23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Debt collection

I leased an apartment at XXXX XXXX at XXXX XXXX in 2014. I made every rental payment during my one year lease. I left the apartment in very good condition ( I took pictures that I have available ). 

XXXX XXXX changed management companies just after I left that apartment. The new management company provided a " move out statement '' showing {$4800.00} in apparent rent owing along with fake charges for cleanup and painting. 

I have attached copies of all my checks ( except two months where I paid by money order ). The collection of this debt is fraud at the worst and extortion at the best. I paid my rent in good faith and adhered to move out rules. 

The collection agency is Southern Management Systems
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days, and I have yet to get a response.
Product: Credit reporting or other personal consumer reports

Multiple attempts to resolve the fraudulent and inaccurate information on my consumer report have been unsuccessful, leaving me in an increasingly distressing situation. As a victim of identity theft, I never authorized these entries to be associated with my name, yet their continued presence has caused profound disruption to my life, generating significant stress and anxiety while undermining my financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any dispute results.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sold my car to Carvana. I had used an account that was closed for my payment from them. The bank confirmed that the payment was rejected and Carvana now still hasnt paid me in 3 weeks even though they have my car and I have no money.
Product: Credit card or prepaid card

US Bank has lied about of interest i was overcharged and am including proof. 
I received three notfications of over paid interest totaling close to XXXX yet US Bank has not sent a check for any amounts despite telling me on the phone that they would. 
This is not acceptable. They cant steal and get away with it because they are a bank. 
I want my money refunded via check to my address.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts resolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

My account with XXXX & XXXX XXXX was never late! I have had exceptional payment history witH capital 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 60 days 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 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 8
Product: Credit reporting

Hello I filed Chapter XXXX Bankruptcy and was discharged. I requested several times Transunions report and reason why inquires have not been removed from my credit report bringing my score down. I went from a XXXX to XXXX???? why????? I am tired of the credit reporting agencies reporting incorrectly and not helping me as a consumer rebuilding my life! They have not responded and its been over 60 days. I am unsure why they ahve not fixed this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXXXXXX XXXX  XXXX {$0.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

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

I have repeatedly complained to Barclay Bank and via the XXXX XXXX XXXX : I am a XXXX  in the XXXX and my husband is a XXXX XXXX XXXX. We moved to XXXX in mid-2019 and have been experiencing financial hardship. I have demanded that Barclay Bank close my account, lower the interest rate, and place me on a financial hardship repayment plan : they have refused to do this, except for deciding to close my account and do none of the other actions. I did not give them permission to simply close my account : the closure was only authorized in conjunction with the other actions. My husband and I are attempting to get ahold of our financial situation and, during this pandemic, Barclay has repeatedly disrespected us by refusing to follow instructions, refusing to permit reasonable requests, creating bad faith arguments, and refusing to allow us to do what literally every credit card issuer of myself and my husband has permitted. I should not be subject to the arrogance and indifference of this bank, with respect to the XXXX XXXX salaries that both my husband and I have. I made a reasonable request of the bank -- to pay in full, but with lower interest rates -- and they have unreasonably refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate and should be removed. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies ( CRAs ) maintain accurate and complete information in their credit reports. I believe that the following items on my credit report are inaccurate and in violation of the FCRA : XXXX  XXXX bankruptcy discharged, Case Number : XXXX - The court has stated in writing and via recorded phone call attached to this dispute that they have no records of this account in their database nor do they disclose such information or provide them to credit reporting agencies such as XXXX, XXXX, and Experian. Due to the fact the court has failed to provide proof that this account belongs to me and that they do not disclose such information to credit agencies, I demand this account be removed in accordance with the FCRA. 
2-7. Unauthorized Inquiries - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX - I have no recollection of authorizing these credit pulls and demand that they be removed from my credit report in accordance with the FCRA. 

8-13. More Unauthorized Inquiries- XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - I have no recollection of authorizing these credit pulls and demand that they be removed from my credit report in accordance with the FCRA. 

14-21. Inaccurate Account Information - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - There is no record in my possession that these accounts belong to me. Therefore, I demand that this inaccurate information be removed from my credit report in accordance with the FCRA. 

I request that you promptly investigate these items and make the necessary corrections to my credit report in accordance with the FCRA. Additionally, I request that you provide me with written confirmation of the actions taken to rectify these issues. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This debt is a HIPPA violation and needs to be taken off my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion credit report on inquiry. I call their phone number and got a rep. The rep was rude and wouldnt give me a name. I wanted to dispute 15 different credit inquiries that I had nothing to do with and she told me that they are mine and that I just need to ride it out. I am mad beyond belief at the moment. I asked to speak with a supervisor and was told basically that wasnt going to happen. I need this stuff gone as to I didnt inquire about these credit cards or loans.all of this happened on XX/XX/2020 and I keep seeing more pop up on my TransUnion credit report this is stupid. Please help.The following is a list of the credit inquiries. 
XXXX. 
XXXX, IN. 
XXXX ( XXXX ) XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX  XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Early warning has me listed and for unknown reason I've been held back from banking and finance I'm at a hardship point for no reason at all. XXXX XXXX XXXX has blocked me from everything and amount as of my knowledge XXXX dollars and that was the first transaction.that I found out about.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote the companies an inquiry dispute letter regarding unauthorized inquiries done in my name on XX/XX/XXXX and XX/XX/XXXX. I do not have an account with these companies. On XX/XX/XXXX, Capital One Card Services gave examples of three types of inquiries made on a report ( which is irrelevant and did not prove that I made the inquiry ) and asking if I would like to have my name deleted from their marketing list then to send the request in writing. The letter stated the company was unable to locate an account in their system. The company did not submit proof that I initiated nor authorized an inquiry. 

On XX/XX/XXXX, XXXX XXXX XXXX also did not submit proof that I initiated nor authorized an inquiry. 

These inquiries were made without my consent or knowledge.
Product: Bank account or service

My home were scammed from me by XXXX XXXX an XXXX and realator XXXX XXXX XXXX now known as XXXX. They both came to my home XX/XX/XXXX and produced a quit claim deed XX/XX/XXXX and a covenant deed XX/XX/XXXX pressing me to move out called the police. XXXX XXXX said she represented wells fargo and XXXX. XXXX XXXX said he bought the property for XXXX he and his daughter XXXX. Did wells play any role in this transaction. XXXX in XXXX have stated they were not involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

this has been an a issues for me, someone had stolen my identity what do to I do from this point on. this is crazy that someone is pretending to be me and causing XXXX in my life I did not authorize these accounts. these accounts are fraud
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. XXXX XXXX XXXX  states how the credit reporting agencies can not use system methods of any sort to furnish things on my credit. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to XXXX party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you REMOVE the following inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I downloaded Cash app a device app to help me with my investments buying stock that was linked to my checking account. In the past I deposited money to buy stock. However today my cash app account was blocked because I went over the trading limit. I called cash up at XXXX to advise them what happened to my account I gave the cash tag user ID also the asked me to download a picture of my drivers license to verify mi identity etc so they can unblock the account. Within minutes they started to transfer money from my cash app account and my bank account to unk accounts. They have stated that were doing tests which was a lie. All together they have stole about adding it up about {$4000.00}. I am really upset. Spent the whole day with this company trying to retrieve my account. I called the same number trying to get managers no one help at all. All them that I spoke to did give their names, obviously. Once I called them back they had no record of my cashapp Tag. However I do have the cash app card for proof and all the fraudulent charges on my account. I also saw hundreds of bad reviews from customers about this company stealing from customers and not providing the service that they were meant to provide. Cash app is the worst they should criminally charged. My money is gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE BEEN UNABLE TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. THERE IS SO MUCH THAT I AM TRYING TO ACCOMPLISH AND I CAN NOT DO SO BECAUSE OF SOMEONE ELSE 'S SELFISH ACT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE DEROGATORY ACCOUNTS DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is stating that I still am delinquent on an account I never opened account # XXXX. I have disputed this with XXXX, Experian and XXXX itself. Please help! Date opened said date XX/XX/XXXX. with a balance of {$2300.00}. My question I keep asking them as well would be how could you ever get a bill that large ..they turn off accounts after 1 month of no pay which leads me to someone giving fraudulent amounts. Thank you so much for your attention on this matter XXXX XXXX
Product: Mortgage

Ocwen Mortgage reported to the credit bureau that I was 60 days late on my mortgage payment. I made two " additional '' payments. This brings me up to date. Ocwen has refused to update my files. Additionally, they continue to charge a late fee.
Product: Debt collection

For the past two years, I have been receiving numerous calls about a payday loan debt I do not remember even owing or even applying for. Recently, I received a letter from XXXX XXXX XXXX saying that if I do not pay this payday debt in the amount of {$1400.00} by XX/XX/2024, they will take legal action against me, which might result in either garnishing my wages or putting a lien on my bank account. Their name and address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 
I have XXXX XXXX once already and I am running out of options.
Product: Credit reporting

XXXX foreclosed on our house XXXX XXXX. First delinquency was XXXX XXXX. It 's been almost eight years since then. All three credit reporting agencies refuses to delete the item from our credit report despite many many disputes over the years. Most recently Experian reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of first delinquency. XXXX is unreachable. It bankrupted in XXXX and the phone number Experian gives us does not provide any way to access anyone. Below is a copy of the document we sent which includes information we have sent multiple times to Experian
Product: Mortgage

I was approved by Paramount Residential Mortgage Group to purchase a rental property, I have enough funds to close the deal including reserves, I have a XXXX credit score and no debt except the mortgage on my own home. I have held the same job for 19 years. I was denied at the last minute claiming that they were unable to verify my income. That is false. I provided 2 years of XXXX 's, paystubs. I provided my employers name, phone number, address of the business, and email address. They did not contact or verify my employment with my employer. The seller refuses to give me an extension of time, as he has a backup offer, and my {$5000.00} escrow deposit is at risk. Please see attached documents. Thank you. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA ( Equifax ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the account is accurate but have not produced any documents. There is no way that this trade line is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information.They wrote me back on XX/XX/2020 ( Confirmation # XXXX ) and said that the trade line was reporting accurately. I do not believe that they did a proper investigation in this matter.