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

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

XXXX XXXX XXXX  reported my account late in XXXX of 2022 but my late payment was waived on XX/XX/XXXX therefore a late credit report shouldnt be on my credit file. Its false and inaccurate and was never paid late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used CFPB XX/XX/XXXX, to help me recover my Credit Score ( XXXX ) unjustly reduced to low XXXX by SOUTHEAST TOYOTA FINANCE. This lease for a car was the 3rd one I ( Grandma ) co-signed for my Granddaughter. Their claim of {$2200.00} ended as satisfactorily paid. It took me until XX/XX/XXXX8 ( only with CFPB help ) to recover my XXXX score. Very upsetting months of fighting. ( CFPB Complaint XXXX ). 

Meanwhile, a new Credit Report, dated XX/XX/XXXX, showed this same account showing " Recent balance of {$2200.00} as of XX/XX/XXXX Open ''. I wrote to credit company, asking them to DELETE this incorrect information. I was again SHOCKED to learn that my XXXX score had again been reduced to XXXX for SERIOUS DELINQUENCY!! I have NEVER BEEN DELINQUENT IN MY XXXX  YEARS. 

On XX/XX/XXXX, I received a letter from a COLLECTION AGENCY stating their " client World Omni Financial Corp. d/b/a SOUTHEAST TOYOTA FINANCE has placed this account with our office for collection in the amount of {$2200.00} ''. I called this collection agency & SOUTHEAST TOYOTA to chastise them. ONLY TO HAVE ONE SUPERVISOR ANGERALLY ARGUE WITH ME THAT " NUMBERS GENERATED ON PAPER ARE NEVER WRONG! ". We agreed there was a {$500.00} balance owed, but not the entire {$2400.00}. Finally, after numerous calls, one nice lady looked at former claim conclusion & saw I was right. I demanded a full explanation in WRITING, along with MY SCORE BACK AGAIN ASAP ( 2 days ago ) & reporting all back to CFPB. 

In conclusion, SOUTHEAST TOYOTA DIRECTFULLY & PURPOSALLY ATTEMTED TO COLLECT TWICE FOR SAME CLAIM!!! At my age, if not for my XXXX years in XXXX  XXXX XXXX WORK ( including 5 yrs in Consumer Fraud ), I AM SURE no one could have attained this result. PROOF OF TAKING ADVANTAGE OF SENIORS, as I witnessed in Consumer Fraud Dept over and over..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth time complaint they keep responding that the complaint does not appear to be from me. This is an ongoing problem with Experian so I am sending the same request again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX. XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX & XXXX XXXX ) 2. ( XXXX XXXX XXXX  & XXXX XXXX ) 3. ( XXXX XXXX & XXXX XXXX ) 4. ( XXXX XXXX XXXX XXXX & XXXX XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. You keep saying this is factual information when in fact it is not. I did not apply for anything. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. On the previous request Experian did not remove these inquires. Please delete these items. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Equifax I have worked and sent in letters for the past XXXX years about my personal information and also inquiries and accounts to be updated and taken off. The only responses I receive are we see you are trying to dispute your credit please provide more information and send in proof etc. I have called them and nobody can ever help me or they tell me to wait months for a change.
Product: Credit card or prepaid card

There was a charge of {$8.00} to my Discover credit card on XX/XX/XXXX from XXXX, then another charge on XX/XX/XXXX for {$290.00}. Between XX/XX/XXXX and XXXX there was a delivery to my home of a plain unmarked small box from a Fulfillment center in XXXX XXXX I opened the box to see what was inside XXXX XXXX and some XXXX XXXX, still unopened. 

I recognized the XXXX charges from XXXX  were fraudulent because we do not smoke, we have never ordered any smoking materials from any source, we did not solicit the box that was delivered. I disputed both charges with Discover on XX/XX/XXXX. Discover found in my favor for the {$8.00} and found the {$290.00} was valid because XXXX provided proof of a delivery to my address. I cancelled that credit card number because it was obvious that someone was fraudulently using that card, and Discover issued a new credit card to us. The credit card company advised that I should contact XXXX to resolve the {$290.00} myself. 

I contacted XXXX in late XXXX and was advised the XXXX transactions originated with an affiliated company XXXX XXXX, and forwarded my call to XXXX XXXX. XXXX XXXX ' representative acknowledged to me that the transaction for {$290.00} was delivered to a different address than mine. The {$290.00} was for XXXX XXXX XXXX XXXX XXXX ; the box containing XXXX XXXX delivered to my address was a promotional item. XXXX XXXX ' representative advised that their customer account with my name, credit card information, and address was then closed based on the information that I furnished to them. 

The information obtained from XXXX XXXX indicates that the proof of delivery to my address that was submitted by XXXX to Discover for the {$290.00} transaction was delivery of the {$8.00} promotional box, and therefore Discover should reverse their decision on the {$290.00} transaction and credit my account. Discover stated that I must submit new documentation to reopen the dispute. 

I contacted XXXX XXXX again and asked them to send an email confirming that the {$290.00} transaction was for a delivery to a different address, and they sent that email on XX/XX/XXXX. I uploaded that email but Discover will not reverse the {$290.00} charge to my account. 

The end result is that an unknown party has stolen XXXX boxes of cigars and I am paying for it ; Discover is facilitating this theft by not performing adequate research into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized inquiry being reported into my credit profile. Transunion is reporting a fraudulent inquiry
Product: Credit reporting or other personal consumer reports

USAA denied me auto insurance coverage but refuses to provide a clear reason or underwriting criteria. Their denial letter referenced three accidents marked as 'N/A, ' meaning they should no longer impact eligibility under USAAs stated lookback period. Despite this, USAA still counted them as reasons for denial. 

When I asked USAA for a specific eligibility threshold, they refused to provide one. Instead, I was repeatedly told to 'keep trying ' for new quotes without any definitive explanation of when I would qualify again. USAA also stated that their underwriting guidelines are filed with the Alabama Department of Insurance but would not provide me access to them.

This raises concerns about whether USAA is : 1. Applying an undisclosed or extended lookback period beyond their filed underwriting guidelines.

2. Improperly using past claims history as an underwriting factor while failing to disclose it.

3. Engaging in non-transparent consumer reporting practices by withholding the actual criteria used for insurance eligibility. 

I am requesting that the CFPB require USAA to provide clear, written underwriting standards, explain how consumer report data is being used in eligibility determinations, and ensure that their underwriting practices comply with fair insurance regulations.
Product: Credit card or prepaid card

XXXX XXXX I was in XXXX. Tried to use my debit/credit card from Citizens Bank. The card did not work either as debit or credit card. ( Plenty money in the account ). Today, XXXX XXXX I went to XXXX and tried to use my card as debit and credit. Did not work. There is a Citizens Bank in XXXX XXXX XXXX. I went over to the bank and at first they had no idea why my card would n't work. Then the young lady who seemed to be a manger tried to sneak out without answering my question ; what 's wrong with my card! She said oh you got your PIN number wrong 7 times in a year so the card was shut down! No notification from the bank that they shut down my card. The teller and the manager did n't care, that is Citizen Banks policy. This is wrong on so many levels. They need to notify their customers when this happens!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Two years ago, I changed my name and I updated all the credit bureau of the name change. I do not have problems with other credit bureaus except Experian. I did not suspect any problem with my Experian credit file until about 3 months ago ( XX/XX/2020 ), when my apartment lease was coming to an end and I needed to secure a new apartment. I attempted to apply for a new apartment, however, I was told by the apartment community that there was a lock on my Experian credit file and I needed to contact Experian to resolve the issue. I had to contact Experian a couple of times because the apartment insisted they couldnt run my credit even after the reps at Experian had told me there was no lock on the credit file. I became frustrated and then tried a different apartment, I was told the same thing as the first apartment. My rental application was rejected by more than 4 apartment communities because they could not run my Experian Credit report. Then I tried to run my Experian credit myself, and I realized there was a lock on my file.

I called Experian again and demanded to talk to a manager. The manager told me I had to send all my name change documents again because their system had my SSN under two different names- ( This was as a result of my name change ) she told me to call back in about 5 business days, I did as instructed and called back to get an update, they acknowledged the receipts of my documents however no one had been able to rectify their system issue even as I  type this on XXXX XX/XX/2020. I have called several times, no one has taken responsibility for the problem, I get bounced around to different departments and at the end, get hung up on. Most times, I spend over an hour on the phone with no viable solution.

Right now, I can not get an apartment ( I am practically homeless ) neither can I get credit from lenders. I am also currently on the job market for a new employment opportunity and my fear is that I may possibly lose a job offer because of a prospective employer 's inability to run my credit for background check. I have attempted to involve a legal shield lawyer, but he doesnt seem to be making any headway. I am unsure what to do or who can help me. My life is basically on hold because of Experian 's employees ' negligence of duty or lack of training. This credit lock has created so many roadblocks for me over the past 3 months and I need this resolved so that my life can go on.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX XXXX - XXXX XXXX. 
XXXX  XXXX - XXXX XXXX. 
XXXX XXXX XXXX - XXXX XXXX. 
XXXX XXXX XXXX XXXX - XXXX
Product: Debt collection

Original creditor is previous landlord ( XXXX XXXX XXXX in XXXX, TX/XXXX XXXX in XXXX, TX ) - has charged us for excessive/fraudulent move out fees ( Deceptive Trade Practice ). We have disputed several times. Account was forwarded to collections agency ResidentCollect. Again, disputed and requested validation via Certified mail within 30 days. ResidentCollect reported to all credit bureaus on XXXX day before legally validating per FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Compliance Standards. This alleged debt are reporting fraudulently the XXXX Main credit bureaus work for me and I want this unverified debt removed, due to willful non-compliance due to FURNISHING MY PRIVATE INFORMATION WITHOUT XXXX DISCLOSURES you must remove all inaccuracies. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, How was this verified? 
If a debt is sold to a XXXX party a consumer ( you ) have a right to know how much it was sold for, and if the debt was assigned to a third party the consumer ( you ) have a right to know what their commission is if they are successful in the collection of such debt. please remove this debt collection.
Product: Credit reporting or other personal consumer reports

Hello CFPB, I am filing this complaint on the three credit bureaus. 

I am informed Experian, XXXX and XXXX XXXX XXXX XXXX was result of Identify theft.. 

Each credit Bureau informed me they sent my dispute to XXXX XXXX XXXX and it can take up to 30 days to be investigated. 
: My complaint is regarding the following statue : 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 15 U.S. Code 1681c2 says the following : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I want to remind all CRA of statue 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Product: Credit reporting or other personal consumer reports

REINVESTIGATIONS OF DISPUTED INFORMATION 15 USC 1681i ( 1 ) ( A ) ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ). 
if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that i had fraudulent accounts on my report. Please remove these accounts immediately they are hurting my ability to gain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey CFPB, I have written you guys today to report an outdated inquiry that still reports on my Experian Credit Report today. The information that outdated is from XXXX XXXX/XXXX XXXX XXXX. The Removal Date that is stated on the Experian is XX/XX/XXXX. Today date is XX/XX/XXXX, which means that the inquiry is, in fact, an error. If you need any information or verifying who I am, feel free to call me at ( XXXX ) - XXXX -XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX  - XXXX - {$5700.00} Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX