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

My account with these company 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 MONTHS REPORTING LATE 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.

This company 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: Checking or savings account

Received following set of emails from Wells Fargo : We Have Received Your Application Dear XXXX XXXX, Thank you for choosing Wells Fargo for your financial needs. 

We're writing to let you know we received your application for a Wells Fargo Everyday Checking account on XX/XX/2022. 

Please see below for further details and important next steps for your account ( s ). 

Wells Fargo Everyday Checking Application Reference Number : XXXX Status : Your application has been approved. 

Next Steps : Make your opening deposit by using the Wells Fargo Mobile app, by transferring from another bank account, or in person at an ATM or branch. 
Set up Direct Deposit. Have your paycheck or regular income deposited automatically into your Wells Fargo checking account it's convenient, fast, and safe. 
View your submitted application, disclosures, and account documents up to 90 days from when the account was opened. ( You will need your access code or your username and password. ) Thank you again for applying for your Wells Fargo Everyday Checking account at wellsfargo.com. Please keep this email for your records. 

Sincerely, Wells Fargo Online Customer Service Wells Fargo Bank , N.A . Member FDIC. 

Please note : Do not reply to this message directly. You can call XXXX with banking questions or XXXX for technical assistance.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX : Account Number : XXXX : Balance : {$2400.00} Account Name : XXXX  XXXX : Account Number : XXXX : Balance : - {$2000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$3300.00} Account Name : XXXX XXXX  # XXXX : Balance : {$7000.00} Account Name : XXXX XXXX XXXX XXXX : Balance : {$36000.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  : Balance : {$25000.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$24000.00} : Date Opened:XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$14000.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$10000.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$7400.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$3000.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$630.00} : Date Opened : XX/XX/XXXX Account Name : XXXX : Balance : {$630.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX : Balance : {$0.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$0.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$0.00} : Date OpenedXXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$0.00} : Date OpenedXXXX Account Name : XXXX XXXX XXXX XXXX Balance : {$0.00} : Date Opened : XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX VIA DEALER XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX updated late payments on active account to from XXXX to XXXX, but TransUnion and Experian credit bureaus are not following suit only XXXX is. 

If a creditor knowingly reports incorrect information or fails to correct an error after being notified, the consumer may seek damages under California Civil Code Section 1785.31, which provides remedies for violations of the California Consumer Credit Reporting Agencies Act ( CCRAA ). 

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Remove inaccurate late payments from my credit report.
Product: Student loan

On XXXX XXXX, I presented to bank of America, in person, my paid in full balance of XXXX for my student loans. It was received and accepted By a local branch manager in the city in which I lived, and they then in turn sent it to domestic collections in XXXX Texas as a final destination for my payments so that I may get credit for it. I then waited about 3 weeks and had not heard anything back from Bank of America at all, but I traced the payment that was sent overnight to their collections department and found that it was received on XXXX XXXX. As a follow up, on XXXX XXXX, I Then wrote the chief financial officer, XXXX XXXX, in their corporate center in XXXX and demanded I get a credit for my payment. In the letter I gave them two weeks from receipt to respond and to date have not received any correspondence in regards to my demand letter. In the demand letter I included the tracking info and copies of the documents that was received and accepted by the bank of America branch in my city.. 
Yesterday I spoke with my servicer, XXXX and they said they never received payment.
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 XXXX i made this clear for 60 days straight with XXXX  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 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Opt-Out Notice Pursuant to UCC XXXX and XXXX XXXX XXXX Dear XXXX XXXX, I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with * XXXX XXXX XXXX, account # XXXX, * XXXX XXXX XXXX XXXX, account # XXXX * XXXX XXXX XXXX XXXX, ACCOUNT # XXXX * XXXX XXXX XXXX, account # XXXX * XXXX XXXX, account # XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Product: Checking or savings account

On XX/XX/XXXX, a check of {$1200.00} was about to cash from my Wells Fargo checking account. My account did not have the balance to cover so an overdraft fee was incurred. I did not write this check. After hours of communicating with bank rep over the phone, I got the image of the check, and confirmed that 's not a check from me ( not even have my name/address/signature on it ). The rep confirmed it 's a bank error/fraud, however refused to credit the fee back to my account, saying additional investigations needed. On XX/XX/XXXX, I wrote online message to the bank, bank confirmed that the executive office will follow up this case with me within two days. I have not heard anything from the bank as of morning of XX/XX/XXXX. I have no choice but filing the case with CFPB, hoping the issue can be resolved swiftly and reasonably.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. XXXX hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information XXXXXXXX XXXX XXXX  collecting on an account that I do not have with this company. I have submitted certified mail to request a validation letter and I have yet to receive one. This company has reported on XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX and Equifax XX/XX/XXXX reporting inaccurate information that can not be verified. The credit bureaus ( XXXX, XXXX, and Equifax ) continues to verify the information is accurate with no supporting documentation. I am requesting that the credit bureaus delete this account if this information is reporting inaccurate with XXXX XXXX XXXXXXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account has violated my rights. 15 usc 1681 section 602 A. states I have the right to privacy. 15 usc1681 section 604 A section 2 : It also states consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

There is all kinds of credit inquires in my credit report and I do not and have not inquired about any credit at all so these inquires are not true and not from me and I'd like them off of my credit report.NONE OF THEM ARE FROM ME
Product: Payday loan, title loan, or personal loan

Every month I pay over {$700.00} to Titlemax!! I located my loan papers and I agreed to pay  XXXX !!! I never would have agreed to pay so much. They also have the incorrect name on the paperwork! I am currently  XXXX    XXXX     XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   in  XXXX , TX. I continued my loan payments but now I am   XXXX   XXXX   and only receive {$400.00} biweekly. I communicated this to management who told me I was in default and up for repossession. I explained again that I am   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . They told me there 's nothing they can do ... which I do n't believe
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that TransUnion is reporting an account that has already been deleted by other credit bureaus. As we all know, the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting must be 100 % accurate. Hence, it is crucial that TransUnion takes immediate action to correct this error by removing the mentioned account from my credit report as soon as possible. Inaccurate or misleading information can significantly impact my creditworthiness, leading to severe long-term consequences. I urgently request the removal of this account at the earliest : XXXX XXXX Balance : {$0.00}. This account I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the fraud.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXXXXXX XXXX Balance Owed : {$7100.00} DPT EDXXXX XXXXXXXX  Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After taking a friends advice and reading the FCRA, I noticed that the furnishing companies were in violation of my federally protected consumer rights. The list of accounts I have below have also been attached in my FTC Report. The section of the violations fall under consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : ACCOUNT NUMBER : 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 XXXXXX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 or other personal consumer reports

Consumer Name : XXXX XXXX Consumer DOB : XX/XX/year> Consumer XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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 as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

We have been telling Select Portfolio there is no Lien instead of them acknowledging what XXXX and XXXX had said they decided to Foreclose, we have been asking for 3 years where are you sending our payments they never gave us that information, instead under the Foreclosure they say our Investor is XXXX XXXX and has been our Investor since XXXX, which is Fraudulent and then they added a Loan Modification that was signed 2 months ( XXXX ) after XXXX XXXXXXXX XXXX  was closed ( XXXX ) by the XXXX, also doing the Foreclosure the Plaintiff submitted documents saying XXXX XXXX was part of Pooling and Servicing since XXXX, whereas XXXX didn't become Servicer until XXXX, and didn't receive a mortgage payment until XXXX. 
XXXX XXXX who was the Master Servicer after XXXX  XXXXXXXX XXXX closed XXXX, sent us the Loan Modification showing XXXX as Noteholder and Investor XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX  ( account number XXXX ). This account was charged off. The first delinquency was prior to XX/XX/XXXX. I disputed this with the creditbureaus and Equifax left it on my file. Even the last activity date reads XX/XX/XXXX ... and though that does not represent the last payment date ( which was earlier ), it still falls within the credit bureau guidelines for using 6 years and 9 months for obsolescence periods.

I WANT THIS REMOVED AS PROVIDED IN FEDERAL LAW.
Product: Credit card or prepaid card

I received a Citi Aadvantage card. I paid the balance down every time I used the card through a XXXX business checking account. I racked up {$8000.00} charges. While my XXXX XXXX Bank Account was debited every time I paid the credit card, Citi closed my credit card abruptly. They said there was an error, being my account that I was paying from is a Savings account. However, I never paid from a savings account. I paid from a business checking account. I reached out to Citi and they said I would also not get the aadvantage airline miles in the quantity they promised. I told Citi they needed to give me my miles. I only got the card because they advertised a bonus for advantage miles on XXXX XXXX that I need to see my daughter. Citi reneged on its commitment, even after admitting the reason they closed the account was their mistake. Then, they tanked my credit from an 800 to less than 600 because they said I never paid. Citi scammed me and wrecked my credit, while lying about delivering points for expenditures.
Product: Credit card

XX/XX/year> I called and requested my card be cancelled and a new card be sent XX/XX/year> A charge was rightfully declined due to the card being inactive XX/XX/year> The same charge was allowed through even though the card was inactive I called the company and they told me to dispute the charges against the company who charged them. I did and that was declined. Now I want Best Egg to acknowledge that the charge never should have gone through at all.
Product: Credit reporting or other personal consumer reports

Hard inquiries are on my account that I didnt authorized or approve to be used by multiple companies. Ive asked for verification that Ive tried to complete these actions and they never provided that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second dispute and Looking over my credit report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : COLUMBUS FINANCE INC # XXXX, XXXX XXXX # XXXX