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

My account with 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 XXXX  days 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 XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( 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 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 XXXX
Product: Debt collection

This company sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL. I know the person that lives there and the person gave me the letter today. I asked XXXX XXXX to STOP sending me letters threatening me with a lawyer or possible lawsuit. My identity was stolen and I dont have any account with XXXX XXXX. The person who opened the account put a different name, MY NAME IS NOT XXXX XXXX XXXX ; that means that is not mine and I didnt authorized it. Moreover, Im asking this company to STOP any type of communication with me or my family member before I put a lawsuit against them for harrasing me. Lastly, this company has a lawsuit against them for signing affidavits illegally and fake.
Product: Money transfer, virtual currency, or money service

I was frauded by three crypto trading websites. I wired bank transfers to these websites, but they are scammers. I contacted my bank to get my money back into my account. My bank manager said there was no way they could help me because the transactions were completed.
Product: Debt collection

I am a victim of identity theft which have created a great deal of pain and suffering. I submitted an identity theft report complaint with the Federal Trade Commission. My consumer rights of me being a natural person under the Fair Debt Collection Privacy Act USC 1692 and Fair Credit Reporting Act 1681 are being violated. Amex are breaking federal law attempting to collect a debt that is not owed. I do not owe Amex bank any money and demand that they stop attempting to collect the alleged debt and delete any internal records of the alleged debt and stop the false reporting to the credit bureaus ( XXXX, XXXX and XXXX ). I am also requesting an audit trail according to XXXX that any money was given to me. If any account was created using my social security number ( which I didn't authorize ) that would make me the creditor not the debtor. How can the creditor owe any alleged debt? They can not according to congress! 15 USC 1692 states that it is fraudulent to furnish a deceptive form to make me think I owe an alleged debt when they became a " debt collector '' after " Me '' the Original Creditor creates a creditor by giving them credit to extend back to me. I do not owe any alleged debt and demand that the alleged debt be deleted immediately or I will seek remedies for the violation of my consumer rights under congress law!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section
States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I reviewed my credit file and discovered incorrect and inconsistent reporting for the XXXX XXXX account XXXX. The reported late payments for several months do not align across the three bureaus ( TransUnion, XXXX, and XXXX ). For example : In XX/XX/XXXX, TransUnion shows 30 days late, but XXXX and XXXX both report the account as XXXX. In XX/XX/XXXX, TransUnion and XXXX show 90 days late, but XXXX reports 120 days late. This inconsistent reporting suggests data errors and does not reflect the account 's actual payment status. The current status reflects 120 days past due as of XX/XX/XXXX. However, my account payments were not accurately recorded, and the account should not be reported as severely delinquent. These discrepancies are harmful to my creditworthiness and must be addressed. I have attached a copy of my credit report, along with the specific payment history discrepancies highlighted for your review. Please investigate this matter and provide me with a corrected report or written confirmation of your findings.
Product: Debt collection

On XX/XX/18 I began reaching out to XXXX XXXX XXXX via phone and email regarding a debt that a debt collection agency, Harris, Klein Associates, Inc. called me and stated that I owe. I asked the representative from the collections agency, XXXX at the time for a direct contact at XXXX XXXX XXXX so that I could understand the validity of this debt and to also let the collection agency know that I was never notified via email or mail about this debt until the collections agency reached out to me. At this point the collections agency is threatening to add this debt to my credit report with no regard to the fact that I was never notified by the original creditor. In addition, the debt collection rep ( XXXX XXXX ) stated the mail was returned to both her office and the office of XXXX XXXX XXXX which means I never had a chance to take care of the original debt before being charged an additional {$90.00} collection fee. This is extremely unprofessional and speaks to the integrity of XXXX XXXX XXXX, if mail is returned to an office that is the number one indication that the individual did not receive it. XXXX XXXX XXXX has not returned my calls or emails, which I still have copies of - I have tried to remit payment but I will not pay an additional collection fee that was unjustly charged to me.
Product: Credit card or prepaid card

I received a XXXX debit card in my name from Chime that I did not apply for. When I looked for a number to report ID theft, there was none to be found but the general customer support. They said maybe I forgot that I opened it! They were to " investigate '' and get back to me. Nothing happened. I send an email to their support general inbox ( again, no ID theft address ) and received a response addressed to my husband! Does this mean there is an account in his name, too? They wanted me to confirm that I don't remember opening the account and send copies of our social security cards! No way! They will not close the accounts or give me information. 

This company has swiss cheese security and is a scam. Please shut them down.
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to pull my credit report neither do I have knowledge of them XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I never applied for credit with them and I do not have an open account tied to these inquiries
Product: Credit reporting or other personal consumer reports

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

Under the the Family Education Privacy Act of 1974 States you are not allowed to report my income to any 3rd party or companies. This account should be removed immediately or I will be seeking damages under the law. 

the law also states that this item is over the credit statue of 7 years and it should not be reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am deeply concerned by the recent Equifax data breach. Equifax 's negligence has allowed the personally identifiable information of 140,000,000+ Americans to be stolen. This includes names, date of birth, social security number, past addresses, and loan information. This breach poses a serious threat to all of those affected. The practice of using social security number for loan verification purposes is deeply flawed system and requires swift and immediate overhaul. 

Currently, the only way to protect oneself by placing a credit freeze with each of the three credit reporting firms. This is an arduous process, in which the credit reporting firms attempt to sell identify theft protection at every turn. To make matters worse, if a consumer does freeze their credit they are required to pay the firm in the future to lift the freeze. 

To summarize : 1 : Americans have no choice but to allow these credit rating firms to collect their private information. 
2 : The credit rating firms allow citizens ' private information to be stolen. 
3 : The victims have little protection, if any, and now have a lifetime of worry ahead of them. 
4 : The victims of this crime have to pay the very same firms who leaked their information to protect them. 

Please take action to rectify this grave injustice and protect the American public. Credit rating verification should not be in the hands of these reckless firms. It should reside with government.
Product: Credit reporting or other personal consumer reports

Thank you for addressing and removing some of the inaccuracies in my credit report. However, there are still a few items left that require further removal. While reviewing an updated copy of my credit report, I discovered that some of my credit references are still not included in the removal but have been reported and verified. Please re-investigate and remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please re-investigate and delete these disputed items. Please forward me the name and address of the persons contacted. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me when the items have been deleted. Once this has been accomplished, please forward me an updated copy of my credit report to the address provided.
Product: Credit reporting or other personal consumer reports

I am facing significant issues with Experians handling of my credit report, which includes multiple inaccuracies affecting my financial reputation. Despite attempts to correct these via direct communication, Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) requirements. 

What Happened : 1 Incorrect Personal Information : Experian needs to confirm my employment as XXXX XXXX, my address at XXXX XXXX  XXXX XXXX, XXXX, FL XXXX, and update my phone number to ( XXXX ) XXXX. 

2. Misreported Accounts : XXXX XXXX XXXX : This account was previously deleted but has been incorrectly re-reported without my knowledge. 
Unauthorized Inquiry : An XXXX inquiry appears on my report that I did not authorize and needs removal. 
Account Status Errors : XXXX XXXX XXXX  & XXXX XXXX : Both are active with all payments made on time but are not reported as such. 
XXXX XXXX  XXXX : This account is also active and timely but needs confirmation of its current status.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I submitted letters to XXXX, Experian, and XXXX asking them to reinvestigate the information previously disputed and provide who they verified the inaccurate information reporting on my credit report with and I have not received a response. The date is now XX/XX/2023 and I understand the next step is litigation, however I am giving the bureaus a chance to rectify this situation. I want to formally file a complaint and receive the fair response that I am due. Please hold these companies accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$81.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXXXXXX  XXXX Balance : {$130.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Please help assist us, an apartment complex is collecting a debt client does not feel he owes. After further research client had electric in his name and was turned off. We have attached the supporting documents. The apartment complex states they do not own the debt as Hunter Warfield now owns.
Product: Credit reporting or other personal consumer reports

Experian consumer credit reporting agency is intentionally trying to destroy my character. They are intentionally violating my rights. I have a right to decide what is reported on my credit report and what is not. 

Experian has a Notice ' statement on my credit report stating that they couldn't verified my social security administration number. Which is a false statement because I've sent them my actual card and its existence is true, registered and valid. CHECK! 

I don't like that statement being left on my credit profile and i never requested it to be placed. It's a negative connotation and It needs to be removed immediately. Or else I WILL SUE
Product: Debt collection

Was not informed on the debt I owed or need to pay until it had already been sent to collections. I was only XXXX at the time and had no way of paying it back. was told that I would have a whole XXXX grace period to pay whatever was owed yet I 'm constantly being harassed and my credit is being taken advantage of.
Product: Money transfer, virtual currency, or money service

I sold a pewter tea pot in XXXX for XXXX I did everything right I mailed it the day after the sale, he received the tea pot and everything was fine he let XXXX know he received the tea pot in good condition. XXXX said I should have my money by XX/XX/XXXX pay pal kept it in pending status for 3 weekss. I made numerous calls to XXXX and pay pay to find out when I was going to get it my customer has the tea pot in XXXX and I have no money mean while XXXX wants paid their XXXX commission and I still dont have my money I told them I will pay them when I get my money. Finally XX/XX/XXXX pap pal says my funds are ready I called pay pal to see how to transfer it into my checking account a fellow from pay pal walked me through it so I thought I was done and would finally have my money 15 minutes after I did the transfer I get a email from pay pal saying they are are placing my funds under review and its on hold for 48 doesnt say days weeks or years if it passes the review they will release my money, so my money is now sitting in pending again. I called pay pal and a fellow said he would see if he could over ride it well he couldnt this was my first and last experience with them. I just want my money I was suppose to go on vacation and planned to use that XXXX. I have spent so many hours trying to fight for my money
Product: Credit reporting or other personal consumer reports

TransUnion sent me a letter falsely accusing me of using a third party to dispute unauthorized inquiries on my credit report and refused to remove them. These inquiries lack permissible purposes such as employment, insurance, or firm offers of credit, as outlined in the FCRA. TransUnions failure to investigate properly and their stall tactics violate my consumer rights. 

I, XXXX XXXX, confirm these inquiries are unauthorized and demand their removal. An FTC report was mailed with the dispute letter. Attached is an invoice for the violations committed. Payment should be remitted to the address on the invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Capital One credit card account was removed from credit file back in XXXX of XXXX in error. Capitol One has reinserted the account to all three credit bureaus XXXX XXXX and XXXX is the only credit file that my account is not reporting to. This continues to go back and forth Capital One says contact XXXX XXXX says contact Capital One credit card services this makes no since I am the consumer I have been paying a bill for a credit card account that does not reflect my credit that is in good standing. I need assistance with this issue.
Product: Mortgage

Since XXXX, my life has been profoundly affected by the diagnosis of multiple XXXX XXXXXXXX, followed by complications in XXXX and XXXX, exacerbated by a battle with XXXX in XXXX, which transitioned into long XXXX. These relentless XXXX  struggles have not only taken a toll on my well-being but have also significantly impacted both our personal and financial lives. The ongoing health challenges have made it impossible for me to sustain my previous level of employment and income. Consequently, our once stable financial situation has crumbled, leaving us grappling to make ends meet.
Product: Credit reporting or other personal consumer reports

This is my six 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently noticed that my credit report contains incorrect personal information, which has resulted in an unknown and inaccurate account appearing under my name. I am a victim of identity theft, and my information was used fraudulently, leading to an account I have no connection to. As instructed by Experian, I filed an FTC Identity Theft Report and submitted all required documentation to support my claim. Despite my efforts, this fraudulent item still remains on my credit report, which is both frustrating and damaging to my financial well-being.