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

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXXl 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 ( 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 TRANSUNION 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

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Name : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

XXXX. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within XXXX days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX - XXXX : {$1300.00} - Account # : XXXX XXXX  XXXX XXXX - Balance : {$300.00} - Account # : XXXX  XXXX - Balance : $ - Account # : XXXX XXXX XXXX - XXXX : {$4900.00} - Account # : XXXX XXXX-XXXX  - Balance : {$280.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section XXXX ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Mortgage

Seturus Inc. continues to report negative information to the credit reporting agencies despite the court issued documents that show the debt was paid during the 5 year plan.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries. To whom this may concern, I recently reviewed my credit report and noticed multiple hard inquiries that are unrecognizable to me. I did not secure an account with any of the following companies which is securities fraud and did not authorize my credit to be pulled during the highlighted instances. Please remove the following inquiries IMMEDIATELY in order to restore my credit to a more accurate status. The accounts to be removed are as follows : Experian : XXXX XX/XX/XXXX and all other credit pulls from this company. XXXX XXXX XXXXXXXX XX/XX/XXXX and all other pulls from this company, XXXX XXXX XX/XX/XXXX and all other pulls from this company, XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company, XXXX XXXX XX/XX/XXXX and all other pulls from this company, XXXX XXXX XX/XX/XXXX and all other pulls from this company, XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company.
Product: Credit card

In reference to my response from Citi Bank I was contacted by a rep by the name of XXXX XXXX I spoke to hear about my credit card request she promised me that my credit card application would be reacessed for credit card approval. I then call the reacessement line to get a up date only to find out that a credit card application reacessement was not submitted so she lied to me about submitting a request. this is one of the problems of the big banks no respect a bad customer service that lies to customers I am requesting that this be looked into because this only proves my point that these big banks do discrimmate againist minoritys I do n't understand why I was lied to about my credit card reacessement which was never submitted.
Product: Credit reporting or other personal consumer reports

I am disputing incorrect information being reported on my credit report by Capital One regarding a credit card account that I previously held. 

- **Account Number : ** XXXX - **Account Status : ** Closed - **Payment Status : ** Charge-off - **Balance Owed : ** {$960.00} - **Credit Limit : ** {$1100.00} - **Account Type : ** Revolving - **Account Rating : ** Closed - **Date Opened : ** XX/XX/XXXX - **Date Reported : ** XX/XX/XXXX - **Date of Last Activity : ** XX/XX/XXXX - **Last Verified Date : ** XX/XX/XXXX - **Closed Date : ** XX/XX/XXXX **What happened : ** I had a credit card with Capital One, and I have never missed a payment on this account. Despite this, my credit report incorrectly shows a balance of {$960.00} listed as a charge-off. I have contacted Capital One multiple times to request that they update my credit report to reflect " paid as agreed and never late. '' However, I keep getting the runaround, with representatives promising to make the updates, but no action has been taken. 

**Action Requested : ** I am requesting that Capital One update my account to accurately reflect that the account was paid as agreed, with no late payments or charge-offs, and remove the negative and false information currently being reported.
Product: Credit card or prepaid card

Due to the corona virus and stay at home order XX/XX/XXXX in california i tried to call my credit cards company Citi card services i have 2 credit cards with the company and i did get through to one card by phone and they said they would put card payment on hold for 3 months XXXX and XXXX XXXX. But its not showing on my account it shows only my due past amount $ i dont want them to report bad credit past due. Now when i call im on hold forever no anwer on my second card i requested in XX/XX/XXXX online after i was onhold for more than an hour on phone no answer so i made my request to put my second card payment on hold due to covid 19 but now there is late fee and they are unwilling to remove it. Please help me with my isssues on both cards with citi cards.
Product: Checking or savings account

On XX/XX/year>, I deposited {$5000.00} into my Bank of America account using an ATM. Unfortunately, there was a technical error with the ATM machine, and the transaction appeared to be unsuccessful. I immediately went inside the bank branch and was advised to contact the number listed on the ATM. I followed their instructions and was assured that my funds would be credited to my account. 

However, despite numerous attempts to resolve this issue, I have still not received the deposited funds. It has now been over a month and a half since the incident occurred, and I am at a loss as to why this matter has not been resolved
Product: Credit card or prepaid card

Amex cancelled my credit card and closed my account. 

When I called them to confirm, they were very dismissive about it and kept disconnecting my call They said I was the one who called and cancelled the account and credit card where as in reality, I never called them..

I asked Amex for justification and what verification was done for whoever called and cancelled mt card but they said that they did no such verification and just cancelled my account as per their convenience..

I asked to Talk to their fraud investigation and identity theft department. But they were adamant that they did nothing wrong and I was the one who cancelled the account I told them to hear the recording of the call assuming they record all calls they said they didnt have time to check and again cut the call
Product: Debt collection

I keep getting calls on my cell phone while I 'm at work from Synchrony Bank in regards to my Walmart credit card account. I XXXX 6 days/week and I 've told them to stop calling me while I 'm at work. I told them when the best time to call me, but they still keep calling and I have no time for this while XXXX. I told them that if they kept it up I was going to file a complaint. I know this is a violation of my rights and they should be told to stop.
Product: Debt collection

I have sent plenty of letters asking this debt collection agency to verify my debt they will not respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account listed on my Experian credit report is fraudulent and I never applied for the account : XXXX XXXX XXXX XXXX XXXX, {$170.00}. The following credit inquiries listed on my credit report is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX, XXXX, XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to temporarily unfreeze my credit in order to refinance my mortgage. I had no problem doing so with XXXX  and XXXX  using my login and password and pin information for each. 
However, Experian insists that I send them a letter via USPS with all types of identification information, despite the fact that I have my Pin. All of the information provided by Experian on-line claims that if you have your pin, you can easily unfreeze your credit, but both on-line and over the phone ( using their automated system ) I was denied this ability. In both cases, I was required to provide date of birth, social security information and address, in addition to my pin, but was still denied and told to provide the same comprehensive list of documents by USPS. This is ludicrous. Also, there is no way to reach a real person at Experian. So I have exhausted all of my resources and have nowhere else to turn. 
I am at their mercy, through no fault of my own. If I could " fire '' them, I would and just stay with the other 2 companies, but I have no choice in the matter and no recourse. 
The date of these transactions is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to resolve this issue with Transunion and this is my last attempt before filing a small claims lawsuit versus Transunion for their knowingly and willingly violation of the FCRA. I recently viewed my Transunion credit report and notice numerous hard hit inquiries done on my credit report without authorization & fraud. Before this incident I had 0 Hard Hit inquiries on my Transunion Credit Report. XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXXXXXX XXXX XXXX   Inquiry from XX/XX/2020 XXXX XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX   Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020. 

The same hard hit inquiries were placed on my XXXX  & XXXX  credit report and both have addressed and deleted the hard hit inquiries. Yesterday I received a letter from XXXX  confirming their timely action & deletion of the same disputed hard hit inquiries. In regards to XXXX  they did the same but I have yet received a letter from them but I have an account with XXXX  that I can view my credit report at anytime and I was able to confirm that the inquiries were permanently removed as well. I will supply in this complaint the letter I received from XXXX.
Product: Debt collection

About XXXX months ago, I received a call from someone claiming to work at a law office. He left a threatening message saying he was about to take me to court and put a lien on my home due to back owed debt. He said he may also reach out to my employer to garnish wages. He said I owed money to a XXXX XXXX XXXX and there was an amount outstanding with interest. I had a credit card nearly XXXX  years ago with that name but as far as I remember it was paid off and the account was closed nearly XXXX  years ago. I checked my credit report and I have XXXX items in collections and no issues on my credit report. I told him to send me a statement with the information. It was never sent to me. 

Today my mother received a threatening message from someone named XXXX XXXX. Here 's the transcription " This is urgent message intended for ( MY NAME ) also known as ( MY Maiden NAME ) my name is XXXX XXXX XXXX XXXX XXXX our office has been retained regarding a pending summons and background investigation being ordered against ( MY NAME ) if no contact is establish with the issuing firm today our field agents will be dispatched to a property address and or any verified place of employment on record it is imperative that ( MY NAME ) _____________ firm today at XXXX and references for case number XXXX a failure to respond to result in an order of noncompliance and a failed ______ to ___________ phone number XXXX case number ( CASE NUMBER ) I called the phone number and it sounded exactly like the same people who were trying to contact me before. The name of the firm was called XXXX XXXX and XXXX ( this is an approximate spelling as it was said over the phone. ) I asked her for the full name of the firm and in which state the firm was practicing. The woman on the other end of the call was very irritated and said she practices in XXXX and stated the law firm 's name slowly and became aggressive. She asked me for my case number over and over again and I hung up. I believe these are the same people who did not send a statement of what was owed and because I have nothing in collections, I felt it was a scam and anything I said was going to be used against me.
Product: Credit card or prepaid card

On XX/XX/XXXX of, 2023, I received several unauthorized transactions that were flagged by Citi on my credit card, including a {$300.00} charge from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon reporting these fraudulent charges, Citi promptly reversed all of them, leading me to believe that the issue had been successfully resolved. 

However, to my astonishment and disappointment, on XX/XX/2023, Citi placed a letter requiring action on my behalf in the letter/notification section of my Citi app XXXX Given the importance of this letter, it was never been mailed to me or accompanied by an email notification as is usually the case. Regrettably, I only became aware of this correspondence on XX/XX/XXXX in which I immediately returned the requested documentation attesting I did not make the charge. The content of the letter revealed that not only had Citi failed to honor the reversal of the {$300.00} charge, but they also tripled the amount, falsely attributing a {$300.00} charge to my name and increasing the total to {$900.00}. This fabricated claim by the vendor, who possesses my husband 's name and address but used a fake email address, is deeply troubling. I am gravely concerned about the security of our personal information, as it seems the vendor could easily track down the individual responsible for the purchase made with the gift card purchase. Neither I nor any authorized user of the credit card has ever made a purchase from this particular vendor. A quick XXXX search of this vendor does not produce a business or company with this name - further supporting this is fraud. The website the vendor provided does not exist either. 

My bill is due today, and I paid the amount in full minus the {$900.00}. While I have contacted the fraud line on XXXX separate occasions and have been reassured that the charge would be reversed, no action has been taken thus far. I want to emphasize that I can not and should not be held accountable for the {$900.00} or the associated late or interest charges resulting from this fraudulent activity. 

Thank you for your attention to this serious matter.
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 TransUnion 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 TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and my SSN Card. 


I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am a victim of identity theft and fraudulent accounts and inquiries are listed on my XXXX and XXXX credit report I pulled on XXXX. Below are the fraudulent accounts and inquiries in full detail, Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX, Incorrect Address : XXXX XXXX, XXXX, TN XXXX. XXXX. XXXX XXXX XXXXXXXX {$15000.00} ( XXXX XXXX ) XXXX. XXXX XXXX XXXX {$25000.00} ( XXXX XXXX ) XXXX. XXXX and XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. Bank XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXXXXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX {$22000.00} XXXX ( XXXX XXXX ). I certified mailed a FTC Report listing this fraudulent items but the credit bureaus XXXX and Experian has yet to remove these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed above do not reflect any correct transactions done by me. 



My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Product: Debt collection

In re XXXX XXXX  and Hunter Warfield Revenue Recovery Services I had a scheduled check out date at the apartment. The checkout day was during a weekend and/or holiday, so I turned in the unit key to the on-site security/property office. At the time of turn-in, I asked the team whether they a document to sign, or other process form and receipt to show that I have turned in the key ; the person at the time responded they do not. 
XXXX XXXX and Hunter now claim that I stayed in the unit 2 weeks after the checkout date. Since the question turns on what day the actual check out was made, I have repeatedly asked XXXX XXXX  and Hunter to provide documentation satisfying their claim of my alleged check out date. They have repeatedly failed to provide this, nor can they provide any sort of documentation in a log, or document with my signature, of either checkout dates in question.