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

My account with 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 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX Acct XXXX. XXXX {$2100.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$5100.00} Inquiry : XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a Identity Theft yet I have an items passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Student loan

I submitted an income driven repayment plan change request to XXXX on XX/XX/2016. On the XXXX it was approved, then a few days later my loan was transferred to XXXX. My payment plan change did not transfer, so I applied again and was reassured that the application was received and everything was ok. I then received a notification that my application was denied because my loans were not in repayment ; they are. I called and was told to resubmit along with some updated income information, and I did, my request was denied again because it was n't time to renew my income. It 's been 3 months and I 'm unable to continue making my high payments.
Product: Credit reporting or other personal consumer reports

Noticed on XXXX XXXX  that an old inquiry ( from XXXX XXXX ) was removed, and then an inquiry from that same bank was newly added. XXXX XXXX has no info other than " XXXX '' displayed, and the fact that it was added to my report within the last 5 days. Tried contacting transunion for contact information for the bank and was denied. Their website does not work and phone wait times are extremely long. Mind you I chatted with transunion maybe XXXX weeks ago where I provided my SSN and DOB through a secure form within the chat and had contact info for a collections account provided immediately. Now suddenly that is impossible and since their website will not work, I HAVE to call to verify my identity and providing contact info through the chat is 100 % impossible and a privacy issue. Finally contacted bank directly by just calling XXXX numbers on the XXXX website for info on why an inquiry was just recently added and they just said I " had no recent applications with them. '' When I stated they needed to investigate why they have just added an inquiry if I have not applied for anything, they stated over and over again that someone MUST have added me as an authorized user despite that being completely impossible. And of course they had no way of looking up this imaginary account that I am an allegedly an authorized user on. Refused to transfer me to a supervisor because I am " not a customer. '' Had to threaten contacting the FTC and ask for the agent 's identifying information before they would even mention being able to file a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed XXXX XXXXXXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} Charge Off XXXX XXXX {$8200.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$0.00}
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. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$83000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$78000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$17000.00} XXXX XXXX XXXX & # XXXX XX/XX/XXXX -- {$73000.00} XXXX XXXX BANK & # XXXX XX/XX/XXXX -- {$46000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$74000.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$63000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$48000.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$76000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$82000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$8800.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$84000.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$78000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

PayPal is holding my money for 180 days. The money received was from our business account. I have uploaded all documents verifying my identity and documents. The money is suppose to be used for medical reasons and they still froze my account and not able to withdraw my funds. We've explained to them PayPal or our account shall not get any charge backs because it is a transfer from one account to another. It wasn't a goods and services transaction and it was suppose to be as family and friends. Money was sent from XXXX, in which we own, to our personal account, XXXX. We've tried to explain this to them and tried to get a hold of someone in corporate, but was unsuccessful. Please help, as I can not be without certain medications and I'm waiting for a XXXX  XXXX. This has caused great amount of stress and frustration. One of the documents uploaded was a photo of one of my medical bills. Not to mention I have to pay for my housing. The reference number is below. I will personally hold PayPal responsible if anything should happen to medically, mentally, and physically. 

Reference ID : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for failing to properly handle my dispute regarding an inaccurate entry on my credit report. Below are the key details and timeline of my experience : Date of Initial Dispute Submission via CFPB : XX/XX/XXXX Submitted a dispute to Equifax concerning inaccurate, inconsistent, and incomplete information on my credit report via CFPB Complaint # XXXX. 

Communication from Original Creditor : XX/XX/XXXX : Received an email from the original creditor confirming receipt of the dispute from Equifax on XX/XX/XXXX. 
XX/XX/XXXX : Received another email from the original creditor stating that the investigation was completed and the results were sent back to Equifax. 

Responses from Equifax : Dated XX/XX/XXXX : Received a letter from Equifax acknowledging receipt of my dispute, but requesting additional proof of identity and resubmission of the dispute. 
Dated XX/XX/XXXX : Received a duplicate letter, similar to the first, requesting additional proof of identity and resubmission of the dispute. 

Despite the investigation being acknowledged as completed by the original creditor, Equifax continues to withhold the results of the dispute, claiming insufficient information to verify my identity. This delay and request for additional information appear to be stalling tactics, as I have already provided all necessary documentation initially.
Product: Credit reporting or other personal consumer reports

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

I am having 2 issues with a company called MRS associates. 

1. They are making repeated calls to my cellular number but when i answer the call they disconnect. I know it is them only because when i call back they have an automated answer telling me who it is. 

2. When I call back MRS associates will not tell me what debt they are trying to collect or give me any information unless I answer a litany of their questions to " confirm '' information they claim to already have. Since I do not know who these people are or what their scam is I have refused to provide them any information about me. In turn they refuse to tell me what debt they are collecting and they also continue to call. They insist that they have my address and ask me to " confirm it '' but they have yet to send me anything in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  The Account With 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 instructions
Product: Debt collection

OCWEN mortgage servicing company ( XXXX ) has been calling for over a year. I have never had a mortgage with anyone. Explained each time that the person they are looking for is not at this number, that I am not the debtor they are looking for and requested each time to have my number removed from their system. Have called their " support '' number and requested my number be removed. They continue to call daily, sometimes XXXX daily.
Product: Checking or savings account

Company promised XXXX XXXX  i called up WellsFargo customer service to make sure i am eligible and customer service confirmed the same. 

Now they are rejecting the bonus saying I am not eligible as it is within 24 months time frame which was not mentioned by CSR when I called up. 

need this fixed ASAP and opening bonus deposited into my acct.
Product: Credit reporting

I wrote Equifax on XXXX/XXXX/15 and alerted them to a XXXX account XXXX that is not mine. And they thus far have refused to answer my dispute NOR remove the item. I EVEN SUBMITTED A POLICE REPORT!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681a, which defines the obligations of credit reporting agencies to ensure the accuracy and integrity of the information they report. I disputed inaccurate information on my credit report account ( # XXXX ), but XXXX failed to follow up or correct the errors. 

XXXX actions also violate Section 1681i, which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. The CFPBs recent lawsuit against XXXX, alleging the acceptance of unreliable information and failure to notify consumers of dispute results, mirrors my experience. This failure has negatively impacted my credit and ability to obtain financial products. 

XXXX  negligence in this matter violates my consumer rights under the FCRA, and I request the CFPB investigate and take corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 withXX/XX/XXXXi 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 XXXX. 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 XXXX more than 21 times. XXXX 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 im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I have tried to have these improper items that are negatively reporting on my credit report removed due to violation of my privacy rights, defamation of character, and the main reason, which is I never gave consent to report these items on my report. 

The following late payments are a part of the hinderance on my personal reports. 

XXXX XXXX - XXXX - {$25.00} XXXX XXXX - XXXX - {$60.00} XXXX XXXX XXXX XXXX - {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a certified letter to LexusNexis to show proof of their method of verification for validation of a Bankruptcy they have put on my credit report and the 3 other major bureaus use them as a source of verification. It has been over 60 days since I sent them this certified letter with no response.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I received a call from the XXXX XXXX police department ( came from that phone number XXXX ) and the person left me a voicemail saying he was sargeant XXXX XXXX with the XXXX XXXX sheriff 's office and needed to speak with me regarding an ongoing case. He provided a cell number ( XXXX ) to call him back at. I called back and left a voicemail and he then returned my call and said I had XXXX XXXX  that I didn't show up for and therefore was being given 2 citations. He provided citation numbers and told me that I needed to pay these fines ( total of {$3000.00} ) and meet with a judge in order for it to not remain on my record OR I can have it remain on my record. He provided me with another Officer in the Treasury Department, XXXX XXXX and an email address to send payment to through XXXX  ( XXXX ). He said once payment is received, I will receive a notification and be transfered to his receptionsit to set up a court date with the judge via XXXX. I sent money and then they hung up. I have contacted my bank, Wells Fargo and they said they can't do anything to help me. I have tried requesting a refund through XXXX but now the recipient is no longer regsitered with XXXX I filed a police report with the XXXX XXXX police but have had no luck with that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This should not be on my credit report, this is inaccurate information on my credit report. I would like these accounts removed as soon as possible as it is damaging my credit report. The law clearly states it under 15 U.S.C 1681G Law violation. 


Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$3700.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type FHA Mortgage Balance on XX/XX/XXXX Loan Amount - {$180000.00}
Product: Debt collection

XXXX HAS A AMOUNT ON MY CREDIT REPORT THAT DATES BACK TO 2008 -- BY LAW SHOULD OF BEEN REMOVED AFTER 7YRS. WHY IS IT STILL ON MY C/R?? -- XXXX SOLD MY ACCT. TO MID-LAND CREDIT -- -MID-LAND CREDIT DELETED MY ACCT. WHY IS THIS ON MY CREDIT REPORT?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts to prevent further harm to my credit score. The following accounts need to investigate and correct for erroneous reporting in my file are listed on 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 I already sent the required file to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. please verify the accounts above
Product: Credit reporting or other personal consumer reports

" 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, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XX/XX/XXXX
Product: Bank account or service

I had a savings & checking account with Bank of America and the checking accounts have been closed due to negative balances. I have been trying to make this right because I use my savings account for everything and they are constantly charge me fees. I was told by them that because this account is used so often that the FTC would make them convert my account to a checking account. I wanted a payment plan and was told someone would contact me but this has n't happened but the fees keep coming. I believe they are not helping me so they can continue to collect these fees and for all the fees I have paid they could have been applied the fees to the balance I owe the bank. Please advise me as to why I have to continue to pay fees when the bank has n't complied with setting me up on some type of payment plan to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, DE XXXX Hard inquiry - I did not Authorize XX/XX/2020 2020