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

My account with XXXX XXXX XXXX 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 60 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 21 days before the payment due date. 


XXXX XXXX XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested both online and via usps mail that fraud alerts and freezes including the extended be removed from my credit report but have failed to be removed. Furthermore the initial fraud alert was done so fraudulently in an attempt to keep me from using my own credit and obtaining credit. I have include my DMV issued identification as I have also done previously to verify my identity
Product: Debt collection

- Agent of company threatened garnishment prior to notice of court proceeding to collect debt in a manner that suggested that they were already moving forward with garnishment.
- Agent of company advised my wife on first contact that she did not represent a collection agency, but represented an attorney 's office. Later communications suggested otherwise.
- Agent of company stated that she was moving forward with notice of court proceedings while my wife and i were attempting to set up payment arrangements. While we were discussing payments, agent stated " i 'll just send your wife 's notice. I wo n't send yours ''. The agent used the notice as a harassment technique as we were attempting to come up with payment arrangements, we advised that we would comply with payment arrangements and even followed through exactly in the time frame agreed upon to get information in to determine payment amount.
- Agent stated that they would not consider any hardships in payment arrangements. Stated would not consider family size or other recent hardships to determine payments. Stated would look at paystub and determine garnishment amount and base payments off of that. Agent stated that tax agency already had a judgment so would not take any less than what is needed. 
- Agent repeatedly placed my wife and i on long holds throughout conversation that had nothing to do with collection call. Agent stated that she was talking with multiple consumers during call and used hold as an attempt to frustrate us and get us to comply with demands. 
- Agent intentionally did not return voicemails left for 3 days in order to not talk to us until required day to send notice of court proceeding to collect debt. 

The agent of this company, XXXX XXXX, used threatening and inaccurate statements as well as unfair and deceptive practices in order to gain a higher payment and to get us to make immediate payment. The practices the agent took can threaten my job and were done with the intent to unfairly put her into a position of power.
Product: Credit reporting or other personal consumer reports

Well now Im looking at my credit and I have a fraud alert on another credit burial as well due to someone using my name fraudulent and they have my stuff on the dark web and I am in the check system as well due to someone writing checks in my name at XXXX i need to really clean all this stuff up i also have a fraud on irs I get a PIN number every yr so in XXXX! This jeweler store called XXXX XXXX and XXXX it closed in XXXX I never mad that account ever I dont no who did it and I need that off my credit report and also the inquiry part I never did a credit check on capital one and a few other too I never did not do any authorization for those inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to use the score boost on experian but run into a security issue while logging into my bank through experians website. this is incorrect as i am correctly entering all security information to allow access to my bank. when i call experian the automated system hangs up on me after it verifies my identity but refuses to all me to do anything besides report fraud or request a credit report. for something which drastically effects my life and well being as my credit score, id like to be able to talk to someone. now. it is incredibly ridiculous that you stomp on us consumers like this while turning a profit off our backs.
Product: Credit reporting or other personal consumer reports

Equifax is currently reporting information that is inaccurate on my consumer report. I have sent two letters stating the issues at hand and the situation hasn't been rectified. On my personal information there are three names reporting instead of just one, My name is XXXX XXXX. There are three addresses reporting instead of just one. My address is XXXX XXXX XXXX XXXX, Ga XXXX. There are several closed account that are being reported with late payments that have been on my report for years that is currently affecting me. I have a hard inquiry from a loan company I never applied for, and I have three collections that are reporting on Equifax that isn't reporting anywhere else because they have been resolved.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name 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 XXXXXXXX
Product: Checking or savings account

XX/XX/year> A letter stating that something about the enrollment from electronic XXXX distribution which I've never seen ever since I've had this account and they gave me I guess XXXX days I tried to call to enroll and was unable to do that successfully and then they closed my account on the XXXX of XXXX so they so it's a two-day notice that account was closed due to over overdrawn checking when it should have never been overdrawn because I was not opt into the overdraft protection sometimes maybe a couple dollars but not {$XXXX} this was not authorized by me
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment reporting on my credit report with your agency. The late payment ( s ) in question were reported during my XXXX forbearance period with Freedom Mortgage. I have enclosed documentation supporting my claim that these payments were not late but were satisfied as part of the forbearance agreement. 
Account Information : Account Number : [ XXXX ] Creditor Name : Freedom Mortgage I entered into a forbearance agreement with Freedom Mortgage due to financial hardships caused by the XXXX XXXX. As per the terms of the forbearance agreement, I made all required payments in a timely manner and fulfilled my obligations under the agreement. There were no late payments during this period. 
Enclosed with this letter are copies of relevant documents, including the forbearance agreement, payment receipts, and any correspondence confirming the satisfaction of the forbearance agreement. These documents clearly show that the late payments reported on my credit report are inaccurate. 
I request that you investigate this matter and update my credit report accordingly to reflect the accurate payment history during the forbearance period. Please provide me with a written response once the investigation is complete and the necessary corrections have been made to my credit report. 
Thank you for your prompt attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at XXXX. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX - Spoke to Capital One Customer Service concerning my request for a credit line increase. My account has been open since XX/XX/XXXX. Since opening my credit card limit I received XXXX automatic credit line increase. My limit is {$1100.00}. My current balance is {$820.00}. Since XX/XX/XXXX I became XXXX  and working with the credit bureaus to increase my credit XXXX score to qualify to purchase a home. I have made Qualifying ( above minimum ) payments for over 12 months. Recently as of XX/XX/XXXX I requested a credit line increase. On XX/XX/XXXX I have been declined for an increase. I have communicated with Capital one XX/XX/XXXX concerning the decline in credit line increase with representatives of Capital One and 2-Sr. Supervisors. The last Sr.  Supervisor I spoke to was XXXX. My account with Capital One was satisfactorily documented. Capital One has stated in writing and verbally in that there is no criteria for anyone specific to deciding on qualifying for a credit line increase. However, I have qualified in general and have met the general criteria for an increase and I have been refused without specificity or guideline on what is necessary to receive a credit line increase. Capital One states in writing ( on the FAQ ) and verbally, " GENERALLY, IF YOU MAKE MORE THAN YOUR MINIMUM MONTHLY PAYMENT ON TIME FOR THREE MONTHS YOU CAN REAPPLY FOR A CREDIT LINE INCREASE. '' I have me this criteria prior and currently and have been declined without justification. I believe this is discriminatory. Capital One states the guideline for credit line increase is the same for All. XXXX was not able to answer to where I come short for a credit increase because they do not have a guideline or number figures to go by in determining an increase for anyone in specificity wherefore, it is only determined by a system and not performed by a human. I believe strongly I qualify for an increase whether requested before XX/XX/XXXX or if I request after XX/XX/XXXX. My Complaint is Capital One has denied me erroneously and discriminated me from an increase in credit line. I kindly request a review of said complaint with a response and answer as to why my account does not deserve a rightful increase in limit based on making qualifying timely ( above minimum ) payments for over 6 mo to 1 year and have reduced my balance as written in the FAQ written documentation. I have attached as Follows and in no specific Order : Credit line increase denial, Payment Activity to date, Statements from XXXX to XXXX reflecting credit lines of {$500.00}, {$600.00} and {$1100.00} over the span of 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting to XXXX XXXX XXXX XXXX XXXX XXXX that they closed a fraudulent account down under my name with the incident date showing as XX/XX//2019. It also shows that Their total loss was {$0.00}. I have contacted XX/XX/XXXX and the information was blocked, however it was added back to my account at a later date and Bank of America stated they verified the information as accurate. They could not produce a copy of my ID, my signature card, or contract signed by me authorizing the opening of an account The only proof they sent was past bank statements, which proves exactly nothing. Of course there are going to be statements as all banks send those out monthly. Just because a bank statement exists it does not mean that it is mine. I am the one who called in to report it as Fraud, and even with their lack of supporting information, they refuse to remove it from my file. This reporting needs to be cleared off of my report by Bank of America or permanently blocked by XX/XX/XXXX. I sent in all of my ID theft documentation to both companies, This was not my account. There is no back of America anywhere near where i live, and I have never done business with the company period. If they refuse to remove this and keep reporting the false and unverifiable information I will take civil action per the FCRA and FDCPA. I have also sent this complaint to the XXXX XXXX XXXX at the Oklahoma Attorney Generals office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following a review of my XXXX credit report, I determined that said report contained an XXXX/Citibank credit card that was closed over 10 years ago. I initially disputed the account as antiquated to no result. Not only did XXXX ignore my dispute, Citibank did as well. They simply failed to respond. 

XXXX/Citibank - under account number XXXX - should not remain on my credit profile as any and all negative activity far exceed the seven year retention period as allowed under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT. XXXX YOU ARE FURNISHING INACCURATE INFORMATION TO THE CONSUMER REPORTING AGENCIES. The Reporting of this Account as a Debt is Inaccurate. The Legal Definition per the IRS OF a Charge off is Income. Income does not get Reported on a consumer report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( 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 A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. The Reporting of this Account as a Debt is Inaccurate. 
XXXX XXXX THE LEGAL DEFINITION PER THE IRS DEFINES A CHARGE OFF AS INCOME. INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT. XXXX CONTINUES TO VIOLATE MY RIGHTS BY REPORTING GROSS INCOME AND ORDINARY INCOME ON THE CONSUMER REPORTING AGENCIES BREAKING THE LAW. THIS ACCOUNT IS A " CHARGED OFF '' THE LEGAL DEFINITION PER THE IRS DEFINES A CHARGE OFF AS INCOME. THE REPORTING OF THIS ACCOUNT AS A DEBT IS INACCURATE. THE IRS STATES CLEARLY THAT ANY GROSS INCOME OR ORDINARY INCOME CAN NOT BE REPORTED INTO A REPORT BY ANY FURNISHER OR CREDIT REPORTING AGENCY.A CHARGE OFF IS GROSS INCOME PER THE IRS. DELETE THESE ACCOUNTS MENTIONED IN THE COMPLAINT ASAP AND I'M REQUESTING {$1000.00} PER EACH VIOLATION. XXXX XXXXXXXXXXXX XXXX  Continues to Violate multiple laws from Congress 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). CHARGED OFF is considered a certificate of indebtedness per the IRS and income can not be reported making The Reporting of this Account as a Debt is Inaccurate. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORTS BY LAW AND By Definition PER the IRS Clearly says a Cancelled debt or Charge off is Income. ADDITIONALLY THE LAW CLEARLY STATES Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report DOES NOT include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX, ) making the report. ADDITIONALLY I never received a 1099-C FROM for the cancelled debt. XXXX is writing off debt with the IRS years Ago WITHOUT sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is ILLEGAL. You are hereby put on notice that you are reporting incorrect inaccurate information. DELETE THIS ACCOUNT.
Product: Debt collection

Dear Sirs/Madam, XX/XX/XXXX I am contacting you because of a bill from a hospital in KY that I was not at and did not sign papers stating that I would be the reasonable party for the bill. 
I received a bill from XXXX XXXX XXXX XXXX in XXXX, KY in XXXX of XXXX. Upon investigating what this was for I found that my daughter went to this hospital while I was in XXXX, TN. I did not take her to this hospital and I have never set foot in this hospital. I contacted the hospital on the XXXX of XXXX and explained to them that I was not there and that I was not reasonable for her health cost because she was over 18 and I never signed anything for her. I spoke with a XXXX at XXXX XXXX that day and was told that they would address it. I called again on XX/XX/XXXX and spoke with an XXXX at XXXX at XXXX and they stated they would contact me regarding this bill. I never heard from them. I called again on XX/XX/XXXX at XXXX and spoke with a young man at XXXX and was told I could not speak with the supervisor. On XX/XX/XXXX I spoke with a XXXX at XXXX was supposed to get a letter from them saying it was withdrew from XXXX or XXXX. I never received that letter and had thought it was taken care of. XX/XX/XXXX I received a letter form the GLA Collection Company in regards to this bill. I contacted them in XX/XX/XXXX XXXX and spoke with a XXXX, and I submitted a letter to them and it was submitted for removal from my credit report. I called again on XX/XX/XXXX and spoke with a XXXX and did receive a letter dated XX/XX/XXXX stating that the account was placed on my credit report in error and was to be removed. After checking my credit report it was not on my credit. I thought it was resolved. 

On XX/XX/XXXX I received another collection notice from XXXX XXXX XXXX in reference to the same bill. Again calling on XX/XX/XXXX at XXXX pm XXXX and speaking with a XXXX and stating I was not reasonable for the fact she was over 18, I did not take her to that hospital and did not sign anything. I was not reasonable. I also sought out the advice of an attorney and was told to tell them they were in violation of the fair debt collection act. I gave them the attorneys name and phone number and ended the conversation, I did not hear from them again. 
In XXXX of XXXX or so I got another notice from XXXX XXXX XXXX in regards to the same bill. I contacted my attorney and was instructed to just ignore it. So I did. 
On XX/XX/XXXX I have received yet another notice and I was contacted that there was a change on my credit report by this company for the amount of {$2400.00} and was put there by the XXXX XXXX XXXX. 

I have heard that these things can be sold over and over and over. But when does it become harassment? I have had to deal with this for the past six years and was supposed to have been resolved five years ago. 

Please what can I do?