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 XXXX XXXX XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

XXXX XXXX XXXX settled wit Hospital per my attorney.
Product: Credit reporting or other personal consumer reports

i recently check my credit report and i noticed some new inquiries on my credit report that i am not authorize. some one who has my personal information tried to apply for credit cards. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Since XXXX I have been subject to the crime of identity theft In the United States, I have been forced on several occasions to resort to claims in the different credit bureaus in the United States for information that does not correspond to my credit profile on this occasion it is the company XXXX MAKES A REPORT FOR A CREDIT FOR A VALUE OF XXXXXXXX XXXX WHICH I DO NOT RECOGNIZE FOR I DO NOT HAVE ANY COMMERCIAL RELATIONSHIP WITH THIS COMPANY, SO I ASK THE COMPANY TANSUNION TO VERIFY AND REMOVE THIS INFORMATION FROM MY CREDIT PROFILE BECAUSE IT DOES NOT CORRESPOND TO TRUTH AND I CALL ON THIS COMPANY TO VERIFY THAT INFORMATION AND NOTIFY ME IN CONTRACT WHICH I SUPPOSEDLY ACQUIRED THAT CREDIT
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called XXXX alerting them that someone was trying to open a credit card on my name ( because I received a text message from them ) but I didn't apply for it. They replied, don't worry no credit card has been opened on your name. 
I reached to the credit bureau and I put an identity theft and fraud alert. 
On XXXX I received an email from XXXX telling me that I have a balance in " my XXXX XXXX XXXX card '' and that I need to pay it. 
I called XXXX XXXX department and I told them I didn't open that credit card, they said they will take care of it. 
On XXXX I have an impact on my credit report score because " I have an unpaid credit card citi diamond ''. I called again and they said they will send a letter to the credit bureu to remove the hard inquiry and the overdue for that credit card. 
On XXXX I called again because the problem was still there, they told me it would take time to reflect the change on my report. 
I am still having the problem and I am receiving emails from XXXX telling me to pay that card
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX account XXXX gave false information on my credit report stating that I have multiple late payments. I personally email XXXX  customer service to correct these false information.Also I stated to XXXX I made these payment I have screenshot proof and I personal feel that XXXX purposely delayed my payment process just because I previously contacted the CFPB about there false statement earlier.I feel like I am being targeted because I spoke my mind.I also have documents supporting my statement attached.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I received an invoice from a client for my consultation company. This was a contracted invoice, and was for the purpose providing consultation support to the client. I processed this via square, which had previously been set up, verified and approved. Only once I received the invoice, square then seized my funds, requested I reverify my identity which I did correctly and then proceeded to send me an email saying I was permanently locked out of square. They provided no reason, no cause and when I called support the support team could not find a reason either. Researching online, I have found this has happened to many many individuals and many of them still have not received their funds despite providing verification and all the proof requested.
Product: Student loan

So I got a student loan to attend XXXX XXXX in XXXX Ca. From XXXX XXXX ( XXXX XXXX XXXX ) Also known as XXXX XXXX out of XXXX XXXX Ca. As I was paying my loans and I started to notice my loans are going up. I called them to find out why my loans were going up. I was told that they fluctuate with the market. It went up like a Dollar or two. 

I told them I didnt think it was legal since I believed that the loan was supposed to be a fixed rate. So I requested a copy of my contract and was told they would send it to me. Well know contract was sent and I forgot about it. 

Then one other time I went to pay my payment and noticed this happened again so I called again and was told the same thing that it fluctuates in the market. So again I requested a copy of my contract and they said they would send it still got nothing. 

So last month ( XX/XX/XXXX ) I went to pay my loan and there it was again my loan went up. So I checked my bank account and searched it and found that 1 off my loans went up XXXX in 18 months. I have a 2nd loan with them that also went up XXXX in 18 months. 

I need some advice or to find out if this is legal. If this keeps happening I dont see know way to pay this off because it keeps growing. 

I will call them and they will probably tell me the same thing they told me last time and I will request a copy of my contract and will never get it so maybe I will have to go see a Lawyer about this. 

This is the money and dates the loan went up, XX/XX/XXXX went up XXXX, XX/XX/XXXX went up XXXX, XX/XX/XXXX went up XXXX XX/XX/XXXX went up XXXX I just think they are ripping people off. If not why wouldn't they send a signed copy of my contract stating this.
Product: Credit reporting or other personal consumer reports

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Student loan

Re : Complaint ID number XXXX - XXXX I'd like to submit an addendum that I received the 1098 form from Mohela which shows a total of {$11000.00} in fees. I'm wondering if this is standard and normal procedure for this company to charge such a large amount in fees? As stated in said complaint above, I was never able to receive a straight answer as to the source of these fees. 

Thank you. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling identity theft since 2015. I have contacted XXXX more times that I can count over the past several years. I have sent in police reports and divorce paperwork and identify theft paperwork over and over and over and over again. Out of all 3 credit reporting places XXXX refuses to remove the identify theft from my report, even though every other agency has removed it. They are still reporting Mariner Finance LLC on my credit report even though I have proven time after time after time that account DOES NOT BELONG TO ME!!!
Product: Debt collection

I recently applied for a mortgage and attempted at getting a pre-approval. When the lender sent me back some items that I would need correct I noticed a debt for NCA for {$420.00}. I contacted NCA today ( XX/XX/XXXX ) verified myself on the phone with a female representative who asked if I ever lived at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I stated to her I have not lived in the state of XXXX  since XXXX. My last known address in XXXX  was XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, which is my parents old address. When I moveXXXX XXXX XXXX in XXXX my address was XXXX XXXX XXXX XXXX XXXX XXXX  till XXXX when I moved to XXXX, XXXX. The representative stated that this account was a credit card opened on XXXX using the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have a apartment lease proving I was not living in XXXX  at no point in XXXX. My credit has never been great so I can definitely recall how many credit cards I have a had in my lifetime. The representative stated that there was a dispute on this account that said this debt DID in fact belong to someone else. When I asked how I could get this taken care of so it could stop affecting my credit in a negative way she said to contact FTC.gov and start a dispute and email them @ XXXX for it to be reviewed and possibly removed. She stated this was not a guarantee for them to remove this debt and if it could not be proved that this debt is mine then I would have to pay it. I have no recognition of this account for a XXXX XXXX Credit card with a balance of {$420.00}. I was not and have not loved in XXXX  since XXXX and In XXXX when this credit card was opened I was living in XXXX XXXX. She also stated that she could not see the opening credit limit but there were No payments made at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX and XXXX of XXXX, five different loans were opened in my name using an address of XXXX XXXX XXXX, XXXX, NC XXXX. The five loans where through a company called Affirm Inc. and ranged in cost from {$8.00} to {$3700.00}. That address has never been a residence where I have ever lived. 
In XX/XX/XXXX, I called Affirm and spoke with XXXX about my fraudulent claim but no help. 
I called XXXX and spoke with an automated phone service and that resulted in zero help. 
I disputed the loans online through XXXX and that did not help me either. 
I then sent an Identity Theft claim through the Federal Trade Commission and that resulted in 4 of the loans being taken off my credit report. The loan that remains is the {$8.00} one and it is listed as a charge-off. Also, that address is still listed on my credit history.
Product: Money transfer, virtual currency, or money service

My venmo account says suspended, the company, venmo never notified me in writing about the account and I did nothing to violate the terms and conditions of my user agreement with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.Code S 1681 2 A Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Debt collection

I have submitted a complaint already with Kay Jewelers and have to submit an additional one this week that a representative is now calling me under a false called ID called Green Tea diet. I answered- and the lady said she was from Kays and immediately rushed to the subject of my debt, I told her that I said to them to stop calling me on XX/XX/XXXX, and I have received over 30 phone calls since then of them and another company with them called Sterling Jewelers , and I told this lady I will get with my debt after I get my police report from an office to fax to my jewelery insurance, and I said once again to stop calling me that my " attorney '' is documenting all calls and she proceeded to ask who my attorney was at that point. I was so furious that they are now calling under false names and now asking information that is none of their business. This is insane!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted are XXXX XXXX XXXX PL XXXX XXXX, IL XXXX and lastly there is XXXX XXXX XXXX XXXX XXXX, IL XXXX. 

Please keep in mind that XXXX ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

As per the FCRA RIGHTS FOR VICTIMS OF IDENTITY THEFT " I have the right to obtain copies of applications and other business records relating to transactions and accounts that resulted from identity theft. '' I have mailed 3 to 4 dispute letters to Capstone Credit & Collections LLC, via certified mail asking for them to provide me with debt verification in the form of, an apartment application that was used to open an account with Capstone Collections or the original creditor, XXXXXXXX XXXX XXXX XXXX XXXX. I was told by XXXX at Capstone Collections that, " they do not have the apartment application on file to send to me for verification. '' However, Capstone Credit & Collections has continued to report this debt onto my credit files with all 3 credit bureaus. This is a violation of my rights under the FCRA! Capstone Collections is claiming I owe them {$2900.00} as of XX/XX/2020, however they can not and will not provide me with LEGAL PROOF/DOCUMENTATION that the debt belongs to me as an individual consumer! The information Capstone Collections sent to me was of a very old copy of my driver 's license and an apartment lease, however this does not prove, nor establish the debt belongs to me, because I have lost my license several times in the past and also the lease does not have my social security number, nor my signature printed on it. For this reason I am requesting that Capstone Collections send me the apartment application so that I may trace how this account was opened? Capstone Collections refuses to send me the application, which the FCRA laws state I have a right too, in order to validate the debt! Capstone Collections has also refused to send me proof this debt is not beyond the statue of limitations, refused to show me proof they are licensed to collect in my state of FL,  and refused to provide me with their license numbers and name of their Registered Agent or Agent of Service that I requested in writing from them on XX/XX/2020. Please have Capstone Collections to follow the FCRA and send me all the information that I requested, as well as the application or signed contract that shows how the account with XXXX XXXX XXXX XXXX  was initiated with my social security number. If Capstone Collections can not provide me with this proper verification ( application ) under the FCRA, then please require them to repair the damage they made to my credit score by reporting this debt to the Credit Bureaus as " NEVER LATE, NEVER DELINQUENT, '' and then have them delete this erroneous debt from my credit files!
Product: Credit reporting or other personal consumer reports

Capital One did hard credit inquiry without my consent on XX/XX/2024. Also it seems they applied for their credit card. Which I never asked for or applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student XXXX XXXX are paid in full please mark account as such
Product: Credit reporting, credit repair services, or other personal consumer reports

The State of Alabama HR has falsely reported the payment history, balance and subjected payment amount of my child support incorrectly to XXXX  and Experian. I have tried on numerous occasions to have this account removed due to it's wrong reporting. The account continues to come back as a verified account, however I have proof that the information being reported is incorrect. The arrears is incorrect and the amount is still accumulating even though I'm paying every month.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Demand for Deletion of Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I am writing to formally request the deletion of information from my credit report in accordance with the Fair Credit Reporting Act, FCRA 605B ( 15 U.S.C. 1681c-2 ).

The information in question relates to fraudulent activity and/or identity theft, which has adversely affected my credit report. 

Please find the details of my request below : FTC Report Number : XXXX Creditors : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Numbers : XX/XX/XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : 1. A copy of my credit report I received from your company. The fraudulent items are in screenshots from each credit reporting agency as shown in each screenshot. 2. A copy of my Identity Theft Report and proof of my identity. 3. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. I hereby request that the Consumer Financial Protection Bureau take immediate action to delete the aforementioned fraudulent information from my credit report within 4 business days, as well as in accordance with the provisions of the FCRA. The presence of this fraudulent information is causing significant harm to my financial standing and overall creditworthiness. Please confirm receipt of this request and provide me with an update on the actions taken to resolve this matter. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX was not deleted. 125 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instruction.