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

My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXX  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 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.

GS BANK USA 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

My credit report was not accurately assessed by your company. The following companies are not accurate : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX MA XXXX Subject : Formal Request for Debt Validation and Cease and Desist Notice under FDCPA and CFPB Guidelines DearXX/XX/XXXX XX/XX/XXXX, This letter serves as a formal request for validation of the alleged debt referenced in your communication and a demand for compliance with my rights as established under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Full Debt Validation : Pursuant to federal law, I request that you provide complete and accurate documentation regarding the alleged debt, including but not limited to : 1. Assignment and Bill of Sale : o A copy of the original assignment contract or bill of sale proving that your agency has the legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, showing why and how you accessed or reported information on my credit report.

3. Validation of Debt : o The name and address of the original creditor.

o A complete and itemized accounting of the alleged debt, including the original amount, any payments made, fees added, and how the balance was calculated.

o Copies of all documents bearing my signature that establish a contractual obligation for this debt.

4. Proof of Collectors Legal Authority : o Documentation demonstrates that your agency is licensed to collect debts in my state.

Cease and Desist Notice : Effective immediately, I hereby demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes, but is not limited to, phone calls, emails, letters, or any other form of contact.

Furthermore, I demand that no negative information related to this disputed debt be reported to any credit reporting agency. If such information has already been reported, I request that it be removed immediately until this matter is resolved.

Failure to comply with these demands and legal obligations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of the Attorney General.

Please send all requested documentation to my address listed above. If you are unable to provide sufficient validation, I request that you immediately cease collection activities and remove any related negative information from my credit reports.
Product: Checking or savings account

The bank in question is XXXX XXXX XXXX. I requested transfer of funds via ACH transfer in the amount of $ XXXX and change and that the account be closed at ~XXXX XXXX PDT on Friday, XX/XX/XXXX. On Monday, XX/XX/XXXX a bank rep called me to " verify '' information ( I had already done this on Friday ). On Tuesday, XX/XX/XXXX at XXXX XXXX PDT, the money had still not reached the external transfer-to account. I called Goldman Sachs and they said to expect the funds to appear in " ANOTHER 1-3 business days. '' These funds were invested in a savings account, which are DEMAND DEPOSITS! I understand the float game and we both know an electronic transfer should occur within seconds. I believe XXXX XXXX XXXX is deliberately delaying money transfers for as long as possible, or maybe even longer, to glom onto " the float, '' at the expense of the owners of the funds, of course. 

I suspect this is a generic problem with Goldman Sachs and needs to be the basis of an enforcement action. Contact me directly for more details.
Product: Credit reporting or other personal consumer reports

Dear Experian : This is a Self-Attestation that I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
This fraudulent account is a personal loan XXXX XXXX XXXX XXXX Account number ( XXXX ) Opened : XXXX. XXXX
Product: Student loan

I have applied to receive PSLF since XXXX of XXXX. In XXXX of XXXX I was notified by Mohela that I had reached over XXXX eligible payments and the expected date of forgiveness was not provided. I was told that by letter and over the phone that it would take up to XXXX more days for my loan forgiveness to be processed. From that point on all information given between Mohela and the FSA is vague and I am not provided with any updates and when I ask when exactly my loan was sent to FSA for discharge every customer service representative says that they do not have that information. Therefore I have no specific updates on loan forgiveness standing-they just say to be patient. The last call I made I was told that I made in XX/XX/XXXX they said I may receive an update by XXXX XXXX. That did not occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I was on the website XXXX attempting to access my yearly free reports. I was able to obtain the XXXX Report with no problem. When accessing the XXXX/Equifax systems, the screen froze. I was only able to hit the back button, it was indicated I received both reports. I had not. I tried to log onto the system again. The system said I had already received the reports and I couldnt go any further. This glitch happened last year to me as well. I wish they would get this fixed.
Product: Debt collection

I was alerted by one of my creditors that something was happening to my XXXX credit report, it is reporting a delinquent account that does not belong to me. Can you please help me investigate this and help me remove this from my credit report with all three credit bureaus, please? 

Columbia Debt Recovery - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, WA XXXX XXXX XXXX ( Original Creditor ) - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Collection Account Account # XXXX XXXX  amount {$4700.00} past due as of XX/XX/XXXX Original {$4600.00} Terms XXXX  Months Please help me, I am a victim of identity theft and have been having issues with fraudulent accounts on my credit reports since XXXX. 

Thank you so much for your help
Product: Credit card or prepaid card

I received a letter dated XX/XX/24 that I was declined for a credit card offer. I sent a message to PayPal stating that my request to open up a credit account was declined. I sent PayPal a message stating that I never requested to open up another credit account and expressed concerns of being hacked. I tried to look at my account online to pay my balance and my credit card account info has disappeared from my PayPal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

unable to get the information I need to get the identity theft stopped. I have tried to resolve this online. XXXX  refused me my credit report and I have never put a freeze or lock on this company. I has several address, social security number and names on my report that do not belong. I am also not able to make so many calls to these companies. I am XXXX and believe that someone has opened false bank accounts in my name as well. I have contacted the FTC and Social Security about this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/year>, there was fraud to the account, provided emails, pictures, and talked to customer resolutions several times. They agreed to remove all negative items, would remove the amount, and later it was placed on my report again. I have all documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander willfully and illegally keeps furnishing inaccurate information to my consumer reports. The alleged account which they continue to furnish states various inaccurate account statuses and dates across my 3 main consumer reports. This account has long been closed and paid off, yet they continue to inaccurately report varying information to all the 3 main credit bureaus in direction violation of 15 USC 1681s-2 of the Fair Credit Reporting Act. Moreover, I never gave them my permissible purposes ( written signature ) pursuant to 15 USC 1681b ( a ) ( 2 ) to furnish this account to my consumer reports yet alone inaccurately. After attempting to resolve this matter with them directly over the last 100 days all to no avail, I am enlisting the help of the CFPB and Federal Trade Commission. This inaccurate and erroneous account needs to be immediately deleted from all my consumer reports to stop this reckless damage to my credit and consumer reputations. Failure to delete this account immediately from my consumer files will ensure I engage the help of my Attorney, State Attorney General, and the FTC to begin litigation against Santander. Pursuant to 15 USC 1681o and 15 USC 1692k of the Fair Debt Collection Practices Act, I will be enforcing for all damages this account has caused me the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/year> Transunion XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SC XXXX Acct : Ending XXXX, XXXX Subject : Dispute of Debt Request for Validation under FCRA To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced in my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681. The collection accounts, listed under ending in XXXX XXXX is inaccurately reported, and I am requesting an immediate investigation into this matter. 
Under the FCRA, you are required to provide validation of the debt and ensure the information reported to credit bureaus is accurate, complete, and verifiable. Specifically, I am requesting : 1. Proof that the debt is valid and belongs to me.

2. A detailed accounting of the debt amount, including any fees or interest applied.

3. Copies of any agreements or contracts that legally obligate me to this debt.

4. The name and contact information of the original creditor.

If you can not verify this debt with the requested documentation, you are required by law to remove the inaccurate information from my credit report immediately. Failure to comply with this request may result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please respond to this request within the 30-day period as required by law. I request that all communication regarding this matter be conducted in writing. 
Thank you for your prompt attention to this dispute. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of two accounts from XXXX XXXX XXXX auto loan opened in 2012 and a credit card opened XXXX appear on my credit report. I am unaware of the account numbers associated with these accounts. I have never applied for, nor have I ever held, any accounts with XXXX XXXX XXXX. These accounts do not belong to me and are the result of identity theft. 

I have provided clear and substantial evidence supporting my claim, including an FTC Identity Theft Report and a police report filed with the XXXX XXXX XXXX XXXX XXXX  ( Report Number : XXXX XXXX ). Despite this evidence, these fraudulent accounts remain on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), your continued reporting of these accounts violates my rights : 15 U.S. Code 1681c-2 ( a ) : Credit reporting agencies are required to block information resulting from identity theft upon receipt of an identity theft report from the consumer. The documentation I have provided clearly demonstrates that these accounts were fraudulently opened in my name. 
15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : This section mandates a reasonable reinvestigation of disputed information. It is unacceptable that Equifax continues to report these accounts without fully considering the extensive documentation I have provided. The burden of proof lies with XXXX XXXX XXXX to provide valid contracts or agreements signed by me, which they can not do because no such agreements exist. 
I should not be required to provide any further personal information or documentation beyond what I have already submitted. Requesting additional personal information is unnecessary and an invasion of my privacy. 

I request that Equifax : Immediately remove the XXXX XXXX XXXX XXXX loan and credit card accounts from my credit report. 
Cease any further attempts to reinsert the disputed accounts without a thorough and impartial review of all evidence provided. 
Ensure full compliance with FCRA requirements in handling this and any future disputes. 
If this issue is not resolved promptly, I will have no choice but to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

I trust that Equifax will take the necessary steps to rectify this situation and ensure the accuracy of my credit report.
Product: Credit card or prepaid card

CapitalOne placed a fraud restriction for no reason that they can tell me on my credit card and is asking for sensitive documents ( Social Security Card ) in order to lift the restriction. I've never had to do this for any credit product in the past. They are threatening to close my account for inactivity in 2-3 years if the documents are not provided. I have offered to provide other proofs of identity but they insist on have a copy of my Social Security Card. I find it quite unfair that because I don't want to send my private documents that my credit score will get dinged for having the account closed for inactivity. 

I have spoken with the Fraud Account ManageXXXX " XXXX '' Employee ID # XXXX, she was not helpful in getting my issue resolved and did not care to help me any further.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, ACCT. NO. XXXX is reporting improperly, on XXXX XXXX  and Equifax credit bureaus.They are showing I owe a balance of XXXX after closing out a lease with payments made on time and in full.The problem stems from the dealer not updating XXXX XXXX  online pay system when the dealer sold me on upgrading my lease to a newer car.The pay site had the old car but never did change when the upgraded car became mine.I had my family making the payment to the site as I was gone for 1.5 years.

Previously last XXXX.post dispute my credit reports said Paid and closed yet they left an extensive late history when the payment was never late.The errors are XXXX and the dealers but I should not have my credit history destroyed for their errors.I would like the account deleted from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX {$100.00} XXXX  XXXX {$7700.00}
Product: Checking or savings account

I called Wells Fargo customer service in hopes to receive a little information of as to why my account was over {$60.00} negative. I let the representative know that I had received a XXXX deposit for every transaction that had been made on the account. I also let her know that I do not have overdraft on my account so the transactions would have not been allowed through had I not had the sufficient funds to cover them when I swiped my card. The representative proceeded to explain to me about the single transaction from XXXX XXXX that posted 8 days after the card was swiped. I informed her that that amount was also taken out of my account that same day it should not be posted as currently pulled. I continued to ask questions regarding why it took 8 days to post and the amount was removed from my account twice. The representative then told me that she doesnt know if Im not understanding or if I just dont like what Im hearing. As she continued to explain to me how transactions on weekends do not post rather than assisting me with understanding why my account was negative. It was very unprofessional and blatantly rude of her to speak to me the way that she did. I have now wasted over 30 minutes of my time trying to figure out why my account was negative and I got spoken to like I was no smarter than a brick wall. I am highly disappointed in Wells Fargo as an entity as well as their choice of employees.
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 Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I called XXXX XXXX XXXX the person was rude, argumentive and did not want to hear my position. He tried to get me to admit to an outdated debt so that the time frame could reset. They record you to entrap you into agreements. 
XXXX XXXX called to discuss removing this file from my report and ask why they performed an inquiry on my credit without my permission on XXXX XXXX. 
There was a previous call in late XXXX where I tried to get information on why this account was on my credit file. I finally received some information dated XXXX XX/XX/XXXX that proves my point. They made a mockery of my XXXX  complaint I filed in late XX/XX/XXXX. 
I have tried to have this removed from my credit report since this account popped on my file in XX/XX/XXXX. They never sent me verification of debt as required by law they called if I am not mistaken asking me for me information which with all the scams I did not provide. They have only recently sent me documents dated XXXX XXXX due to XXXX   complaint and I was told today that more documents were sent on XXXX XXXX since I disputed the account again with credit bureaus. I was told directly by XXXX XXXX during a call not sure of the date that I can keep disputing with the bureaus all I want because they will just validate the information as accurate. Their position is they brought a debt for pennies on the dollar and want to make a profit. Bottom line is that this company have violated the FCRA and common decency for fellow citizens. He told me today they brought several accounts and according to the documents he has it is valid. On the call today the gentleman told me he will not remove it from my credit file and then tried to get to admit to information so he could have me on a recording agreeing to a business transaction with his company. Once he could not get me to agree he got angry and ended the call. I have no business dealings with this company and no legal obligation to them. The documents they finally provided has different information than what is being reported on the credit bureaus which is the basis of my dispute but yet the bureaus say it is 100 % inaccurate reporting valid information. I just want this company removed from my credit file and not to be contacted by them. The credit bureaus refuse to do there obligation under the FCRA and stop companies like this from putting unverified information on a person credit file. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Product: Debt collection

We have gotten numerous calls from  " Southwest Credit '' f rom  XXXX  asking us to call their number  XXXX . Caller ID shows the number as  XXXX   XXXX . We then received an invoice from this company saying we owed them {$510.00} for cable service for an address we have no connection with. When my wife called the  XXXX  number she talked with a "  XXXX   XXXX  '' that told her that they were trying to collect money for an address of  XXXX   XXXX   XXXX   XXXX , NC. We have never lived there and know no one who does. The letter that we received is dated  XXXX   XXXX ,  2017 . We have never been in collections for anything in the past. I received another call from this number (  XXXX  ) today with a voicemail that stated it was fro m Southwest Credit and I  needed to call  XXXX . I did not call them. Researching this company and these phone numbers online leads me to believe this could be a fraudulent company or something. I do not feel comfortable giving them any information over the phone etc. This is not my bill and I do n't appreciate them wasting my time, etc. Please let me know what I need to do. Thank you.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Currently have Fruad accounts and inquiries appearing on my credit reports. I have attached supporting documentation. 

1. XXXX XXXX {$500.00} 2. XXXX XXXX XXXX {$1100.00} 3. XXXX XXXX XXXX {$560.00} 4. XXXX XXXX XXXX {$560.00}
Product: Payday loan, title loan, or personal loan

BEWARE - Explore Credit charges over {$3500.00} in interest on a {$500.00} loan! Explore Credit charges 759.52 % interest on a {$500.00} loan. Payments are auto-deducted, and total payments are {$4000.00} on a {$500.00} ( XXXX XXXX XXXX ) loan!!