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

The XXXX XXXX credit card Through MY XXXX Marked a late payment than notified the public of a late payment taking my score down over XXXX XXXX, when I called and explained the financial institution " XXXX '' I use for personal and business was delaying my checks being deposited as if XXXX XXXX XXXX purposely are delaying cleared checks so I can fall behind on payments, XXXX XXXX said the late payment was reversed I also stated they illegally put my info out to other companies they again said they would correct the issue that I needed to dispute the " the XXXX XXXX " credit card with XXXX Bank to correct the issue and nothing has been corrected.
Product: Student loan

I sent a message to EdFinancial the week of XX/XX/XXXX to request a refund on a XX/XX/2020 loan payment. I should be within my rights to have that amount refunded since it was made during the forbearance period. I sent my message through EdFinancial 's online help portal. I received no confirmation that I sent the message. I checked my spam, trash, and all my inboxes. I called EdFinancial today, XX/XX/XXXX, to request a refund again. I was told the deadline to request a refund was XX/XX/XXXX. I can not find any public notice that the last day to request a refund was XX/XX/XXXX. When I called today, the EdFinancial representative said they would need my email requesting a refund, sent last week, to help me. I have no proof of this email, since their system never sends a confirmation. I just sent them another email, requesting that they send me proof of receipt, and I have not gotten any response in my inbox. I have a screen recording of myself sending the message through the portal and I have attached it. I suspect the lack of confirmation of a message is by-design, as their help portal does not allow you to log into your account when you submit help-it always takes you to a logged out page such that no record of contacting help exists within your account.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate late payment reporting on my Bank of America account ( account # XXXX, reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). These late payments are incorrectly showing on my credit reports with XXXX, XXXX, and XXXX, despite my timely payments. Under 15 USC 1666b and the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information. Please provide evidence of the late payments or correct the reporting to reflect " on time '' or " paid as agreed '' payments with all three credit bureaus.
Product: Mortgage

I reached out to the  Leander to try to ge t a modification and was never able to get  one
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I made a call back to the number that was forwarded to me with a request to contact a Bank Representative back. I reach out to JP Morgan and Chase bank, who told me that I had outstanding Loans and fees and borrowed unsecured and secured moneys that needed collections. I stated I was the Real XXXX XXXX XXXX XXXX SSN XXXX and I had never mad any account or authorized any payment at any bank because I had been falsely imprisoned at the time the accounts were made. 
in XXXX - from XXXX till XXXX, from XXXX till XXXX then I was Released and have only opened a XXXX account for the purpose of cashing a payroll check XXXX time locally in XXXX Texas. the claimed i have outstanding loans, and Payday loans, and borrowed money that hasn't been payed, and I'm responsible. But I am under Identity Theft as my ssn and identity cards were stolen from the mail box of my mailing address and other people in the city of XXXX has used my identity for yeweh cult style living, and procuring property and businesses, and buying businesses. It wasn't me who did these things, someone whom looks like me. please help. email used was XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$490.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$200.00} Highest balance {$640.00} Terms NA This account was fraudulent, and this is identity theft and double posting to the account. this need to be thoroughly investigated '. Please
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the Consumer Fair Protection Act ( CFPA ). Specifically, Cash App ( Block , Inc. ) failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraudulent and do not belong to me. Please have these following inquiries removed from my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1987, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX 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. 

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

I have XXXX issues that I have talked to Equifax about and nothing has changed. 

1 : First all my father and I have the same name and address so some of his stuff got reported to my credit. I did however get his accounts taken off BUT XXXX of his inquiry 's stayed on. I disputed it but Equifax left those XXXX on. XXXX was XXXX financial and XXXX XXXX. XXXX XXXX is XXXX 2015 and the XXXX loan ( NOT CREDIT CARD ) from XXXX 2015. 

2 : I had XXXX accounts I DID NOT dispute was taken off my credit and I would like them back. Equifax told me to call the merchant. The merchant told me since the account was paid in full and in good standing and closed Equifax would have to put it back.. The XXXX accounts i want back on my credit are XXXX : XXXX also known as sterling XXXX XXXX : was capital one/ XXXX XXXX. Please ADD those XXXX accounts back to my credit.
Product: Money transfer, virtual currency, or money service

I had around {$1700.00} in my cash app account that just vanished and I had no results about the situation
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Experian, XXXX, XXXX. Experian, XXXX, XXXX has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit 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, 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: Credit reporting, credit repair services, or other personal consumer reports

Experian is incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX   however Experian has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not know that XXXX got hacked in XX/XX/2017 and never received notification in the mail as they stated they were going to notify everyone affected. 
My homeowners insurance is coming up for renewal and they can not renew it because XXXX put a flag on my account when it got hacked stating Potential Fraud. 
XXXX  refused to remove this even though I gave them PLENTY of personal information that would prove that I was who I was in able to get the flag removed. 
I am not able to aquire homeowners insurance because a Company that I DID NOT GIVE PERMISSION to receive and store my personal information let it be stolen. 
They stated that my NAME, SOCIAL SECURITY NUMBER, BIRTHDATE, ADDRESS, WORK HISTORY and everything else they collect got stolen. 
*I WANT A NEW SOCIAL SECURITY NUMBER XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/scrub>XXXX XXXX XXXX, I renewed my XXXX membership and charged it to my XXXX Citi XXXX card to prevent account closure, as instructed in a letter from Citibank. Despite this, Citibank erroneously closed my card account on XXXX XXXX XXXX 

When I contacted Citibank, they claimed XXXX had not informed them of my membership renewal. I offered to provide proof of renewal, but Citibank refused to accept this evidence. 

I later discovered XXXX had mistakenly canceled my membership, causing this error. XXXX corrected the issue, backdated my membership, and notified Citibank of the bank error, requesting immediate reinstatement of my account. 

Instead of reinstating my account, Citibank attempted to run an unauthorized credit check. As my credit files are locked, I received a letter on XXXX XXXX XXXX stating they were unable to process the inquiry. 

I immediately contacted Citibank by phone. After a lengthy hold, XXXX confirmed my active membership and the bank error to Citibank. I unlocked my credit access during the telephone call, though Citibank did not seek my permission to run a credit check. 

As of XX/XX/scrub>XXXX XXXX XXXX, my Citi XXXX account remains closed despite multiple attempts to resolve the issue and clear confirmation of the error.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On or about XXXX of XXXX, I opened a credit card account with XXXX for a Walmart Credit Card. The account was sold to Capital One on or about XX/XX/XXXX of XXXX. The account was closed without my permission, any notification, or other means of communication. I contacted XXXX, who is the " Senior Account Supervisor '' with Capital One - ID # XXXX - who informed me that she was not willing to even attempt to reopen the account. XXXX admitted that there was no letters, emails, or any other notices, of changes to the account, prior to, or after the account was closed. I asked that the account be reopened since closing the account was unjustified.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on 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 XXXX, XXXX, AND 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 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

I have sent a total  of three letters each to   XXXX   XXXX   and TransUnion that I wanted verification of the " public records '' showing up on my credit report. I have letters from the court systems that they do not verify, which I have sent a copy of with each of my letters. They keep on coming back and saying they have " verified '' it. One even goe s so far as to say they verified with  XXXX . According to law, they have to verify with the listed entity. I have tried to explain this to them, but they still refuse to remove it. TransUnion removed the public records, but put them back on within a couple of days and did not send me a letter that they were " reinserting '' it on my report ( also a violation ). I would like help from the cfpb on this situation since I am obviously getting nowhere with the credit bureaus.
Product: Debt collection

My husband XXXX XXXX  received a loan from Harbor Financial in XX/XX/XXXX. He had just got released from XXXX. He had been XXXX from XX/XX/XXXX until XX/XX/XXXX. He was paying on the loan and he stopped when he stopped working odd jobs because of his heart. XXXX XXXX who is the manager at Harbor Financial told Mr XXXX that he could just start bringing any amount on the payment and she would put it in an 
envelop until a full payment is reached. When he informed her that he had some money to bring she told him that she could not except the partial payment she had to have the whole payment. So after that, she started callling my cellphone from her cell phone and texting me about the payment. She had one of her workers call named XXXX trying to find out my job and said they were going to garnish my wages.  I did not sign for the loan nor have any thing to do with the loan. I am tired of her calling my cellphone from her personal phone and texting me about the loan that he should not have received because he had just gotten out of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX
Product: Mortgage

Wellsfargo seized my home in XXXX as it was reported to me on XXXX XXXX they claim it was abandoned though I XXXX utilities and lawn service my mortgage is CURRENT just yesterday they sent a locksmith who gave my son new keys and they proceeded to trespass on my property and take photographs of my property in essence they changed my locks left my garage door unlocked spray painted my garage door with a house number that is not mine entered into my home attached a log on my wall with a different address listed on it signed in to the log all the while my mortgage is current and without contacted me I hope you can help or direct me to someone who can