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

My account with XXXXXXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 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: Payday loan, title loan, personal loan, or advance loan

i told you guys to stop calling me because im in a judgement and cant pay anything to you guys without being homeless and you guys said you would thru my message thru cfpb but the next until today you guys have still been calling me seems like my rights are being broken so im going send all correspondence to attorney general XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I am writing in regards to my loan with Check N Go, I took out the loan aid with the assistance of a vehicle that I intended payback. However, I was terminated from my employment along with other debts, the loss of my parents, amongst other expenses and financial losses and I explained that I DO NOT HAVE ANY MONEY AT ALL, NOT EVEN {$1.00}, this loan is WAY PAST DELAWARE STATUE OF LIMITATIONS, I HAVE BEEN homeless for almost XXXX years without any income, no support from anyone else as I have been disowned and cut off from everyone in my life due to my personal lifestyle and financial burden/failures. I ALSO EXPLAINED THAT things are NOT better and I DO NOT HAVE MONEY NOR UNEMPLOYMENT BENEFITS!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( XXXX  ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by XXXX XXXX XXXX ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

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

I have received the results from previous complaint XXXX from TransUnion. In which it seems as though they are in direct violation of FCRA 623 ( a ) ( 3 ) -Responsibilities of the furnishers of the information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( 1 ) The notice required under subparagraph ( A ) shall be provided to the consumer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). <P/>I have also not been forwarded any validation of this debt from the creditor to date. Which I have been disputing for over 8 months. <P/>I am in awe that I have disputed this with your establishment and have not received the adequate justice according to the law. <P/>I have retained a complete dossier on this creditor and complaint. I will next be notifying the Consumer Affairs Division in XXXX, MD should I not receive positive results from this second complaint. I have forwarded to you what I believe is substantial evidence that disputes were made and the appropriate remedies were not performed. <P/>I will again be forwarding to you the same documents and a NEW updated TransUnion credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XX/XX/XXXXdays since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am submitting to respectfully follow up on the CFPB complaint I recently filed concerning inaccuracies persisting on my credit reports dated XX/XX/XXXX. Enclosed, please find the requisite FTC Report with reference numbers # XXXX & # XXXX, accompanied by pertinent personal documents. The fraudulent entries persisting on my credit reports, outlined by bureau, are as follows : -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been trying to communicate with Trans Union for years on the same issue. They refuse to delete accounts reporting inaccurately on my credit report. They send me letters stating that the accounts have been verified, but refuse to show me proof that these accounts have been validated or verified to be mine. 

In accordance with the Fair Credit Reporting Act XXXX  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 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 consent.
Product: Credit reporting or other personal consumer reports

I am disputing the following accounts because they do not belong to me and appear to be the result of identity theft. I did not open, authorize, or use these accounts, nor did I receive any goods or services associated with them. Despite my efforts to address this with the companies involved, the accounts remain on my credit report. 

XXXX XXXX ( XXXX XXXX ) : XXXX XXXX is reporting a collection for services with XXXX that I did not authorize. I never opened an account with XXXX, nor did I receive any notice or bill. 

XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This account does not belong to me. I never initiated utility services with XXXX XXXX or any related provider. I believe my personal information was used without my consent to create this account. 

XXXX XXXX XXXX XXXX XXXX XXXX ) : This debt is incorrectly attributed to me. I never signed up for any services with XXXX XXXX. Attempts to contact XXXX XXXX XXXX for clarification have not been successful. 

XXXX XXXX : A vehicle loan account is listed under my name, but I did not apply for or finance a vehicle through XXXX XXXX. This fraudulent account is impacting my credit, and I am requesting its immediate removal. 

XXXX : I do not have, nor did I ever open, a XXXX credit card account. This account appears to be fraudulent. 

Navy Federal Credit Union : Navy Federal is reporting an account that I did not open. I have never had any financial relationship with Navy Federal, and I suspect identity theft in this case. 

XXXX XXXX XXXX XXXX XXXX XXXXs listing a credit account with late payments under my name. I did not apply for any accounts with XXXX XXXX, and I believe this is the result of identity theft. 

In addition I have never lived at this address XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Actions Taken : I placed a fraud alert on my credit reports. 
I filed a police report for identity theft. 
I submitted a dispute with the credit reporting agencies and contacted the companies involved, requesting the removal of these accounts. 
Despite my efforts, these accounts remain on my report and continue to harm my credit score.

I am seeking the Consumer Financial Protection Bureaus assistance in ensuring these fraudulent accounts are removed from my credit reports. I also request that these companies investigate and provide a response regarding the fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

( I HAVE NOT BE ABLE TO OBTAIN A VALID CREDIT SCORE IN OVER 60 DAYS FROM YOUR COMPANY or any other bureau AND I PAY A MONTHLY MEMBERSHIP WITH YOUR COMPANY to have access to all of my credit scores )
Product: Credit reporting

After sending two letters opening investigations to the credit bureaus for XXXX reporting a charge off and open balance to a debt that they XXXX me for in 2014, I am escalating this issue to be rectified by CFPB holding XXXX and the credit bureaus accountable for their actions. They are illegally hurting my financial well being by still reporting an open balance which is affecting any ability to acquire financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my EQUIFAX credit report, there is a hard credit pull from XXXX on XX/XX/XXXX & XX/XX/XXXX. I don't recognize the name nor authorizing anyone to do a hard pull on my credit. Please help me remove it.
Product: Debt collection

XXXX XXXX XXXX, XXXX has refused to settled my debt. I paid my debt off on XX/XX/XXXX. I was served paper work for small claims court on XX/XX/XXXX. I called XXXX XXXX XXXX immediately on XX/XX/XXXX after receiving the papers. They assured me that the debt was paid in full and that they would notify the legal department and that they would send me a letter of pay off. XXXX XXXX XXXX told me to attend the court date and show the letter of payoff. I attended court to find out that the attorneys paperwork showed I still owed a balance. Another court date was given to me to be at for the same matter. The attorney directed me to call XXXX ( XXXX XXXX XXXX ) to take care of the matter. I got the run around again. 


XXXX XXXX XXXX XXXX has repeatedly refused to mark the debt as paid for the courts. Court documents reveal that XXXX, XXXX has had the payment information on the pay off since XX/XX/XXXX. Repeated calls to mark the debt as settled have been ignored. 

XXXX XXXX XXXX XXXX has needlessly damaged my credit, willfully ignored our requests and demanded payment AFTER the payoff. XXXX XXXX has harassed and refused to work with us. On the phone they say they will assist us, but there is never any follow up. The attorney for XXXX XXXX at the hearing showed a balance on the account. This PROVES that XXXX XXXX did not follow through. 

Our credit has been damaged by XXXX XXXX and we need to be made whole while alerting honest citizens to their dishonest and ugly collection tactics.
Product: Bank account or service

My checking account was overdrafted on XX/XX/XXXX for a small amount ( $ XXXX- {$15.00} ). On XXXX of XX/XX/XXXX I had a deposit made that more than covered the deficiency. Chase proceeded to charge an overdraft fee of {$34.00} for the small ticket item, and refused to reimburse me. 

This is usurious, first off - {$34.00} ticket for a $ XXXX- {$15.00} deficiency that extended for less than a full business day??
Product: Checking or savings account

Upon receiving an unsolicited email message from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I set the attached request to XXXX XXXX  to opt out my account from sharing my information with the company 's affiliates and third parties as well as from marketing communications. 

XXXX XXXXXXXX XXXX initial response had incorrect instructions and to my subsequent messages requesting to op out my account and indicating that the instructions provided to me were inaccurate I received no response in more than two weeks.
Product: Checking or savings account

I came into the branch on Friday the XXXX right before XXXX XXXX to make a deposit that was done properly handled at the branch to which I had to come back in on XXXX  the XXXX to handle the missed proper deposit that was done to also be given a bald-faced lie that was told to me saying that they do not accept third-party checks when I was already told that they did all that was needed was for the other individual to sign it over or endorse it in front of the manager of the bank in order for me to make the deposits once I inform them of that then they went to look for the initial check that was given that XXXX  on the XXXX so they can reprocess it on XXXX  the XXXX which the funds should have been available on that XXXX  through the XXXX which I was told that the funds wouldn't be available till the XXXX to finally be told that my account was frozen and that I had to wait for a call to be given to me by one of the managers or be back office in regards to my account due to the deposit that I made at the branch cuz of it being so high in value and the account being brand new.
Product: Debt collection

I am writting to report multiple violations to my rights as a consumer. The account information : The Bureaus INC : XXXX, original balance {$9800.00}. 

The Bureaus Inc has committed multiple violations : 1. Re-aging account : Account has been re-aged for sure, went to collection in XXXX and. showing fall off year of XXXX, meaning 7 year started from when the item was given to collection and not original charge-off date Unfair business practices. 
2. Incorrect last activity date.

3. Incorrect last payment date.

4. Breach of contract 5. Negligence I am demanding a deletion letter, this item must be removed from my report. 

This situation is overwhelming for me. I cant wait too long to get this matter solved. Please send me a response asap. 

CFPB : Please send the attached documents to the company. 

Thank you very much.
Product: Mortgage

XXXX, XXXX and XXXX will not update my VA Loan with Wells Fargo. They have no data and has caused a XXXX to XXXX point loss in my credit score.
Product: Credit card

I've always made sure payments on this account are timely, never letting them become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Product: Debt collection

On Wednesday, XX/XX/2024 I spoke with XXXX XXXX to resolve my payment with apartment complex XXXX XXXX XXXX in the settlement amount of {$710.00}, which I paid on this day. On the National Credit Systems website and verbally told by him stated that I would receive my letter of full payment with XXXX hours or less. Still to this date, XX/XX/2024, I have not received the letter or is it uploaded on the website. I have been calling and been in contact with him since XX/XX/XXXX about this. 

Each time I am told that the amount has been posted, the account has been closed and I should receive the letter within an hour or XXXX. Today, XX/XX/2024 my phone call has been ignored from my cell number until I called from a different number he picked up. I was told again that my payment has been posted and I should receive my letter within an hour or XXXX. That was around XXXXXXXX XXXX still nothing has been uploaded or have I received a call back from him. Due to me not having this letter I am not without a place to live & that is all I need to get an apartment. 

This has cause mental and financial strain on me. Per the company website I should have had my letter of payment with XXXX of my payment. It has now been 5 days and still nothing. I am constantly being told the same line every time I call if they answer my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX failure to MOV. Failure to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had tow late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibillity to report consumer information to the best of their abillity whit maximun accuracy. I have never been late on payments fot the account : XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be uptated to on time as they should be as I was never late.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making XXXX XXXX XXXXXXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Debt collection

XXXX XXXX XXXX on behalf of Wells Fargo Merchant Services made numerous attempts to collect a debt over the course of 4 months. I filed for chapter XXXX bankruptcy protection on XXXX/XXXX/XXXX and had my hearing scheduled for XXXX/XXXX/XXXX. My FINAL Decree was issued on XXXX/XXXX/XXXX. It is my understanding that the initial filing of the petition is meant to stop the debt collection process. Despite me filing on XXXX/XXXX/XXXX, XXXX XXXX XXXX still sent the attached collection letter dated XXXX/XXXX/XXXX trying to collect this debt.
Product: Debt collection

a few years ago i have XXXX mobile phone service after few months i transfer my service too XXXX i talk with sprint on that time and they send me return kit for phone the phone i got from XXXX and after that i send that phone back to XXXX i also send them prepaid XXXX card that i got from XXXX because XXXX want me too pay my bill too XXXX. now i got this bill from XXXX and i do not owe this money i talk with them and they said u have too pay otherwise this money goona stay on your credit report and they already did that please help me thanks
Product: Mortgage

On XX/XX/XXXX, I made an application for a mortgage with Navy Federal Credit Union and paid {$18.00} for a credit report inside the Navy Federal branch XXXX Florida. I received an email which assigned XXXX XXXX as my loan officer and uploaded my documents. I waited a few days before I reached out to her despite the email saying that she would contact me. On Friday XX/XX/XXXX> I briefly spoke with XXXX XXXX who stated she couldn't get me the original loan request but if I could accept a lower loan amount she would send the loan application to the underwriters. I waited a few more days and emailed her on XX/XX/XXXX at which time XXXX XXXX responded that my loan application was denied and that I would recieve a letter in the mail. Ive been waiting on the this letter since but have not recieved one. I called the customer service phone number for Navy Federal on XX/XX/XXXX to inquire about the denial letter, I was told that XXXX XXXX would email the letter by XX/XX/XXXX as the Mortgage person could not see what the reason was. I have not received an email or letter yet regarding the denial.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

I sold my car in the California Cash for clunkers program last year. This year I received an erroneous collection agency ( Ascension Recovery Management, LLC ) charge for a payment of {$1400.00} dated XX/XX/2021 related to some tow yard issue with the car after my sale to California. They have been unwilling to provide support for why this charge was levied to me or how they got the car or how to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.