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 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 XX/XX/XXXX to XX/XX/XXXX 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 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 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: Money transfer, virtual currency, or money service

XXXX$ dollars was taken XXXX XXXX  2024
I sent XXXX$ 4 times
Product: Credit reporting, credit repair services, 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. 

XXXX # : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX, has violated my rights. 


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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : that 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( a ) ( 1 ) Section States : That 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

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX BANK XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX EQUIFAX : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting Utilization on multiple accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting or other personal consumer reports

I am writing to you for the third time. I have tried to contact the creditors and the credit bureaus and I have not gotten a response from you. I need you to please help me eliminate the following late payment XXXXXXXX XXXX account number XXXX date : XX/XX/year>, XX/XX/year>. What the bureaus are doing is a total mistake. I really need your help. It is affecting me in obtaining a house for my children
Product: Money transfer, virtual currency, or money service

I am filing A complaint against Cash App ( Block , Inc ) for to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) And Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I went to the deb collectors website ( Associated Credit Services , Inc. ) XXXX XXXX XXXX XXXX, MA. to let them know that this debt was my fathers, who is XXXX. They then sent a follow-up letter attempting to collect the Debt, dated XX/XX/XXXX. I sent another message to them on their website as follows : RE : XXXX XXXX XXXX  Account # : XXXX Our Account # : XXXX XX/XX/XXXX in response to notice sent XX/XX/XXXX CC : XXXX CC : Consumer Finance Protection Bureau This debt is associated with my father who is XXXX  ( same name ). Please halt attempts to collect this debt. My year of birth is XXXX. 

This is the second notice I have sent you. According to FTC, you were to provide proof that this is my debt which you have not done. I will be filing a complaint now with the CFPB. 

XXXX XXXX XXXX XXXX
Product: Debt collection

After reviewing my latest consumer report, I have identified the inclusion of bankruptcies that reporting. I am aware of a violation of 15 U.S. Code 1681a ( 4 ), which pertains to the Consumer Right to Privacy. Specifically, it has come to my attention that these bankruptcy claims should not be on my credit report, and furthermore, it appears that my personal information has been used without my consent. Use of my information without consent is identity theft. I am a victim of identity theft, and as such, there are criminal and civil liability associated with these discrepancies. I will pursue to next elevated action against you. Please correct urgently and without delay.
Product: Credit reporting or other personal consumer reports

There are dates of account opening when it was opened over 7 yrs ago. I was in the hospital here in California all of 2023. They are saying account opened in 2023.
Product: Credit reporting or other personal consumer reports

Upon submitting a dispute with Experian to throughly investigate some incorrect or fraudulent accounts reported on my consumers report and provide validation of debt to companies as well nothing was resolved or handle properly. Instaed of blocking information on my credit report due to fraud they insisted that my request was either made in error or stated I knowingly knew the fraud had taken place therefore they denied my request. In term resulted in my personal credit file was not blocked as previously asked nor resolved and ignored the certified letters sent into them regarding my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : My name is XXXX XXXX. My first issue is that my name needs to be updated on my credit reports due to marriage and any other known names on my report should be removed. I have called XXXX, TransUnion, and XXXX  multiple times and it is extremely irritating to be passed around to multiple departments to speak with a human. I need my employers disputed and removed off of my report for all bureaus. I need all addresses to be removed off of my report other than the one that I just updated and that shows on my drivers license that is attached and my utility bill. I need all inquiries removed and/or disputed from my report please. I do not have a car in my name and I haven't applied for one in quite awhile. I do not and I have not ever had a car loan in my name with XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX. I do not owe XXXX any money that is being reflected by XXXX XXXX XXXX. I do not, nor have I ever had an account with XXXX XXXX. Any inquiries on my reports should be removed because I haven't applied for anything. All I would like is for these items to be removed. I also do not have a bankruptcy and I haven't filed. I would like those removed as well. Thank you.
Product: Bank account or service

Basically what happened is before XXXX in 2015 someone that I do not know deposited checks into my bank account in the amount of XXXX dollars and withdrew the money from an atm in XXXX. I changed my password immediately on my USAA app on my phone and reported this fraudulent activity to USAA. I did not hear anything from them and suddenly my bank account was frozen and my account was XXXX. Shortly after I was unable to get any of my XXXX paychecks and the bank said that money can only go in not come out. I have not received any paychecks since this time and now they say that I owe XXXX to reopen my account. I am a XXXX veteran and times are tough I can not pay the XXXX and in addition to that I am unable to work to make any extra funds. would just like my money back that is mine and was payed to me from the XXXX administration and from social security. I have had Usaa for approximately 9 years and I feel like they have left me for chopped liver. Any help would be greatly appreciated. 

very respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries on my credit report that I did not authorize. Someone else added me as an authorized user to a credit card, I did not authorize this, nor had any knowledge of this. Now theres XXXX inquiries bringing down my score that I did not authorize. 
I contacted XXXX and had my name removed from the account, but the inquiries remained? It should not have been there in the first place. This is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS XXXX TO RECITIFY THE LATE PAYMENT ON MY CREDIT. XXXX IS THE ONLY BUREAU TO REPORT SUCH UPDATED INFORMATION. XXXX AND EXPERIAN ARE STILL REPORTING THE LATE PAYMENT. THIS NEEDS TO BE CORRECTED ASAP. I HAVE ATTACHED THE LETTER FROM XXXX.
Product: Credit reporting or other personal consumer reports

Hello and Good Day I reached out to XXXX credit bureau through certified mail to dispute this matter which I am unaware of. I XXXX XXXX XXXX XXXX never gave these companies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD SERVICES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX VIA DEALER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XX/XX/XXXX I did not give permission in any shape, way or form to run my information nor do I know how they got my information. When I realized these hard inquiries were on my credit report I took action right away, since I didn't recognize it. What I did was sent out an unauthorized inquiries document that I typed up. Sent it certified ( A copy of the letter and the copy of the certified ticket is attached ). This is what I wrote I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section XXXX of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports XXXX XXXX Code XXXX In general. Subject to subsection ( XXXX ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under XXXX XXXX Code XXXX, Paragraph ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) 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- ( i ) promptly delete The following inquiries are unauthorized
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received correspondence from XXXX XXXX XXXX servicing that my Department of Education Loan ( account ending in XXXX ) was subject to Cares Act forbearance during which I would not need to make payments and no late reporting would be made to Credit Bureaus ( see Cares Act notice ). 

On XX/XX/XXXX, I paid off my Department Of Education loan in full ( see Paid in Full letter ). 

According to my Payment History with XXXX ( see Payment History ), the forbearance period for my loan ended in XX/XX/XXXX. Subsequently, late payments and delinquencies were reported to credit bureaus when loan payments were not made between XX/XX/XXXX and XX/XX/XXXX ; the account was marked 90 days late ( see Equifax XXXX, XXXX account summary ). 

XXXX never notified me that my loan was no longer in forbearance prior to XX/XX/XXXX after receiving he Cares Act Notice. The Cares Act Notice clearly states advanced notice was to be provided prior to forbearance period ending. I never received such communication from XXXX ( see XXXX Inbox ). 

My XXXX student loan was improperly reported late to credit bureaus and XXXX and Credit Bureaus have not fixed the problem despite repeated disputes and correspondence.
Product: Credit card or prepaid card

Ive included in past statements, however it renders mentioning again that my license and SS card were in my wallet when it was stolen. This was documented in the original police report I filed shortly after my wallet went missing. It explains why my address may be on some, if not all the purchases. I was also made aware of fraudulent credit card applications being made in my name with my SS number. I completely understand needing to investigate, thoroughly, because thats exactly what I have done on my end. However, it does not appear that Discover has properly investigated. These charges NEVER should have been approved with as much incorrect spelling and the inconsistent email addresses and phone numbers used. It should have been a red flag for Discover, yet theyre the ones that permitted over {$1700.00} in fraudulent transactions. I never received any requests to approve or deny these transactions. I notified Discover that my card was missing when I filed the police report and from there responsibility and negligence fall on Discover, NOT ME!
Product: Credit card or prepaid card

I have a debit card with Coinbase that issues rewards for purchases. I have not received any rewards since XX/XX/XXXX, but have any transactions go through successfully and my account state that rewards have been issues. However, I have not been credited those funds. 

I have called the support team several times and they refuse to help. Instead the tell you to call a number ( XXXX ) and press option 5 which give a short message and then hangs up on you. They refuse to help.
Product: Credit reporting

I reported XXXX accounts that are showing up on my credit report with Experian. Both accounts were investigate by Experian with a final notice posted on my credit report for XXXX public records as : This item remained unchanged from our processing of your dispute in XXXX 2017. 

I would like to know the method of validation Experian is using for these XXXX public records, including the name of the company and person they are confirming this information with. They are not taking the necessary lengths to verify inaccurate information on my credit report and it is causing me financial harm.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, my renewed drivers license was stolen from the mailbox. I immediately went to Experian, XXXX and XXXX to freeze my credit profile. While the fraud team was still able to only use last XXXX digits of SSN and zip code to create an account on Experian and unfroze my credit profile. Then, they applied for roughly XXXX credit cards and personal loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to place a Credit Freeze with TransUnion this evening. I followed the process and supplied all of my personal and private information including my credit card information for the {$10.00} fee and was charged for absolutely NO SERVICE by TransUnion. 

Should n't XXXX be paying this fee as they are responsible for the breach and should n't this service be XXXX as half of the tax-paying citizens private credit files of the XXXX were breached? I also thought this service was free to victims of identity theft? 

After submitting all of my information, and after being charged {$10.00}, I was informed that my request could not be processed and that I would need to call in " during business hours ''. Should my {$10.00} have been refunded immediately if said service could not be provided? Should I pay at all due to my credit file being exposed? 

This breach is an insult to the hard working citizens of the XXXX and a profit center for the other XXXX credit reporting companies. There should be absolutely no charge to place a freeze of all three credit files instantaneously due to this breach with XXXX picking up the entire tab ( namely their XXXX executives who excersized sizable stock options knowingly XXXX. 

My hope is that the XXXX takes a strong punitive stance on this issue.
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. 

XXXX XXXX Account Number XXXX, XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX has violated my rights.

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: Debt collection

This company keeps contacting me about XXXX debts apparently that they have an office and have had in their office since XXXX they say. I have not received any written documentation from them to dispute the debt. They keep calling they'll call me XXXX XXXX times a day I have told them not to contact me anymore but they still do I was contacted today XXXX they contacted me on my lunch break XXXX times within XXXX hour they keep telling me they're going to escalate this debt I told them again today XXXX not to contact me anymore and I received a phone call at XXXX from them requesting me to contact their office. The company is structured settlement.
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 https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking 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. 

XX/XX/XXXX
Product: Credit card or prepaid card

On  XXXX / XXXX /  XXXX   @  XXXX  i activated a transfer to  XXXX   XXXX  Ban k in  the amount of {$400.00}. As of the date of this complaint, the funds have not been received. I spent  two h ours on the Phone with  XXXX   XXXX  who would not assist me in researching the wire because I was not a customer of the bank. After speaking, with the  Card Servicer, it was identifi ed by  XXXX  the supervisor  that " Unforutnately it  was a manual wire done online and can not be tracked by the card servicer '' Please help me resolve this and get my money back.      XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was a VICTIM of TransUnion 's inquiry issue. Talked to the representative of TransUnion and they could not help me with these issues. 
Here are the list of the inquiry issue on my credit report : Business Name, Inquiry Date, Business Type XXXX/XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX  XX/XX/XXXXMiscellaneous and public record XXXX XXXX XX/XX/XXXX Finance other than personal Please delete these inquiry issues with TransUnion. 

Thank You