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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION 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.

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 card

Transactions were not conducted by me or anyone authorized to use my card. I have taken the necessary precautions to secure my account, including reviewing my statements, securing my online access, and reporting the issue immediately upon discovery. The credit card was maxed out and yet still reported on my personal credit report.
Product: Credit card

Elan Financial Services has recently taken over servicing my Credit Card from XXXX. In conjunction with the takeover, they have mistakenly blocked valid transactions due to suspected Fraud, they have limited the ability for me to see transaction history on-line, and they have reduced my reward earning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is incorrectly reporting to my credit. They have report my car payments late 7 times. When I in fact was not late and I have the proof that I wasnt late. My payments are due on the XXXX of every month but 7 different times when I paid on the XXXX they marked my payments as late and reported it to the credit bureaus. I made them mail me copies of my payment history. These are the dates they marked late but I have proof I wasnt late. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I want these 7 payments credited to my account as made on time and I want the adjustment made with the credit bureaus. I also want the fees associated with these late payment removed because I wasnt late.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts # XXXX, # XXXX, # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$670.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/year> ano notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. I also asked for the original contract to be provided and it was not.
Product: Credit reporting or other personal consumer reports

The errors on my credit report is a defamation of my character, and a clear violation of my rights as a consumer. I value my credit a lot but with these inaccuracies, it is quite impossible for me to achieve financial freedom and this has affected my opportunities and my mental health negatively.
Product: Credit reporting or other personal consumer reports

This account [ XXXX XXXX XXXX ] was charged off on the date : ( XX/XX/XXXX ) Ever since then the date of last activity has been improperly and inconsistently updated. On XXXX it shows last activity was ( XX/XX/XXXX ), On Equifax it shows that the last activity was ( XX/XX/XXXX ) & On XXXX it shows ( XX/XX/XXXX )! 

To my knowledge, the law says ALL credit reporting agencies must work together and be joined to report the same information accurately. This account isn't reporting the same across ALL so that must not be the case and this account needs to be removed immediately. 

According to 15 USC 1681b ( e ) ( 6 ) - Notification system by agencies that operate nationwide : Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies. 

Due to the fact that things are being reported differently between Equifax, XXXX XXXX XXXX, it's clear that you all aren't in compliance with the law and my rights are being violated. A notification system is not being maintained and therefore this account is INACCURATE! No inaccuracies may be reported. On several occasions, you failed to investigate this account properly and therefore I DEMAND YOU TO DELETE THIS ACCOUNT IMMEDIATELY.
Product: Debt collection

Subject : Dispute Request for XXXX XXXX XXXX XXXX XXXX Dear Experian Consumer Assistance, I am writing to formally request a real dispute regarding certain items on my credit report. After reviewing my credit report, I have identified inaccurate information related to my XXXX XXXX account, XXXX account, and the involvement of XXXX XXXX. I kindly request your assistance in investigating these matters and correcting any erroneous data that may be present. 
XXXX XXXX XXXX Account Discrepancy : 2 Account Number : Upon careful examination of my credit report, I noticed that the information provided regarding my XXXX XXXX  account contains inaccuracies. The reported balance and payment history do not align with my records. I am requesting a thorough investigation into this matter to rectify any inaccuracies associated with my XXXX XXXX account. 
2 XXXX  Account Discrepancy : Account number : XXXX Similarly, I have identified inconsistencies in the information provided concerning my XXXX account. The reported balance and account status are not reflective of my actual financial transactions and account management. I kindly request a detailed investigation to address and rectify these discrepancies promptly. 
3 XXXX XXXX Involvement : 4 Reference Number : [ XXXX XXXX : XXXX Additionally, I recently disputed an item associated with XXXX XXXX, and I would like to understand how the previous dispute was verified as accurate. I respectfully request information regarding the verification process that was undertaken in response to my previous dispute. Understanding the details of the investigation will help me assess the accuracy of the information and determine further actions necessary to rectify any errors. 
Furthermore, as mandated by the Fair Credit Reporting Act ( FCRA ), I kindly request that you provide me with a free copy of my credit report, as it stands after the completion of your investigation into these disputes. 
I understand that the FCRA requires you to conduct a reasonable investigation within 30 days of receiving my request. Therefore, I kindly ask that you initiate the investigation promptly and provide a written response within the legally mandated timeframe. Please include copies of any supporting documentation that led to the determination of accuracy in my previous dispute with XXXX XXXX XXXX 
In accordance with the FCRA, I have enclosed the following documents to support my dispute : 1 A copy of my credit report highlighting the inaccuracies.

2 Copies of relevant account statements and documents substantiating the correct information. 
Thank you for your attention to this matter. I trust that Experian will conduct a thorough investigation into these disputes and take the necessary steps to ensure the accuracy and integrity of my credit report. Should you require any additional information from me, please do not hesitate to contact me at XXXX or via email at XXXX. 
I look forward to your prompt response and the resolution of these disputes. 
Sincerely, XXXX
Product: Credit card or prepaid card

Barclay has for a 4th time now not been able to manage this account correctly. Im not going to get into the details of the other 3 XXXX ups. But this time they doubled the debt on my account from {$13000.00} to {$28000.00}. They also tacked on another {$300.00} interest fee which is not allowed again as this is a 0 % card and Ive been promised repeatedly that this repeated disregard of the contract on adding fees would end
Product: Credit reporting, credit repair services, or other personal consumer reports

- Credit Score won't appear on web page through XXXX for TransUnion - When I tried to check on TransUnion 's website I was automatically signed up for monthly credit monitoring for {$20.00} a month without my knowledge or permission! This is never made explicit or clear to the consumer when navigating their website and seems completely fraudulent
Product: Student loan

My complaint is for Navient, and/or the former XXXX XXXX. I have student loans borrowed through the Department of Education, which Navient is now in control of. First, the customer assistance department at XXXX XXXX first took advantage of me by directing me to apply forebearances to my loans once they were in charge of my loans. Second, I have always been on time when applying for deferments ( or forebearances ). However, on one occasion I received a default status on this loan that was reported on my credit report. After calling XXXX XXXX, they admitted I was on time in filing for a deferment, but their processing department did n't process it in time. They continued to tell me that there was no way for them to remove the default status from my loans, and no way to remove it from my credit report. Third, after reviewing my credit report at a later time, I noticed they applied a second default status to my loan and credit report one year later at the same month for the same duration period. So there is an exact duplicate default report two years in a row for a mistake, which they even admitted fault for. I submitted complaints to Navient on different occasions and with the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I have be unemployed for longer that 24 months I can not get a good job to start my life over. do to unfavorable credit history.I i would like all negitivative and incorrect data to be deleted.I have enlisted a companies help to remove all these charge off and inquies account.They have been unsuccessful. 
charge off XX/XX/XXXX XXXXXXXX  XXXX XXXX, {$6000.00} reported as chageoff, not removing incorrect information. 

XX/XX/XXXX XXXX  XXXX, {$5900.00}, reported as chageoff, not removing incorrect information. 

XX/XX/XXXX XXXX XXXX XXXX, {$3800.00}, reported as chageoff, not removing incorrect information. 

XX/XX/XXXX, XXXX XXXX XXXX, {$2300.00}, reported as chageoff, not removing incorrect information. 

XX/XX/XXXX, XXXX XXXX XXXX, {$8500.00}, reported as chageoff, not removing incorrect information. 


XX/XX/XXXX, XXXX XXXX XXXX XXXX, {$9500.00}, reported as chageoff, not removing incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

THIS IS NOT A DUPLICATE COMPLAINT THIS IS A HUGE ISSUE AT HAND. 

I have contacted AFFIRM numerous times to get assistance, once again Im hard of hearing. I cant understand whats being said on the phone, which I have stated and its well known. 
I have 8 loans left in Charge Off and by their own rules they should have gone to a collections partner by now. Their collections partners have had no issues with communicating through email which has helped me greatly and have been able to pay those off.

The charge offs are almost 1 to 2 months old. And they have yet to send them to their collections partners. Which has made it impossible for me to pay it because theyre demanding I call in, which would take complete advantage of my hearing issue and not understand whats being said. And having an agent demand I have a family member help is not acceptable. I am a XXXX veteran on top of this, so some help would be nice for a change. 
When I ask for help in messaging or emailing Im just told to call, it doesnt matter how many times I say I cant understand whats being said on the phone due to my XXXX.
Product: Vehicle loan or lease

Wells Fargo repossessed my car in XX/XX/2022. I was told that I had to pay a balance of {$2400.00} in order to get the car back. I told them I could pay {$2000.00} that week and that I could cover the rest in 3-4 weeks ( I had just started a new job and had been unemployed for 4 months, and hadn't received unemployment compensation yet ), but they told me that the car couldn't be returned unless I paid the FULL {$2400.00} in one payment. 

Wells Fargo refused to offer any arrangement - I even offered to pay all but {$400.00} of the remaining balance, and my offer was still refused.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Student loan

As of   XXXX     my student loan interest rate has been hiked up to   XXXX   %. They have increased my monthly payments, due to this interest increase, without any notification prior. I find it outrageous, and feel this bank should be ashamed of itself for charging a student loan such a large interest rate. In the years I have been making payments, I have not seen the amount owed decrease  1 cent ; in fact, it has increased by thousands of dollars.   During a time of financial hardship in  XXXX , I was unable to defer payments through  Wells Fargo , they only allot 6 months of this and mine were used. Because of this  I started to incur late fees that added up to a couple hundred dollars while I would work on trying to find a way to make a payment. I left so many messages asking for these late fees to be reduced for hardships and never heard back from a represe ntative. All of this is unreasonable to me, and I find a negative impact on myself, mostly financially but also personally with struggling to accommodate all my student debt ; it also potentially impacts my family in the respect that they cosigned the student loan.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, I suddenly found a collection account on my report from Zion 's Debt Holdings for XXXX XXXX XXXX for {$470.00} on my credit report. I have never opened an account with this company and no one has ever contacted me before regarding an open debt. I do not owe them anything. I'd like to get this removed from my account immediately. I believe they are scamming people out of money as many consumers reported the same thing on similar websites. I have made multiple attempts to tell them to remove the account as I never opened it. I have attempted to contact them to resolve this and they are very rude and disrespectful. I do not owe them anything and I want this off my credit report.
Product: Checking or savings account

My account with NFCU they willfully post items out if order to incur fees on my account. While the standard is to post credits before debits, the bank will often return items on the eve of my direct deposit. When I have asked them, they only advise they they post credits but will post debits in the order they came in despite their NFCU regulations of being able to post items in any order that they want. They do this purposely to incur fees for their account and will usually not refund them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to review my credit report due to being in the process of purchasing a car in a few months and noticed there were a few things on there that Im not aware of. I ask that these items be verified and send me proof once the items are verified. If proof cant be sent then I ask that the following things be removed from my credit report. I filed an identity theft report with the Federal Trade Commission. I ask that you review this identity theft report and if you find any of these items on my credit report then please have them removed immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXX # XXXX - BALANCE {$13000.00} DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not reporting accurate information on my credit report. I have sent letters to the credit bureaus numerous times and yet, they still keep closing the investigation and indicating that the information being reported is accurate. The FCRA requires that the information reported on consumer 's credit report be accurate and if not, it must be deleted. Therefore, by law, the following accounts must be deleted as per the FCRA and the inaccurately reporting accounts. 

XXXX Card - misreporting on XXXX, XXXX, TransUnion XXXX XXXX / XXXX - misreporting on XXXX Additionally, I have informed the credit bureaus ( XXXX and XXXX ) that the addresses below are also inaccurately reporting and should be removed from my file as they are not my addresses. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of the breech and also been a victim of identity theft before the breech. I need these hard inquires removed because I have no knowledge of these. I did n't inquire for accounts with them. I would like for these to be removed from my reports. I have fraud alerts on all my reports due to this. 

XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XX/XX/XXXX