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

My account with XXXX was never late! I have had exceptional payment history witH cXXXX 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 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 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 or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these 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 XXXXXX/XX/year>
Product: Debt collection

I keep seeing XXXX XXXX  on all 3 credit report, that was in my dead fathers name and they think since i lived there i owe !!! No i do not! I also see another account from XXXX XXXX or XXXX this also is my fathers, these 2 accounts are suppose to be in his name not mine!!
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC has the wrong opening date and wrong date of delinquencies. Requiring removal of this charged off account. Requesting a 1099C from the company
Product: Debt collection

My debt was paid in full in XXXX and account was closed as I XXXX after left for the military. Since then I have been XXXX, XXXX XXXX and various states. Since XXXX I have not received any bill, letter or statement. I am not being called asking for XXXX dollars which I do not owe or ever received any bill. The credit company since had threaten to take away my father vehicle and continue to ask for payments and have failed to assist in sending a any bill. I do not owe any money to this comapny and they are treating of serving me to take me to court is their anything I can do?
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
permission. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX : {$250.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4700.00} ; XXXX XXXXXXXX Balance : {$6700.00} ; XXXX & XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

For the last XXXX  months chime has blocked my access to my account with XXXX XXXX dollars. Ive talked to customer service many times Ive emailed support many times as well as sending all required documents as asked they still havent giving me access to my funds nor unsuspended nor allowed me to close my account
Product: Credit card

I am a victim of identity theft. The thieves charged my Sam 's Club Mastercard several times. I've been calling Sam 's Club finance service synchrony bank for months to dispute these charges and to tell them that that was not me. I was charged multiple times for " XXXX XXXX. 
Charges from XXXX : {$520.00} - XX/XX/23 {$550.00} - XX/XX/23 {$400.00} - XX/XX/23 {$4500.00} - XX/XX/23 {$860.00} - XX/XX/23 {$1500.00} - XX/XX/23 {$860.00} - XX/XX/23 {$570.00} - XX/XX/23 {$4300.00} - XX/XX/23 {$420.00} - XX/XX/23 {$4500.00} - XX/XX/23 $ XXXX XX/XX/23 $ XXXX XX/XX/23 $ XXXX XX/XX/23 $ XXXX XX/XX/23 I have been calling both companies for months and there has been no resolution. All of the fraudulent charges are equating up to {$20000.00}. There is evidence attached to show all of these charges. It clearly shows on the billing statement how these XXXX charges are located in places like the XXXX XXXX XXXX XXXX. This has to be resolved ASAP.
Product: Debt collection

A Certified/Return Mail was sent to this creditor, Diversified Consultant requesting that the account # XXXX for the amount of {$180.00} since XX/XX/2019 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. Diversified Consultant must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA. 

Thank you, XXXX XXXX
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 
The FCRA
Product: Credit reporting

I had trouble signing up for Equifax membership product. I finally signed up XXXX XXXX, 2016. After 2 weeks I was scheduled to update my score and report. I continued to get an error " Contact the department at : ''. I contacted the membership department several times and even spoke a supervisor. I was told by each agent that there is some inaccuracies om my report and I need to speak to the dispute department. Not to mention I have also contacted Equifax located in Georgia, in which they also submitted a XXXX ticket to have this fix. In between these times I have contacted the dispute department and spoke to XXXX supervisors.! supervisor confirmed with me too, that there were multiple social security numbers and names associated with my information, and requested I send in proof of my identity. I sent copies of my ssn, ID, Tax forms and proof of address. I have confirmed that they have received my proof. Each time I have received a different response and no on has fixed my issue. Furthermore the dispute dept including the supervisors, have disconnected on me several times ( at least 5 times is an understatement ). I tried to refinance my loan and they tried 3 times to access Equifax 's report ( They only pull for Equifax ). They denied my application, because they were not able to access my report for Equifax. XXXX and XXXX XXXX XXXX has also had trouble accessing my file for Equifax , you will see multiple inquiries for them. This delayed my internet from being connected, in which I just spent over XXXX dollars to start college courses online. The second supervisor claimed it was an address, and she updated it. The other department I have spoke to was the online support department, who has confirmed that I also need to speak to the dispute department, after that XXXX supervisor transferred me again. I attempted to call Equifax again today ( XXXX, Ga XXXX XXXX and I was told the same thing,,, " there was nothing wrong with my report, and I need to have the creditor run a new application. Also they need to make sure they are pulling the correct report. '' I have told each creditor this and if it was that simple ; Why is Equifax , not able to pull an updated credit score or report? I informed the supervisor that I have told th creditors that already. She hung up on me and the agent, ( as usual ) asked for a callback number, in case we were disconnected. But did not call back. My 1st ticket was supposed to be finished XXXX XXXX or XXXX.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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, credit repair services, or other personal consumer reports

This is my 10th 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. 
XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

So this is basically the same scenario that happened last time. I quick pay myself on Sunday XX/XX/2019 {$200.00} from my Chase savings acct. to my checking acct. to cover checks that are going to clear. By Monday XX/XX/2019 I had a balance about roughly {$420.00} give or take. So I look on my account today and for some stupid reason I was charged yet again another two fees of {$34.00} equaling {$68.00}. So they, meaning Chase took it upon themselves to wait for my checks to clear then allow my quick pay transfer to go through afterwards. I am not in the red now but, I am charged yet again because they, meaning Chase, dragged to accept my quick pay, literally from one Chase account to another. I don't understand the timing and shouldn't be punished for this. As of Monday my acct. was in the green and I have plenty of money in their to cover. Also their was yet another day were they charged me and yet again the money was in my Acct. ending in XXXX. This transaction was on XX/XX/XXXX. This has to stop or they have to add some guidelines as to how long a quick pay transaction ACTUALLY goes through. My total for fees was {$100.00}. I also have the documentation to prove it as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, This letter is a formal complaint that you report inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately XXXX XXXX XXXX XXXX XXXX XXXXccount Number XXXX Please remove this information on my credit report. 


XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX Please remove this information on my credit report. 




XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX Please remove this information on my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX Please remove this information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX Please remove this information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX Please remove this information on my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX Please remove this information on my credit report. 


In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 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 ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted Experian to remove negative items that dont belong to me off of my credit file and they denied my claims
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, never gave Experian any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute. 

Experian also does not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


As a consumer, I am demanding the deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I submitted two transfers from my XXXX XXXX account to Robinhood brokerage, in the amount of XXXX usd and XXXX usd on XX/XX/XXXX and XX/XX/XXXX. While Robinhood says it will take 5 business days to transfer, they are doing disservice and not being ethical. Why. My bank says funds have been withdrawn. And it said that 2 days back. But it doesnt reflect in my Robinhood account. They say we said 5 trading  days. But this is unfair as my experience with other brokerages such as XXXX XXXX takes no more than 3 days. 

Robinhood is holding this amount to make money for two extra days in interest without transferring to my account. This needs to be investigated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to report a violation under the FCRA. Equifax is reporting an unverifiable item. I am demanding this item to be removed from my credit report. 

If Equifax fails to remove this item from my credit report, I will not hesitate on filing suit. I am giving Equifax the chance to solve this through the CFPB portal. 

I am aware that reporting an unverifiable item violates the Free Credit Reporting Act and that it can be taken to court. I give Equifax 30 days to remove the item and send me a deletion letter for my records. 

Thanks to whomever reads my complaint. 

See documents attached.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, A XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information and they have failed to provide all the information on the XXXX  XXXX XXXX
Product: Mortgage

In trying to work out a resolution on my reverse mortgage/balloon payment, I made a {$4100.00} payment via wire transfer to SPS on XX/XX/23, just as they required me to do, yet the payment was never applied to my account. I've called them multiple times, uploaded a copy of my payment receipt to SPS on their website, just as they instructed me to do in order for them to provide assistance and research the payment, and still no credit. This proves the malicious intent of SPS to wrongfully proceed with foreclosure. I have offered them additional payments, submitted financial assistance/modification applications, called them, emailed them... what haven't I done in good faith? The most recent statement from them shows an amount due of {$6700.00}! Where is my {$4100.00} payment?????? I need help, please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times by mail for errors on my report 1.XXXX XXXX XXXX  # XXXX reporting late XX/XX/XXXX this needs to be updated to reflect pays as agreed NEVER LATE. 
2.XXXX  XXXX # XXXX This mess should be removed IMMEDIATELY! 
3.XXXX  XXXX XXXX XXXX Account XXXX reporting late payment XX/XX/XXXX. My. rights are being violated. As stated by FCRA 611 ( a ) ( 7 ) I asked for a copy of all the information given to them from the investigation proving everything stated here is accurate as they are reporting. I have serious concerns about their so called investigations. On the XXXX XXXX XXXX account did they receive documents from XXXX XXXX XXXX  or was it XXXX? For the late date they are reporting XX/XX/XXXX the account belonged to XXXX. On the XXXX account what documents were received to prove this should be valid for reporting on my credit file.. The XXXX account where there any documents sent??? I have a hard time believing their generic responses. If Experian has verified what they're stating they verified why have I yet to receive the documents requested??? This doesn't make sense AT ALL. I'm highly frustrated as they continue to report incorrectly. I'm being affected by having to pay higher deposits and interest rates. I have been denied a place to rent because of my credit file.
Product: Debt collection

They are calling my parents home where I have not lived at for over 14 years repeatedly from XXXX-XXXX none stop. My parents have told them various times that i do not live there and they have continued to call from different numbers at all hours of the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason, I request that all of the attached inaccurate information listed in my credit file be updated immediately : XXXX XXXX XXXX XXXX : {$460.00}
Product: Debt collection

I have a repo for an auto loan but I never received the amount that say they sold the car for. On my credit report it say about XXXX but when I talked to someone the said XXXX. I want proof of the correct amount the car was worth and sold for. If not I would like it removed from my credit. I also dont think I should have to pay XXXX in interest. Please help