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 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.

ALLY FINANCIAL 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

Compensation of XXXX. Violation of Privacy and Reporting transaction history on credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing late payments reported for XXXX XXXX account on 3 credit reports. All 3 credit reports should reflect On Time payments from XX/XX/XXXX until XXXX. 

XXXX XXXX reported late payments on XXXX XXXX XXXX XXXX account on all 3 credit reports as a retaliation measure because I filed a CFPB complaint against the firm prior to car payoff. 
See attached CFPB Complaint Response from XXXX XXXX. 
Attached Cashier Check for car payoff was cashed by XXXX XXXX. As written on Cashier Check for car payoff XXXX XXXX  was ONLY to cash the check if ALL payment history from XX/XX/XXXX until XXXX reflected on time payments. 
XXXX XXXX  cashed this check therefore ALL payment history from XX/XX/XXXX until XXXX should show ON TIME payments ( not late payments ). 
Payment history should show on time payments or an X for unknown payment history. 
Account was on auto pay from XX/XX/XXXX until XXXX. 
Account was protected by applicable XXXX Covid laws in XXXX and XXXX. 
XXXX XXXX was contacted in writing and via telephone to correct the payment history to show ON TIME PAYMENTS but the firm refuses to make this correction.
Product: Credit card

Chase Credit offered me a XXXX percent interest rate and XXXX cash back on all purchases but changed the terms without my consent and approved me for a card I did not want, I applied for a chase sapphire card but was given a Chase Freedom Card i called on XXXX several times but they refused to discuss the terms so I need someone to help get this resolved i have been deceived.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request a credit freeze/block/pin for XXXX, XXXX, XXXX and Lexis Nexis
Product: Debt collection

Midland Funding removed funds from my account for a debt that does n't belong to me. I recently sent a letter stating that the money that was removed from my account belongs to my elderly father who is XXXX all the money came from is social security check to be used for is living expenses and is final burial expenses. I also explain to Midland that I am the sole caregiver for my father and all the monies removed belongs to him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my free annual credit report and noticed some accounts that were not mine. I sent a dispute letter to equifax via fax they received my transmission on tuesday XX/XX/2019 at XXXX XXXX ( i included the fax success transmission as proof they received my dispute letter ). I never got my results of the dispute in the 30 days or their process they are violating the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Since these items were not verified at all and they didnt complete their investigation and send me the results i ask these items be removed from my credit report immediately i will pursue litigation.
Product: Credit card or prepaid card

This started with the XX/XX/2022 statement when I noticed unauthorized transactions from getting a new card the card being expressed to the person, which I don't know. I contact the credit card company and thought everything was solved and told new card with new number would be mailed in to to 15 days not received as of yet. 

Call the credit card company today and was told the account was closed and a new card WOULD NOT be issued. 

I have talked to both their customer service and also their fraud department to settle this several times and get a different answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to Transunion about my unauthorized inquiries. I also submitted a complaint with you guys last month on XX/XX/2021, but there was no response.
Product: Checking or savings account

I contacted Wells fargo bank regarding my money and they refused to assist me even tho I informed them that I didnt authorize some of the transactions. 
I have used a platform and it was meant to be a savings account platform that would earn me interest of 15 % yearly. 
XXXX disabled all withdrawals last month and refused to give me my money. 
I have originally deposited {$8000.00} which I authorized and they took automatically {$9000.00} from my account which made it total of {$17000.00}. 
Now I cant get get help neither from wells fargo nor XXXX. 
XXXX blocked me from XXXX when I tried contacting them. And they dont answer when I send them emails. 
Wells fargo is not willing to protect me and give me my money back. 
My life is destroyed, I even thought about ending my life because losing {$17000.00} isnt easy. 
I lost all savings and student loans I had and I am not sure what I am supposed to do. 
XXXX is stating that they are going to discontinue their service by the end of this month Soon Id be XXXX
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. The family and Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility of protecting my information. Given severity of the breach and the resulting compromise of my information, I request that you immediately cancel my XXXX  loan debt in full and update my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Ch  XXXX  bankruptcy discharge on  XX/XX/15   .  Continental Finance c redit card was included in the discharge. They continue to misrepresent my old account on my credit report. Initially it stated closed and charged off. Now it says it 's open with 107 % credit usage. It impacts m y credit score monthly. I 've contacted them and spoken to a representative twice over the past two months. They co ntinue to tell me that the account shows as closed and noted my bankruptcy discharge. Monthly, my reports ( all  XXXX  bureaus  )  states differently. I 've also disputed through the credit bureaus and  XXXX  -Continental Finance sen ds them false bank account information.
Product: Debt collection

On XX/XX/2024 I received a credit alert from XXXX saying that I owed a debt to Credence over an XXXX XXXX XXXX debt for {$150.00}. I never received a letter stating that I owed money & theres no wet signature contract verifying that the debt is in fact mines. I need this debt removed from my credit report since I never received anything in the mail on it & because theyre unable to provide a signed contract to validate the debt.
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Inquiries and Demand for No Requirement of FTC or Police Report Dear Experian I am writing to formally dispute unauthorized inquiries that appear on my credit report, as well as to assert my rights concerning the documentation you may request from me in relation to this dispute. 
Upon reviewing my credit report, I have identified the following unauthorized inquiries : Company name Date of inquiry XXXX XXXX XXXX XX/XX/year> and XXXX  XXXX XXXX XXXX XX/XX/year> I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a hard inquiry from XXXX XXXX And from rate genius on credit report I don't apply for nothing
Product: Debt collection

When researching the collection agency, Rent Recovery Solutions, who put incorrect information on my credit report, I discovered that this company is not authorized to do business in the state of Texas. I live in Texas and was under the impression that a collection company has to have a valid license to do business in this state. Please contact Rent Recovery Solutions and instruct them remove this debt from my credit reports. 

RE : RENT RECOVERY SOLUTIONS LLC - XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Thank you. 

XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting

I went to TransUnion to get a free credit score check. This is the first check in many years and it therefore should have been free. The Transunion website forced me to enter a credit card # to continue. I entered the credit card information but never agreed to any charges to the card. I later checked my email and I was signed up for credit monitoring with a XXXX charge. I never agreed to have any expense placed onto my credit card. The website never indicated that I was going to be charged for anything. I believe this is a deceptive business practice from Transunion. I have disputed the claim with Transunion and disputed the claim with the credit card company. Even though Transunion eventually relented, this is clearly a deceptive business practice. People go to the 3 main companies to get a free credit report and Transunion intentionally directs this traffic to enter a credit card number to deceptively charge without a clear signup communication. What a scam!
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 XXXX  HAS INQUIRES ON MY CREDIT REPORT THAT ARE : MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THESE INQUIRES. I HAVE SUBMITTED A POLICE REPORT SEVERAL TIMES AND XXXX  HAS NOT OR REFUSED TO DELETE AND REMOVE THESE INQUIRES FROM MY CREDIT REPORT. I WAS NOT NOTIFIED THESE INQUIRES WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 
INQUIRES NOT MINE : XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX  XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX XXXX Inquiry fromXX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XXXX XXXX,XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX from XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to resolve my credit concerns since XX/XX/2019 and it is now XX/XX/2019. The car was repossessed, but redeemed in XX/XX/2019, and I continue to pay the regular car payment of {$430.00}, plus {$140.00} per month in order to repay the past due amount on the XXXX  of every month since I redeemed the car. The account continues to report as closed and in repossession, with no payment history of funds received being reported to all three major credit reporting agencies.

I have a loan for a XXXX  XXXX  XXXX  with this company, and they are reporting to my credit report incorrectly. I have attempted multiple calls to this company and was outright lied to by two of their agents just to get me off of their line. They stated their credit team handles these requests and they would transfer me to their voicemail for a return call, but each time they transferred me, I was not able to leave a voicemail, the recording just continued to loop. TWICE THEY DID THIS! The third agent I spoke with actually held the line and let me leave a voicemail to their credit reporting team, but little good it did as I did not get a return call. She also gave me a confirmation number that she stated was from XX/XX/2019 where they submitted an electronic update to the credit reporting agencies, which I later learned from another agent, was just an internal number they used for their cases, not an AUD to the credit reporting agencies. I was advised that they sent me credit reporting documents in the mail, I HAVE NOT RECEIVED THEM! I called back the following week and was told by a 4th agent that their credit reporting team does not even call customers, and she was not sure why they told me that, well I know why, it is because I was demanding they do their job and FIX MY CREDIT! They have made several violations under FCRA regarding the reporting of inaccurate information to my credit profile! It should not be so hard for a DEBT COLLECTION COMPANY to follow the FEDERAL LAWS established for instances such as these. It is not a closed account, nor is it in repossession, because I DRIVE IT DAILY! If it is closed, and repossessed, then why am I paying them????? It took them one week to report it as repossessed, and if I miss a payment, they call relentlessly bordering on harassment, so why do I have to harass them to just do the RIGHT THING!?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a couple bills in the ail stating, that I need to make a payment for a loan. I don't owe a loan, I don't have any loan under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two bankruptcies and a couple of inquiries. A couple of other fraudulent accounts that are not mine. I have never seen these items in my life. PLEASE REMOVE THESE ITEMS from my report thank you CHAPTERXXXXXXXXBANKRUPTCYDISCHARGEDXXXX   CHAPTERXXXXXXXXBANKRUPTCYDISMISSEDXXXX
Product: Student loan

My student loans have been sold more than once. XXXX XXXX XXXX XXXX is a collection agency for American student assistance. They have me owing XXXX. I did not borrow that much money. They have the principal at XXXX did not borrow that much. They have the interest as XXXX. Collection cost XXXX. I do not have a problem paying back what I borrowed but these fees are outrageous. I recently made arrangement to pay XXXX $ a month but I have had some changes in my income. I have tried repeatedly to contact them and never get an answer, just a voice mail I leave my name and number and why I ', calling and if they do call me back they never leave me a message. I received a letter XX/XX/2021 about the matter and said for me to call. I did and got the same no answer. I'm afraid they are going to Garnish my pay and I can't afford that.
Product: Credit reporting or other personal consumer reports

Points taken off without my consent or knowing why from XXXX to XXXX suddenly, XX/XX/XXXX / 2025 seems like they been checking my finances without a consent
Product: Debt collection

This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights, and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete this accounts ASAP.
Product: Debt collection

I am writing this letter to you regarding account number XXXX from XXXX XXXX I do not have any such account with that company and I have tried to dispute it directly with the company, to no avail. 
I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.
Product: Checking or savings account

In XX/XX/2020 I deposited numerous checks totalling XXXX. 
immediately after depositing the checks my account was frozen my debit card was frozen and reported as lost or stolen by the bank themselves because I never called to report that. I've called them numerous times to have my funds released or to mail me back the checks or to do something but they have done nothing and I want my money it's over {$7000.00}. I've been a customer with this bank for over 2 years and I'm just really confused as to why all of a sudden they're harassing me like they are I just want my money I want to close my account and I want my money. And I want this complaint listed as a complaint on their site or wherever you guys do that
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been out of the country do doing mission work. I came back and found out my bank account have been closed from XXXX XXXX   XXXX XXXX  is reporting that I have a loan that I owe on my credit reports. My bank account was compromised why I was overseas I never took out a loan I need a signature showing I took out this loan so I can find out who took out this loan in my name. This is not my loan so therefore this needs to be there late at from my credit reports. I have asked XXXX XXXX  for a signature they told me they could not provide me with one if they can't provide me with a signature I need this removed from my credit reports today
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach. As a result, several unauthorized accounts and inquiries have been placed on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that all accounts and inquiries listed below be blocked and deleted from my credit file. 
The following account has been fraudulently opened in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In XX/XX/year>, I called Equifax and XXXX to have Name, Addresses and Phone numbers that are no longer associated with me to be removed from my credit file. I also requested all soft inquiries to be removed. The company, by law is required to remove the information from my file within 24 hours, yet the information persists, I am requesting that the items that are highlighted in the attached document be removed immediately.