask what the hold up was the operator said they did not see the account set to close. I then had to reinitaiate the closing process by phone even though I had signed physical paperwork at a branch to do so the week before. 

I did not complain about the $ XXXX/mth fees I paid to have accounts and deposit my one small check a week. I did not complain about the {$1.00} charged for every bill I wanted to pay from the accounts. I did not complain about the {$6.00} ( {$3.00} TDBANK charge ) combined atm fee for using outside ATMs. I started complaining about the {$35.00} fees for being overdrawn by {$7.00} for 2 hours. The final straw was having an atm steak money from me and be told it was not the banks responsibility and be directed to an outside vendor. 

This all culminated in the closed accounts, which I signed in person, not being acted on and remaining open. Which inevitably would have ended in more fees and more overdrafts ( since the bank told me not to deposit money as this would reopen the account ). Enoughbis enough.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft my personal information was used unauthorized to open this account delete asap report attached
Product: Bank account or service

We have a business account with TD Bank. The account was set up but they failed to set up the online banking correctly. This resulted in the Bank 's failure to provide proper notifications and alerts. We advised the Bank of this issue on several occasions. 

Instead of taking corrective action to provide remedy to correct their errors, they charged over {$500.00} in NSF fees. It appears the Bank is intentionally trying to create opportunities so they can profit from NSF fees. The Bank was aware funds were available in other accounts and could be easily transferred from another account. If the online Banking and Account Notification system had been set up correctly by Bank initially, the account NEVER would have been in a position to receive NSF fees. 

The last time we spoke with the Branch Manager, she said we could " go somewhere else if we did n't like how TD did business ''. 

We propose remedy to this situation by having the fees refunded, disciplinary action against the Manager who failed to be courteous and take corrective action, and a letter of apology. 

We will also take steps to forward this complaint to the appropriate Lawmakers to address the situation of Banks overreach to profit from consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are inaccurately dictating my XXXX XXXX and not giving me proper increase nor score, even when I paid off a few accounts and had a few fraud accounts removed they did not grant my proper increase and stuck me back at the same number within XXXX  days after those listed briefly accounts. They tried to correct it and somebodys XXXX yet again illegally jumped in my personal business and tried to illegally take advantage of me and my human rights and wont fix what my credit is about. You give credit for a person to represent their self through XXXX  and integrity and where you come from verse what you do with your life and business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account Hard Inquiries : 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 XXXXnquired on XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX these hard inquiries have 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.
Product: Credit reporting or other personal consumer reports

I recently paid off collection account to XXXXXXXX XXXX XXXX XXXX They agreed to have account deleted in exchange for payment. The collections account still remains on my transunion credit report. XXXX has updated the account on their report and has deleted it as it should have been done. Transunion only updated the collection account as paid instead of removing the account. This is not the XXXX  time but is among many times that transunion fails to properly update my credit report accordingly. I have this same account deleted from my XXXX report so I dont know why transunion cant do the same and never reports my accounts accordingly and I have to contact them to resolve discrepancies. If XXXX XXXX or has deleted the account and can make changes in a timely manner.
Product: Credit reporting or other personal consumer reports

I leased my new XXXX in XX/XX/XXXX through Chrysler Capital after turning in my other Jeep when the lease was up with Chrysler Capital. My new lease started with Chrysler Capital in XX/XX/XXXX. I now had 2 different account # 's with Chrysler Capital  XXXX from my old XXXX and one for the new XXXX. When turning in my old Jeep I didn't realize I still had a {$78.00} balance on that account, therefore, online my account was showing the new account # for my new XXXX and the old account # for the old XXXX I just turned in. Both accounts were listed when I went online to make my first payment for my new XXXX in XX/XX/XXXX. Not paying attention, and this was the XXXX payment with the new account, I accidently selected the old account # with the {$78.00} balance to apply my new payment of {$520.00}. XXXX had reached out to me and I wasn't sure why since I knew I had made my payment and confirmed that the payment was made by looking at my bank statement, and the payment came out on XX/XX/XXXX. I just thought it was a clerical error on XXXX part and that they would figure out the mistake and correctly apply the payment and if not we would just do a true up at the end. I had my bank statement showing the payment was made. I have never been late on a payment and I have never missed a payment with all my years with Chrysler Capital. This is now affecting my credit and I have reached out to XXXX repeatedly starting around XX/XX/XXXX to explain what happened and ask to have the charge off removed. XXXX is stating that the charge off is legitimate. I made an honest mistake in selecting the incorrect account to apply payment, and XXXX even sent me a refund check for the difference of {$440.00} on XX/XX/XXXX. The refund was the difference of my car payment for the new account {$520.00} less the {$78.00} that was still on the old account. I spoke to XXXX again on XX/XX/XXXX asking what the check was for and the person I spoke to said it was a refund for the difference on my old account and to pay back the {$440.00} as good faith and I did that on XX/XX/XXXX. I'm asking for understanding and forgiveness for making an honest mistake. My payment history and credit history show that I always pay my bills and pay them on time. This was just a careless honest mistake of paying the wrong account #, but the payment was made just to the wrong account.
Product: Credit reporting or other personal consumer reports

THESE INQUIRIES ON MY CREDIT REPORT WAS NOT UNTHORIZE BY ME XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX Experian XX/XX/XXXX XX/XX/XXXX Experian
Product: Credit card

I noticed unauthorized hard inquiries on my credit report, I notified all companies and call 3 credit bureaus of the unauthorized inquiries and have yet to be resolved, The fair credit act requires these inquiries to be removed
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I used the " mail a check '' feature via the Chime Banking app to send a check worth {$56.00} to my insurance. The request was put in and the app informed me that the check would arrive by XX/XX/year>. I got a notification somewhere around XXXX XXXX that the check had been cashed. Unfortunately, I am unable to see when exactly the check was cashed in the app/website. On XX/XX/year> I received a letter from my insurance stating they had not received my payment. Upon speaking with them they requested that I send proof of the check by sending a copy. I called Chime and I was immediately told by the customer service rep that they don't provide a copy of the checks, they could only provide me with my bank statement. I called them back two more times to clarify. They reiterated that they don't keep copies of the checks and can't provide me with anything for proof except a bank statement.