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

My account with XXXX XXXXXXXX, COBALT XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX, COBALT CU 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 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 that are reported 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 XXXXXXXX, COBALT CU Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 
Under federal law, you have ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 3015 U.S. Code 1692e - False or misleading representations ) days of the completion of your re-investigation.

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open charge off on my report that has since run its term. The account is with XXXX XXXX XXXX. The amount is approx {$2200.00} and it was charged off on XX/XX/2013. It has run its time of 7 years and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX  XXXX XXXX Balance : {$3300.00} XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit card or prepaid card

In XXXX, XXXX, I noticed that I have been charged $ XXXX monthly by a company called XXXX XXXX XXXX. Their website is XXXX. 

I checked my past statements and realized they have been charging my CitiBank credit card for over a year. This was all done without my knowledge or consent. I did not recognize these charges and investigated. I saw that it is a company that sells real estate reports on properties. 

I never sought their service. I did not even know their company 's existence. I never received any product or service from them, nor did I ever attempt to make any purchase with them. I definitely did not agree to pay them $ XXXX for so many months. 

I reported this issue to CitiBank. They ruled in favor of the merchant, who claims that I have been authorizing these charges every month for their product or service. 

I have not ever received or used a single product or service from this subscription they have been charging me for. I did not agree or consent to these charges. 

CitiBank ruled in favor of the merchant without even listening to my concerns or statements. The merchant could not even provide proof that I used their product or service even once. Again, I did not make this purchase. I did not agree to any of it. Why am I being held liable for fraudulent charges that I did not myself make? Why am I being held liable for fraudulent purchases for which I did not use any of the product or service? 

CitiBank sides with businesses that participate in credit card fraud and predatory business practices. As a CitiBank customer for over 30, maybe 40 years, this has been an extremely disappointing and haunting experience. I am out thousands of dollars, and my bank is not protecting me when I am clearly a victim of credit card fraud.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) ( 4 ) states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. 

There is no contract between Portfolio Recovery Services LLC and myself, nor is there any contract novation in place between the original creditor XXXXXXXX XXXX XXXX, third party Portfolio Recovery Services LLC and myself, therefore I have no obligation with this non-affiliated third party Portfolio Recovery Services LLC. 
Per 15 U.S. Code 6802 section b ( 2 ) states, This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. Portfolio Recovery Services LLC has not provided a contract with the original creditor stating they are contractually obligated to collect on the original debt on behalf of the original creditor. 
15 U.S. Code 1681:604 section a ( 2 ) states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' I invoke my right to opt out at any time of my non -public personally identifiable financial information as defined in 15 U.S. Code 6809 4 ( a ) from being reported on and to credit reporting agencies from the third party Portfolio Recovery Services LLC . 

Portfolio Recovery Services LLC and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and Portfolio Recovery Services LLC whether it is verbal, non-verbal, written, implied or otherwise is revoked. As the consumer per 12 CFR 1016.7 ( g-i1 ) which states that A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. This opt out shall be in effect for any past present and future endeavors of, between and through Portfolio Recovery Services LLC, XXXX, XXXX and XXXX pertaining to myself and any variations of the name as listed in the opt out letter attached to this CFPB complaint file.
Product: Debt collection

In attempt to pay the debt in full, i contacted the Merchant Adjustment Bureau. When reached, they informed me that there was no longer any debt owed to them. The debt was not in their hands. After this was confirmed i had them removed from my credit report with XXXX  but they were not taken off of XXXX. It was not and is not there debt, during the attempt to make a payment. They do not need to be on my credit report.
Product: Debt collection

XX/XX/ {$2200.00} is the amount they trying to say I owe them when I never got them. I reached out to let them know on more then one occasion. I'm not not paying for something I never received. I have called XXXX  more then one time to let them know i never gotten these aligners. Then they sold my information to a company and i didn't authorized them to sell my information to and they added this onto my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that my profile report contains unauthorized accounts that are illegal. I'm concerned that you've included the following information in my credit profile and that you've neglected to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you distribute. Credit reporting laws require agencies to report only accurate credit data. Each step should be taken to ensure that the data detailed is completely accurate and correct. The accompanying data should be re-examined in this manner. After carefully pulling my credit report from your agency, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or inaccurate information because my information was exposed as a result of the XXXX data breach and may have ended up in the wrong hands. You are filing reports negligently and inaccurately, in violation of the FCRA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I'll seek a default judgment and file a class action lawsuit under XXXX 1640 on behalf of at least 1 % of the corporation for violations, stress, and mental anguish, OR ANY OTHER AMOUNT OF DAMAGES UNDER XXXX.
Product: Mortgage

My Home Mortgage was assumed by Wells Fargo ; when Wells Fargo assumed the loan they took my name off the documents. The loan was set up as my parents as co-Mortgagor and I was a co-Mortgagor. Well Fargo change the loan where it was only in my parents name. Not until 2012 was I able to access the loan. I reported this to the XXXX on three different occasions ; I am a co-Mortgagor. I was given different excuse for my name not being listed ; one was their system was only formatted for two names ; and here recently they said how the names were listed on the deed ; and as I explained to theme my name is visible on the deed and I need my name visible on all the documents. I live in the house my parents do not I handle all business regarding the home. One representative told me I need to assume the loan for my name to some on the loan ; I asked her why do I need to assume a loan I am already one. Every person you speak with gives you a different story. I spoke with the executive office they were very condescending ; I was told ; " You want something you ca n't get ; '' and " You ca n't always get what you want. '' I do not know why this representative felt he could speak to me in this manner was it demographics, gender, or bigotry. I have explained on several occasions to different representatives and the executive office if you are paying for something for the past 30 years you want you name to appear on the documents regarding that purchase. They could get my name on the payment coupon ; but when it comes to official matters regarding the house their system could not process all our names on the documents. I Was charged a late fee on XXXX 's Mortgage ; the payment arrived on the XXXX the office was closed a XXXX, and XXXX was the XXXX ; the payment arrived on the XXXX and the payment was not processed until the XXXX. They told me this payment was was late but previously I was told when a payment is due on a weekend the next business day the payment would be processed. This is another example of Wells Fargo saying one thing and doing another.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a credit inquiry listed that was madeby the following entity. However, I did not authorize this inquiry, and I am disputing itsinclusion on my report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, and XXXX and state that the credit companies are not complying with their own policies in a timely manner. 
I sent disputes to bureaus and collection charge off company XXXX XXXX XXXX XXXX XXXX XXXX these are the dates my letters went out and calls XXXX told me that my compliant was old but they received it and XXXX, XXXX, TransUnion have accounts back added as a reattach to my report once removed off
Product: Checking or savings account

In XX/XX/XXXX, USAA froze my bank account due to suspected fraudulent activity. The account held over a months worth of essential funds, including my disability payments, which I relied on for rent, living expenses, and bills. After a month, USAA closed the account without resolution. Despite repeated attempts to contact them and resolve the matter, USAA delayed returning my funds. It wasnt until XX/XX/XXXX that I received the first of XXXX checks for the funds they had held. 

This mishandling caused severe financial and emotional harm : 1. Vehicle Repossession : In XX/XX/XXXX, I was unable to make payments on my XXXX XXXX XXXX due to the account closure. USAAs delay in returning my funds prevented me from paying the reinstatement fee of {$1200.00}, which would have allowed me to recover the vehicle. The loan went into full default, and the balance grew to {$20000.00}. Despite eventually paying off the debt in XX/XX/XXXX, the repossession severely impacted my credit and financial stability. 
XXXX. Housing Instability : The account freeze and closure left me unable to pay rent for XXXX months, resulting in {$10000.00} in arrears, including eviction-related fees. My landlord issued a XXXX eviction notice. While I provided evidence of the account freeze to the landlord and negotiated to avoid eviction, I had to borrow money to cover the balance, which further strained my financial situation. 
3. Mental Health Impact : By XX/XX/XXXX, the cumulative stress from the repossession, housing instability, and lack of access to my funds led to my hospitalization at a VA facility for severe XXXX. This period was particularly challenging as I am a veteran managing XXXX, and the financial and emotional fallout greatly affected my mental health. 
XXXX XXXX and Banking Issues : After USAA closed my account, my credit score dropped into the low XXXX due to missed payments and the defaulted vehicle loan. Additionally, I was denied new accounts by XXXX banks, citing issues related to the USAA account closure. These challenges created long-term financial difficulties, including higher interest rates on subsequent debts. 

USAAs handling of this situation caused a domino effect of financial harm. The delayed return of my funds and lack of clear communication disrupted my financial stability, led to significant debt, and caused long-lasting credit and emotional damage.
Product: Money transfer, virtual currency, or money service

I was signed out of my mobile app and when I attempted to sign back into my account it says my phone is not a trusted device. I then start the verification process to log back into my account and when I type in the sms code provided to me it says " Invalid code ''. I am currently still unable to log into my account which I was logged out of from without my consent.
Product: Credit reporting or other personal consumer reports

I looked at my report back in XX/XX/XXXX, and noticed some things are incomplete and inaccurate. I sent a letter to XXXX on XX/XX/2023, and asked them to investigate the completeness and accuracy. I received the results and noticed they fixed nothing. They are breaking Federal law. 


15 USC 1681e ( b ) states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 


15 USC 1681 ( 5 ) states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information. 


( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( * ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors or deleted from the file of the consumer. 


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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( 1 ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( li ) the information is, in fact, inaccurate. This is unfair and if they are doing this to me imagine who else they are doing this to. Can you fix
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whomever this finds, I hope you are doing well! 

I have been tirelessly trying to fix a XXXX day late error on my credit report that has dropped my score more than XXXX points since XXXX. 

The company in question is Barclays/Barlcaycardus . 

On XX/XX/2020 I made an on-time payment of {$250.00} to my credit card account. On XX/XX/2020 I received an email stating that the payment was received by Barclaycard/Luxurycard . I have photos/screenshots proving this statement. 

When attempting to make a payment on XX/XX/2020, I was prompted with a past-due 30 day late payment for the month of XXXX. When reaching out to Barclays via phone immediately, I was told that no payment was made in XXXX, and the payment never posted to the account. I told them I received XXXX communication from them stating this prior to my phone call, and was told there was nothing they could do. 

In XXXX of that year I wrote to the Executive Office of Barclays US and told them the story I told you. They investigated the matter and also told me there was nothing to be done and they need to report accurately and the XXXX day late was accurate. However, they also told me that they have no record of their own company sending any notification, email or text/phone call, letting me know the payment didn't go through. The App also reflected that a payment was made.. 

This is the kind of scenario that destroys trust among customers with large institutions and it needs to be looked into. I have been denied loans and come under scrutiny during credit checks because of this. This was not my fault and I should not have to bear the responsibilities of Barclays ( lack of ) actions. 

Best Regards
Product: Credit card or prepaid card

My card got suspended and they want issue me a new card they said I had to talk to the fraud department they want never answer the phone I need my card for my unemployment benefits its eppicard please help me get my card unsuspended
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset over the credit report. This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. This account resulted due to identity theft. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this account from my credit report immediately! 
ONLY TRANSUNION HAS REPORTED THIS NEGATIVE ACCOUNT ON MY CREDIT HISTORY.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I contacted XXXX XXXX Bank about the incorrect credit card Account they furnished on my XXXX XXXX, to no avail. I have been calling all the Credit agencies also to remove these accounts, and they have not done so. 
My credit have been impacted also my quality of life, which is very detrimental for me.
Product: Debt collection

I applied to get an apartment for myself and my XXXX years old daughter. I received a phone call that my application was denied due to credit issues and I asked them I should not have any issues on my credit report and they could not give me the details. I had gone to my cousins house and used his computer to see my credit report from XXXX. I did that and I saw a collection account for an unpaid XXXX account from company called DIVERSIFIED CONSULTANT. I immediately called XXXX and spoke to billing department and they told me that my account was in a good standing with them. then I called DIVERSIFIED CONSULTANT and talked to their repersentive about this account that showed up in my report and they told me that based on my social security information they do not have any account that they are reporting to the bureaus. I told them I like to speak to supervisor and told me the same thing. then I asked them to provide me with the a letter that I do not have an account with them and they told me they can not do such a thing. that 's why I am here hopefully with your help I can get my problem resolved.
Product: Vehicle loan or lease

The loan company refuses to accept my payments for pay off. They have terrible means of resolution advising I can either use the phone system or send a payment by mail and I do not wish to send because of security issues. Payment systems state my account number is invalid. I work at a bank in the loan industry and I know there limited service and means of payment are unexcusible. I called customer service and they stated that " it should be working '' I just want to pay off my loan and get my title however they reject all electronic payments from my large financial institution. They should be looked into for regulatory compliance.