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

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

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 XXXX  days before the payment due date. 


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


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX  I reported to equifax via myequifax and phone that the addresses on file on my credit report are not mine. i filed a dispute on the same date. today XX/XX/ the investigation results completed but the same address remains on file. my address is XXXX XXXX XXXX XXXX nc XXXX they are showing two addresses that are not mine. i even uploaded a copy of my sscard and drvers license to show this. i am going to a small claims court to sue them if this is not fixed
Product: Debt collection

On XX/XX/XXXX  I sent out certified letters regarding inaccurate and unknown things on my credit repots to XXXX, XXXX, and XXXX. On XX/XX/XXXX  I sent a letter to both Portfolio Recovery Associates and XXXX XXXX with no response from XXXX XXXX. After feeling as though I am being taken advantage of I decided to file a complaint with the CFPB. On XX/XX/XXXX  I filed a complaint for both Portfolio Recovery Associates and XXXX, Today XX/XX/ I received and email from the CFPB Stating that this complaint ( XXXX ) lists someone the company does not recognize as their customer or their customer 's authorized representative. I demand these accounts be removed immediately or I will have no other choice but to file for litigation due to the stress this has cause me and how this has affected my ability to provide for my family. My information has also been impacted by the XXXX data breach and my have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXXXXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When i submit written complaints, Equifax keeps " verifying the validity '' of a debt held by calvary financial, but refuse to respond or admit the debt is over 7 years old and therefore barred from credit reporting by federal law. When i call in, they refuse to verify me no matter how much information i provide and force me to play guessing games over 10-30 year old closed accounts. When they finally do verify me, they claim they cant find anything about calvary financial group despite " verifying the validity of the debts '' over and over in disputes and complaints. 

This is not a duplicate. This is ANOTHER complaint because now EQUIFAX claims on the phone that they have no records, despite it STILL showing up in my credit report online and requests by banks. 

If this is not removed as required by federal law i will file suit including for financial damages of {$100000.00} per day in direct economic losses and loss of future earnings potential.
Product: Credit reporting, credit repair services, or other personal consumer reports

Data breach of 2017 for Equifax left millions of people in risk of identity theft. I was one of those consumers and I just wanted to create a trail of things in lieu of that. I am filing a complaint because Equifax negligently had their systems hacked and has leaked my information to the public.
Product: Debt collection

I moved out of an apartment managed by XXXX in XX/XX/XXXX. As part of terminating the lease early I went into the management office and signed a Lease Termination Contract which detailed the lease termination fee ( as per the original Lease Contract 's statement that written consent is required for early termination ) and a Request for Reasonable Accommodation. I was told I would be provided a copy of those forms when finalized but received nothing after multiple requests in person and over email. 

On XX/XX/XXXX XXXXXXXX XXXX internal billing ( XXXX XXXX ) contacted me by phone to collect on the alleged debt. I noted I was disputing the debt and requested they provide the missing documentation to validate the debt. He also requested I write in noting I was disputing the debt, which I did, however the mailbox he directed me to sent a bounceback email. On the phone I asked him several times if this was the correct email because it didn't appear to be associated with the same business. I received no response from this email and I believe this was a tactic to delay resolution. 

On XX/XX/XXXX XXXX billing sent me an email noting the debt, I replied XXXX essentially restating that I was challenging the debt and needed the original documentation I was denied. I received no further calls or emails, no documentation was provided to me. 

On XX/XX/XXXX I received a collection notice form XXXX XXXX XXXX related to the XXXX lease termination. The owed debt listed is a different number than that noted in XXXXXXXX XXXX previous communication. Because of this in combination with the missing documentation, I requested validation of the debt on XXXX including relevant contracts and payment history. I also noted I was disputing the debt. 

On XX/XX/XXXX I finally received a response from XXXX XXXX  but it was missing many key aspects of the validation I requested. The Lease Termination Contract and the Request for Reasonable Accommodation were not provided. The original Lease Contract was provided but was missing pages 2 through 12 which conveniently are the pages detailing how early termination fees would be determined. They also failed to provide a payment history. Without this information there's no way to confirm that the line items contained within the Schedule of Move Out Charges align with the methodology for determining termination fees set forth in the Lease Contract and confirmed in the Lease Termination Contract. 

XXXX XXXX  then reported this alleged debt to credit bureaus before I could respond and despite my notice that I was disputing it. The termination fee can not be determined without full copies of all three noted files, and a debt amount can not be determined without a history of payments applied against that termination fee. Neither XXXX or XXXX XXXX XXXX have furnished the requested information despite multiple requests over a period of months.
Product: Credit reporting or other personal consumer reports

I was trying to be a house and I realized that I had damages on my credit report. According to the 15 U.S.C 1681 there should not be any damages on my credit report its a deformation to my character.
Product: Credit reporting or other personal consumer reports

To whom it may concern I applied for an auto loan in the fall to only one company which is XXXX XXXX XXXX XXXX. I did not give consent to the dealership to use my credit for any other auto loans. I recently checked my credit report and was shocked to see numerous auto loan inquiries which I have no recollection of. I am assuming that they tried using my credit to approve any auto loans that they could with my report. I also submitted an Identity Theft Report to the Identity Theft website but have yet to see any progress.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized credit inquiries on my credit report, which is managed by Experian. As an XXXX XXXX member, I have had an XXXX XXXX on my credit profile since beginning XXXX XXXX in XX/XX/XXXX. Despite this alert, several credit inquiries have been made on my report without proper verification of my identity, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ). 

Details of My Complaint : XXXX Alert : My credit report includes a specific alert stating, " XXXX ALERT : I AM CURRENTLY ON ACTIVE MILITARY DUTY. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT # # # - # # # - # # # #. 
Unauthorized Inquiries : Despite this alert, the following inquiries were made on my credit report without proper authorization : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Legal Basis for My Complaint : FCRA Compliance : 15 U.S. Code 1681c ( a ) ( 1 ) : Requires credit reporting agencies to maintain accurate information on consumers ' credit reports.

15 U.S. Code 1681b ( c ) ( 2 ) ( B ) : Specifies that credit inquiries must be properly authorized. 
SCRA Protections : The Servicemembers Civil Relief Act provides additional protections for active-duty service members, including safeguards against unauthorized credit inquiries. 

Efforts to Resolve the Issue : On XX/XX/XXXX, I submitted a formal dispute to Experian requesting the removal of these unauthorized inquiries. I provided all necessary documentation, including a copy of my identification and proof of my active-duty status. 
Despite my efforts, the unauthorized inquiries have not been removed, and I have not received confirmation of their removal within the mandated 30-day period. 
Desired Resolution : I respectfully request the immediate removal of the unauthorized credit inquiries from my credit report. Additionally, I seek written confirmation from Experian that these inquiries have been deleted and that my credit report has been corrected. 

I appreciate the CFPB 's assistance in addressing this matter and ensuring compliance with the relevant laws and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Prosper Marketplace Loan account .Ive Been trying to verify this account for four months from XX/XX/XXXX XXXXXX/XX/XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Product: Student loan

Once graduated in XX/XX/2011, I was told I had to pay a very large sum every month. I explained I was not making enough money to afford the minimum monthly payment. I was told to put my loan in forbearance. I explained I could afford XXXX dollar payments a month. They told me that was not an option and forbearence was my only option.

Fast forward 1-2 years later they discuss Income Based Repayment which I signed up for. They said I could pay XXXX $ every month because my yearly income was so low, but left out that my interest would still be accruing. 
They also never discussed the benefits of consolidating my 10 separate loans so in doing my loan research years later I called and asked to consolidate. The woman I spoke with even stated " she was surprised this wasn't initially gone over when I first applied for the Income Based Repayment option. '' They also have my school loans listed as University XXXX XXXX? I have no idea why as I have never attended that school. 
My first mistake was going to the for profit college XXXX XXXX and finding out later I was lied to and thought to believe I would get a degree and have a well paying job. My second was listening to Navient and believing they had my best interest at heart.
Product: Credit reporting or other personal consumer reports

DEAR XXXX XXXX ; CREDIT BUREAU ; XXXX ; TRANSUNION ; XXXX  ; I am writing to dispute an inaccurate late payment notation on my credit report. These late payment was wrongfully reported on my account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX - as being late on my credit report. 
However these late payments are incorrect, inaccurate, and violations of my credit report and privacy, and I have proof on-time payment for those months. Having inaccurate late payment on my credit report are damaging my XXXX XXXX and ability for any company to extend credit to me. 

Therefore, I request that you immediately DELETE these late payment on my credit report, and please send me detail notification of correction once completed.
Product: Checking or savings account

On XX/XX/2021 I made a deposit into my Capital One bank account. I received a check from the Treasury Dept for an advanced child tax credit. I received a message that it would be available XX/XX/XXXX which I have attached an image. I later receive an email stating it wouldn't be available until XX/XX/XXXX. I contacted Capital One and informed them of this error and I also informed them that the checks aren't to be held. The rep claimed there was nothing to be done and apologized. I explained that had I known that the money wouldn't be available until Monday I would have brought it in to be cashed. I am filing this complaint because their funds availability date doesn't correspond with what they told me.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported XXXX XXXX on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the XXXX XXXX claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry XXXX XXXX XXXXXX/XX/2019.  Please investigate to ensure there is no fraudulent activity.
Product: Debt collection

I do n't recall signing any contract with a company with this name. I do n't recall this debt being verified. Do n't recall getting proof with a contract or signature. I requested that they provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent and did not receive the information requested.
Product: Checking or savings account

Capital one restricted my account without telling me and calling me or emailing me I transferred money which I can now not access Ive tried to call them several times and I either get disconnected or transferred to a branch that is closed I need my money
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I transferred money from XXXX XXXX XXXX to a friend account of East West Bank, which was XXXX USD. 
but my friend gave the wrong account, that account has been deleted, causing the transfer failed. 
Until today, my friend has repeatedly asked his customer manager to return the money. But the customer manager did not process it, and I did not receive a refund. 
The following is the transfer information : From Account : XXXX ( XXXX XXXX To Account : XXXX ( XXXX  ) To Name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

information on report is incorrect. the fraud alerts were where ignored XXXX XXXX company. companies that where reorted to fraud dept. where given access.
Product: Credit reporting or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ). 
1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. Did not consent to unauthorized inquiry. 
2. Account inaccurately reported. Account number is different from other bureau. Also Past Due of XXXX in a collection/chargeoff account. This is inaccurate reporting and misleading. 
XXXX XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ..promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 by certified mail I requested the following information be removed from my credit report as it is false and a direct violation of the FCRA In accordance with the Fair Credit Reporting act XXXX  account # XXXX ( Late Payment Lending Point Account # : XXXX ( Late Payment XXXX XXXX XXXX XXXX # XXXX ( Late Payment ) XXXX  Acct : XXXX ( Charge Off XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Collection Charge OFF ) 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 1666B : A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting, since XX/XX/2021, verification of these alleged debts that you keep reporting on my credit files. However, your agency has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law. I have been requesting, since XX/XX/2021 verification of these alleged debts that you keep reporting on my credit files. However, your agency has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
Product: Debt collection

I checked my credit score and saw that I have a collection for XXXX XXXX utility company for {$290.00}. The account was apparently opened on XX/XX/XXXX in XXXX TX under my maiden name. I have not used my maiden name since XXXX and I have never lived in Texas. I spoke with the collection agency, XXXX XXXX XXXX, and explained the situation. I was told to file a report with the FTC and to file a police report and to email both reports to them.
Product: Money transfer, virtual currency, or money service

Illegal wire transfer to XXXX from my checking account in the amount of {$4600.00} on XX/XX/year>