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

XXXX XXXX XXXX XXXX, Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX I have sent several disputes concerning these inquiries on my credit report ; these inquiries are fraudulent and I want them removed. I have made several attempts calling the fraud department at these bureaus and I have expressed that I have unauthorized inquiries on my credit report and that someone was using my Social Security number for personal gain. According to the fair credit reporting act, FCRA, legally, these unverified and unauthorized items must be removed.
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made 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 ( MONTHS REPORTING 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 XXXX, 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
Product: Bank account or service

I did file a complaint in XXXX with your office. It was registered as XXXX number : XXXX. The response from the bank was not satisfactory, but life is too short to fight for one 's right. I paid for the late payment charges on my credit cards due to account closure and took necessary steps to be able to pay future bills. If Chase wanted to close our account, even on erroneous pretext, so be it. There are many other banks in the US and in the world. But after over 40 years of having our account, our mortgage they erased our account history which was now electronic. They stated in their response to you that they were sending the past five years by USPS. Another twist of thr truth. Three months later it has not arrived and USPS tracking says : " Tracking Number : XXXX Not FOUND ''. How do I find the data to file my taxes? 
This is just to set the record straight.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX account XXXX XXXXXXXX XXXX violated my right. 

15 USC 1681 section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 US 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

On XX/XX/XXXX I notified the bank there were charges on my account which were fraudulent in the amount of {$970.00}. They reversed the charges and told me I would have to confirm in writing and they would send me a dispute form. They also said they would change my account number and send me a new card. Before I got the dispute form, on XXXX XX/XX/XXXX they sent me a letter saying " After a thorough investigation we have concluded that the fraudulent items never posted to your account or they were returned in full, which means your account balance is {$0.00} " Despite the above, when I got the first statement for the new card, before I even received the new card, with a new account number, the bank had added the {$970.00} fraudulent charge to the NEW account. I immediately notified them ( XXXX ) I was very upset by their having allowed the same fraudulent charges to be placed on my NEW account, which had allegedly been issued just to avoid this occurrence. I told them to also cancel my account entirely On XX/XX/XXXX they wrote me requesting more information, although they already had told me they concluded an investigation and I was not responsible for the fraudulent charges. The charges again appeared on my XX/XX/XXXX bill. I called XX/XX/XXXX and spoke to XXXX and XXXX, Sr. investigator in the fraud department, who said they will cancel the charge. The XXXX bill showed the charge was canceled on XX/XX/XXXX, placed on the account again on XX/XX/XXXX, and removed again on XX/XX/XXXX. I received no further notices or account statements after XX/XX/XXXX until yesterday I suddenly received a statement showing a charge to my supposedly closed account for {$140.00}. I have not authorized any charges or used my account since I told the bank to close it in XXXX. It is now XX/XX/XXXX. I called the bank and they said the account was closed on XX/XX/XXXX. Nevertheless, they still allowed a new charge!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Checking or savings account

I am trying to link my PNC account to my XXXX XXXX account, but PNC blocks this transaction. Same thing happened when trying to link the PNC account to XXXX. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of XXXX XXXX and I'm requesting to remove these fraudulent items from my credit file resulting from alleged XXXX XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in XXXX XXXX. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

iN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 

XXXX : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX FRADULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than seven years. 1 5 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 have reasonable cause to believe that the information is inaccurate.
Product: Debt collection

An account ; JEFFERSON CAPITAL LL shows up on my credit report as a collections status of {$190.00} opened on XX/XX/year> as the original creditor, though I never contracted with this company nor do they show up on XXXX XXXX XXXX XXXX, however JEFFERSON CAPITAL SYSTEMS LLC XXXX # XXXX does show up. I can only assume that is the correct company and they are not licensed to conduct business ; debt collections in florida where I reside. All though the account was " verified '' via a credit reporting agency dispute, I claim this is an error/ false reporting of a supposed debt.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given a fraudulent or counterfeit check and it got deposited into Wells Fargo and you people absolutely let Wells Fargo destroy me Not only was that a trustee account for my dad everything that came into that account because my father recently passed my money is all over the place I can not get another account and I don't know how I am going to get the government to do something about you I've written all the Senators I've contacted everyone in the government if I didn't know any better I would think you guys are getting paid to ruin people 's life but you won't get back with mine because if it takes every dollar I ever earned I will see you in court and Wells Fargo will not be any more persecuted than you will you XXXX plain and simple you XXXX you need to revamp re-employ and readjust the way you handle people that are frauded because you're not out of a XXXX thing but you ruined my life and through the courts I will get you
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 XXXX Account Name : EDFINANCIAL Account XXXX has violated my rights. Or a 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: Debt collection

They keep harassing me by calling repeatedly and now as of XX/XX/2024 they started calling my work number, at my work time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a lot of letters to the credit bureau, because the errors are affecting my credit score a lot, but they don't respond my letters. Please investigate about my case and remove every error on it. I paid accounts with charge-off, and is still appering on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not reporting payments accurately. The following payments are not on my credit report as paid. XX/XX/XXXX {$10000.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$500.00} My credit reports reflects I am 5 months behind in car payments.
The following payments are listed as late when in fact they were paid before my due date which is the XXXX of every month. XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid XXXX only XXXX is reflected on credit report.
Product: Money transfer, virtual currency, or money service

Different numbers calls me multiple times I 've already told them to get my name out of the list but the calls still do n't stop
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my Credit Report and I noticed a few account that I never done business with on my report from a   XXXX   XXXX   XXXX   #  XXXX   XXXX    XXXX   #  XXXX , There are several reentries on my report. I am requesting a PROOF OF CLAIM or SIGNATURE.. Be advised that your claim is disputed and validation and proof of claim of the disputed  debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601  et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by t he Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and lost personal data, including the names, addresses, and Social Security numbers of about 143 million U.S. customers. Using their provided service at http : //www.equifaxsecurity2017.com/, I checked if I was affected and was informed that I was.
Product: Credit reporting or other personal consumer reports

on XX/XX/year>, I received a notification that my credit was checked by XXXX XXXX and that it was a hard inquiry. I didn't authorize anymore to apply for credit in my name. i called XXXX XXXX  they stated they would not allow anything to be approved in my name without authorizing it with me first. i called Trans union and did a dispute but hey claimed it was verified and did I speak with the bank. i told trans union that by law this is my consumer profile, and they can not have unauthorized/unverified information on my credit report that it needs to be DELETED!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for. I asked him what was the problem with my credit and he showed me my report. There are many derogatory items that do not belong to me. Please delete these items. 

XXXX XXXX  XXXX {$520.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX  XXXX {$240.00}
Product: Credit card

The morning of XX/XX/year> I woke to a withdrawal message from XXXXXXXX XXXX  stating our checking account was at a XXXX balance due to an ACH from Capital One for the exact balance in that account. I immediately verified the information and then checked all Capital One credit accounts to verify it wasnt a payment. After verification, I went to the local XXXX XXXX and began the fraudulent transaction process. As a result, they put a HOLD on the account and I had to open a new checking account. After returning home, I contacted Capital Ones fraud department at XXXX and spoke with a XXXX XXXX identification number XXXX. I explained the situation and he told me to let my bank handle it. I asked him to document the accounts of the situation. 

Prior to this incident, whenever I made a payment, the available credit would be updated immediately. This was not the case on XX/XX/XXXX which I thought was due to the fraud information they had probably received that morning. I was already stressed over the initial fraud incident but more so due to my husbands nonstop travel this year with the XXXX XXXX. This particular day, he was traveling from Delaware to Pennsylvania for another political event and would need a credit card to check in to the next hotel. As a result I contacted Capital One about making a cash payment which could update the account immediately and was instructed to go to my local XXXX and make a payment. I followed the directive and pulled {$1500.00} from savings and made the cash payment at XXXX. The clerk at the store stated they should receive the payment within XXXX minutes. This did not occur. I called Capital One back and was told, the payment would post at midnight and be available by XXXX. I called the next morning when it had not posted and was given a different response. I asked for a supervisor and she told me it could be days. I provided all the information from the cash payment receipt so they could begin the trace, since they did not see any incoming cash payment. Several days later I received documentation from Capital One requesting a copy of the payment information which I immediately returned via USPS. Fast forward to XX/XX/XXXX when a payment of {$2500.00} was made. To date, XX/XX/XXXX, Capital One still has not updated the available credit on this particular credit card. We are being penalized from Capital One ever since the unauthorized ACH withdrawal they processed the beginning of XXXX.
Product: Mortgage

My loan servicer is PHH Mortgage Services. I believe they applied my XXXX payment to someone else 's account. 
On XX/XX/XXXX, I wrote 2 checks for my XXXX payment - one for the standard monthly payment, and another to be applied directly to the principal. They cleared the bank on XX/XX/XXXX. On XX/XX/XXXX, I received a call from PHH requesting payment and saying they had not received the payment I had made. I reviewed the cleared checks and compared them to previous cleared checks that had applied correctly, and found that the account number printed on the backs of the cleared checks for the XXXX payment was different than the account number printed on the backs of cleared checks for previous payments. I sent this information to PHH via an e-mail address they provided ( XXXX  ) on XX/XX/XXXX. 
On XX/XX/XXXX, I called PHH to confirm that the information was received. I spoke to an escalation manager by the name of XXXX, who requested I re-send the information to a different e-mail address ( XXXX ) and told me I could expect a resolution within XXXX business days. 
On XX/XX/XXXX, I received a form letter in the mail from XXXX, acknowledging my correspondence and advising they would respond within 30 days. I also received another call requesting payment. I spoke to a different escalation manager ( whose name I could not clearly understand ) who said XXXX was working on the issue, they could see it was not my error, that they had escalated it to an internal investigation team, and that I would hear back from XXXX that same day. I did not. 
I now find myself unable to make my XXXX payment on time, because my account still shows an outstanding balance for my XXXX payment, and any funds I send will be applied to that first. So my account will be pushed further into arrears due to PHH 's incompetence. 
Attachments : Cleared checks XXXX XXXXXXXX and XXXX, applied correctly for my XXXX payment - note the account number on the back ending in XXXX, which matches the account number in the memo line on the front of the check. Also attached are checks XXXX XXXXXXXX and XXXX, for my XXXX payment, which were applied incorrectly. Note the account number on the back ending in XXXX, which is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXr XXXX, XXXX XXXX  XXXXXXXX XXXX XXXXr 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraud and i am in the process of trying to get my credit back in order. Every year i hav to ofile my taxes with a security code. I have sent a copy of the various items on my report that does not belong to me along with an FTC original letter addressing these items as well to all 3 credit bureaus. TransUnion and XXXX  keeps stating that they have not received it although i have certified proof that the information was indeed signed for by their organization. It has now been well over 30 days as this is my second attempt to get these matters rectified without any success. I am trying to purchase a home and this has hendered me greatly. So fa XXXX has complied and assisted me with my matter. Any assistance with this matter will be appreciated.
Product: Credit reporting or other personal consumer reports

I am writing this request that I want to dispute specific records in my credit file that do not belong to me and it had erroneous information, particularly in regard to a bankruptcy record, Please erase the false information that keeps harming my credit report. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.