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

My account with XXXX XXXX XXXX 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 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 XXXXXXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy because I force myself not to buy things i want. I hope you understand the dilemma I'm going through..I always track my bills, I contacted the credit bureaus, to reverse the late payments but they never fix this matter, this is an error, I was not late on XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX  XXXX XXXX XXXX - {$1800.00} XXXX XXXX XXXX - XXXX - {$30000.00} XXXX  XXXX  XXXX - XXXX - {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting or other personal consumer reports

please refer to the previous CFPB file : XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, Re : Demand for Immediate Access to My Credit Report - Violation of My Rights I am writing to demand immediate and unfettered access to my credit report through Equifax.com. As a consumer, I am legally entitled to view and obtain my credit report, and your persistent failure to provide me with this access is unacceptable, unprofessional, and a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ).

For the past [ insert time frame ], I have been unable to retrieve my credit report despite numerous attempts and repeated follow-ups with your support team. This ongoing delay and lack of response demonstrate a gross disregard for my legal rights and personal financial security. It is your responsibility to ensure consumers can access their reports quickly and efficiently, and you have failed in this basic duty.

I am formally demanding that you immediately rectify this issue and grant me full access to my credit report without further delay. Should you fail to comply with this demand within seven ( 7 ) days of receiving this letter, I will have no alternative but to escalate this matter, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and exploring legal action against Equifax for non-compliance and potential damages resulting from your obstruction.

This is not a request. It is a demand for immediate action. I expect a written confirmation of my access being restored or the credit report being provided without any further delay. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Discover Bank Credit Card was opened fraudulent without my consent. I have repeatedly asked Discover Financial to remove the account from my credit report. I completed an affidavit with them in the past and they still have not removed it. The account was opened in XX/XX/XXXX and Charged on XX/XX/XXXX. I need this removed from my credit report immediately!
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts refleted on my credit file, which were added without my consent. pursuant to section 604 of FAIR CREDIT REPORTING act 15 U.S.C 1681b, there are specific permissible purposes required to report an account on my credit file. I did not authorize theses accounts and I do not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching an identity theft report in support of my claim, in accordance with the Identity Theft and Fraud Act ( 18 U.S.C. 1028 ). This report provides evidence of fraudulent activities that have impacted my credit history without my consent, reinforcing the accuracy of the facts presented.
Product: Credit reporting or other personal consumer reports

The address is invalid on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this address. 
The correct address should be XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have battled with capital one for 30 days, I have spoke with over fraud XXXX and dispute managers about my account being taken over by hackers. 

It took two weeks for Capital one to tell me I could freeze the account. On XX/XX/XXXX I was asked via email to provide my passport for authentication. I sent my passport in a day or so later and it was accepted and authenticated. 
I have had this account over 4 years and never changed my address email or telephone number. 

Since XX/XX/XXXX, they have allowed these hackers to continuously change my email phone number and address without using a common sense approach of flagging blocking these fraudulent addresses and phone numbers verses allowing them to change my personal account details and continue the fraud. I was able to go into my online account and screen shot the profile changes of the hacker myself while I reporting the fraud. How can they not stop this activity from happening. 

I have spent over 14 hours on the phone with this fraud department over the past 30 days trying to get this resolved. I was told that a fraud investigator would contact me, however ; they closed all of my claims without contacting via email text or address mail. They have yet to address the {$4500.00} in charges, or even ask to see the police report filed that states my wallet was stolen.
Product: Student loan

Navient is servicing my son 's student loans. He has XXXX : XXXX at 7.5 % variable, XXXX at 2.75 % variable, and a XXXX at 2.25 % variable. We have been sending payments on all XXXX, with specific loan numbers on each payment, and with larger payments on the higher rate loan to try to pay it off earlier. Navient has been posting the payments proportionately by outstanding balance on each loan, rather than the loan number stated on the payment, thereby causing higher interest to be accrued since his loan with the 7.5 % rate is receiving only a portion of total payments rather than the larger amount being sent. This is abusive and should be rectified by reducing the 7.5 % loan accordingly.
Product: Debt collection

I am writing to formally dispute the information reported on my XXXX credit report regarding the account referenced above. Under the Fair Credit Reporting Act ( FCRA ), I am requesting validation of this debt, including the most up-to-date payment records and a detailed explanation of the current balance. Specifically : 1. A record of all payments received and applied to this account.

2. A complete breakdown of how the current balance of {$1800.00} has been calculated.

3. Verification that the status information, including the charge-off and past due amounts, has been accurately reported.

I believe that some of the reported information, such as the last payment date, past due amount, and balance, may be inaccurate. I kindly request that you provide the necessary documentation to support these entries or, if the information can not be verified, update or remove any incorrect or unverified data from my credit report.
Product: Debt collection

I received a statement from KLS Financial Services claiming they had sent me notification of a debt.I had never received any notification from them at any time. I sent a letter requesting verification of the debt and they refused to respond to the request. KLS Financial Services sent me another statement demanding payment in full and threatening legal action. I sent another letter certified mail demanding verification of the debt and if they are not able to verify/validate the debt to cease and desist all communications. I have never heard of this company and have no contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and found items that I have on knowledge of. There are inquiries listed that I dont believe I applied credit for.
Product: Credit reporting or other personal consumer reports

I tried to remove negative item on my credit report with Experian application using LAW 15. U.S.C 6802 but Experian did not removed those negative item
Product: Credit card

I purchased a mattress on line from Macys. I was offered a promotional deferred interest payment plan. Now that the one year promotion has expired I am being charged 35 % interest ( {$790.00}. over and above the cost of the mattress ) and a late fee every month that the entire promotional balance is not paid in full. During the one year promotional time I made regular payments to my account all of which went to my revolving account and nothing towards the promotional balance. I was unaware that this was happening. It is virtually impossible to view the details of the monthly statement on line. In order to see the monthly statement in full one must call and have the statement snail mailed. I was also unaware that in order to have any of the monthly payments allocated to the promotional balance that I would need to call each month and request that my payment be allocated to the promotional balance. Its all smoke and mirrors and a terrible way to do business. Its literally robbery!!
Product: Debt collection

I contacted Harris and Harris for debt validation and received nothing from them. I also reached out to see if it was possible to get it removed they refused to help me
Product: Credit reporting or other personal consumer reports

please delete all the fradualent accounts and unathorized inquiries listed below this is incorrect and wrong reporting Name of accounts : XXXX XXXX XXXX When was the accounts open : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Number : XXXX Name of accounts : XXXX, XXXX When was the accounts open : XXXX. XXXX, XXXX Account Balance : {$450.00} Account Number : XXXX  Name of accounts : XXXX XXXX When was the accounts open : XXXX XXXX, XXXX Account Balance : {$200.00} Account Number : XXXX Name of accounts : XXXX XXXX XXXX  When was the accounts open : XXXX XXXX, XXXX Account Balance : {$1100.00} Account Number : XXXX Name of accounts : XXXX, XXXX When was the accounts open : XXXX. XXXX, XXXX Account Balance : {$450.00} Account Number : XXXX Name of accounts : XXXX XXXX XXXX When was the accounts open : XX/XX/XXXX Account Balance : {$0.00} Account Number : XXXX Name of accounts : XXXX XXXX XXXX When was the accounts open : XXXX XXXX, XXXX Account Balance : {$0.00} Account Number : XXXX Inquiry Name : XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Inquiry Name : XXXX XXXX : XXXX. XXXX, XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiry Name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud and identity theft have been committed by XXXXExperian . 
I ask for a validation and verification of all items on my credit report. XXXX failed to provide forensic auditing of all inquiries and accounts being reported on my consumer report. This is causing immense hardship. I need to speak with XXXX and his/her registered agent. Several laws are being violated that I am aware of and I want to know who is going to take accountability of the fraud that's being committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking for auto loan refinance options and applied to some companies like XXXX XXXX, XXXX XXXX, etc. These are companies that act as a link between consumer and Lender or Credit unions who offer loan amount. 

After few days of applying, I see there are hard inquiries on my Credit Report from these lenders on XXXX XX/XX/2023 : 1. ) XXXX XXXX 2. ) XXXX XXXX XXXX XXXX 3. ) Flagship Credit Acceptance These hard inquiries were done on my credit WITHOUT MY CONSENT. 

When I contacted one of them, they replied that I need to register a complaint with Federal Trade Commission website, ftc.gov. They will evaluate me after I do this.
Product: Checking or savings account

I called Ally Bank to inquire about a withdrawal increase. I recently moved, and I need an RV for temporary housing, so I needed to access {$8000.00}. The agent told me that it was no problem and that he'd need to ask me some questions and send me a text code for verification. Everything was fine until the text code verification ; the line went silent at that moment. After XXXX mins of waiting and saying 'hello, ' I hung up and called back. After calling back and going through the process over again, I was told I failed the ID verification, and I now had to wait XXXX business days to be called back by a specialist. I called once again only to go through the whole verification process, including text code verification, and the woman told me I could not access my account. She also told me that I couldn't access my debit card, online account, or anything else until someone gave me a call in XXXX days. Even after I explained the situation, I've heard nothing from Ally, and now my accounts totaling XXXX are in limbo, and I might lose out on a place to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing since XX/XX/XXXX. I sent dispute letters on XX/XX/XXXX as well. I have not received anything from XXXX, XXXX, nor Transunion. They have inaccurate information on my credit report. XXXX, Transunion, and XXXX are also violating my rights under FCRA and not in compliance with the laws. 

The list of accounts that I have not received results from my investigation since XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX - XXXX - XX/XX/XXXX - {$4200.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$4100.00} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NUMEROUS illegal actions taken by " Fair Collections and Outsourcing '' including violation of FDCRA 605 ( c ) by attempting to " re age '' a XX/XX/XXXX debt by resubmitting today XX/XX/XXXX the same debt Violation of FDCPA 809 ( b ) by failing to validate the debt when requested by my attorney and then continuing to attempt to collect and reporting to Experian Violation of FDCPA 805 ( b ) by contacting my elderly parents and telling them " something bad '' would happen to me if I did n't pay
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX SUNRISE CREDIT SERVICES XXXX XXXX XXXX XXXX, NY XXXX XXXX : ( XXXX ) XXXX Subject : Cease and Desist - Credit Reporting Issue Dear sunrise I am writing to formally request that you cease and desist from reporting inaccurate information regarding my credit account with sunrise with accounts number XXXX believe that the information you have reported is incorrect, and it is damaging my creditworthiness. Specifically, the inaccuracies include not being able provide What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. Your license numbers and Registered Agent or Agent of Service. Under the Fair Credit Reporting Act, I have the right to dispute inaccuracies in my credit report. I request that you investigate this matter and correct the information. Please provide written confirmation of your findings within 30 days. Failure to comply with this request may result in further action to protect my rights. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

PORTFOLIO RECOVERY ASSOC Number XXXX XXXX Reported Balance {$2400.00} Account Status COLLECTION This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is showing a delinquency of 120 days in XXXX, 60 days in XXXX and no delinquency in XXXX however in XXXX to shows 30 days past due. This reporting is incorrect. For example two payments were made on XXXX XXXX totaling XXXX drafted from my checking. My monthly payment is no more than XXXX to XXXX. Request research be done and the payment history will in fact show this payment being paid.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX .... has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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: Debt collection

Recorded message says to call XXXX and ask for XXXX XXXX so when we do so we ask for XXXX XXXX but whoever answered the phone says they can help us. We then state that the phone number you are calling is a new one to us and that we have no debt to anyone so please stop calling for which the standard response has been " We will remove you from our list ''. Problem is, they still keep calling.
Product: Credit reporting or other personal consumer reports

XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX HARD INQUIRIES : INQUIRY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX
Product: Debt collection

Collections of Athens severely and still calling and reporting on my credit file from when I had old XXXX XXXX in XX/XX/XXXX/XX/XX/XXXX with no account number attached on file nor did they have my ID info for proof when I check with their manger! Yet I have signed up with XXXX XXXX XXXX who have sent coll of Athens countless letters to seize and remove the incorrect information on my credit file with all 3 bureaus and they have ignored it and ignored all my calls and messages thereafter and ignored proof sent to them via email! # XXXX EVEN MY DOC FROM THE XXXX  XXXX ( XXXX ) XXXX here! 

CALLED THEM LEFT A MAG SAYING I OWE NOTHING. <XXXX  and XXXX> ins paid up!! XXXX! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX % XXXX % XXXX