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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX  Please update- All New Reporting Information to- paid as agreed and current 2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XXXX Please remove it from my credit report.
Product: Mortgage

My original unpaid principal balance is {$150000.00} but my current unpaid principal balance is {$150000.00}. My loan is current and i have never missed a payment i dont understand how my balance could be going up unless i have a negatively amortizing loan which i do not. I have a FHA loan with a fixed rate of 4.2 %. The servicer is pennymac and the loan number is XXXX and they have been non responsive to my inquiries on this. I am very concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. 
I hope all is well. 
Please note that I have been trying to verify and validate the accounts listed on my credit report since XX/XX/2022. 
There is no information about the creditor, yet it is still being reported monthly to my report. 
These XXXX medical accounts are being reported to Equifax and XXXX only and are set to fall off next year. 
I've had full XXXX coverage for the last XXXX years and checked to see if anything is owed since this charge has been on my report. There is nothing that is owed to any medical establishment/hospital. These bills are so low ( {$100.00} and {$270.00} ). See attached, it would make sense to just pay them but again there is no information on the creditor. Can this please be removed from XXXX and Equifax. 
Thank you and have a wonderful day. 
XXXX XXXX XXXX
Product: Debt collection

This company called my cell at dinner time asking if i knew how to contact a random person. They did not introduce themselves as the company they were calling from nor did they say that it was an attempt to collect a debt. They said the calls were recorded and asked if if I was myself and I responded yes. I was asked to give them my name again and then he immediately asked for a phone number so that they could reach this other person. When i tried asking who he was he did not want to give me any details about the company or why he was calling. I called back several times to try and get a different agent on the phone to find out more, as it seemed like a scam, but each time the call connected to the same guy. When i called again to ask how he could have possibly gotten my information, the guy says it was public information that I was married to this person. I have never been married in my life. I told them to stop calling people who did not offer their contact information to avoid this creepy situation and he says he can call anybody he wants to. He also stated he had 2 other ladies to call with my same name to try to track down this other person. Unfortunately, wont know thats the reason until its too late Im sure. The technique of collecting peoples information from other people in order to collect a debt does not seem moral.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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! 


XXXX5 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. 


EQUIFAX 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! 


Update the late payments from my consumer reports
Product: Checking or savings account

XX/XX/2019 notified my BB & T branch in person i was traveling and would be leaving a post dated check for my house sitter. Check dated Monday XX/XX/XXXX. 
Check was presented and cashed on XX/XX/XXXX, causing an over draft. The bank charged me XXXX $ for this and i have been trying to resolve this since XX/XX/XXXX. I called XX/XX/XXXX and the rep said they would send a request to have it refunded. i called back a week later and the rep transferred me, that rep hung up on me transferring me back to a customer service line. i called again a few days later and spoke to a supervisor who told me they would review these calls and get back with me. they did not, i called two more times and again this past week. each time all i get is " we'll review it and call you back '' no one has called me back, i reached out to the office of the President, logged a complaint there as well, and still no call back. I will be leaving BB & T if i can not get the fee refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I wrote the US Department of Education concerning my credit report. As evidenced by the return envelopes the post office returned the mail and stated " No Such Address ''. I then examined all 3 credit bureau reports and they all have different addresses as evidenced by the information that I attached from XXXX, Experian, and XXXX  ( that are circled ). The creditor is responsible for reporting accurate information on my credit report. Also, I wasted money on postage as evidenced by these envelopes to only be returned. I am asking that all these accounts be DELETED because of inaccuracy.
Product: Debt collection

Hello, I have a XXXX XXXX credit card and they charged me for something I never allowed and do not recognize. 
I mentioned it to them and they said that it was a mistake from them and they will fix it. 
I went to the XXXX XXXX store and spoke to a customer representative and they confirmed that the charge is wiped off. 
To my surprise, I received a debt collection notice with the UCB Reference Number XXXX XXXX 
I can share any documentation if needed to support my position since I have sent several emails to XXXX XXXX.
Product: Debt collection

I had a month to month membership with XXXX XXXX  I stopped going to the gym but they still try to get payment out of my account. Then, they sent me to collection for services I didn't use. 
Please, show evidence that I was checking in to the gym for the dates you are trying to charge me for. If you can not provide evidence, please delete this from the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these accounts for a while with no success, I did not open these accounts and did not receive any mo-notary gains nor services. 

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

The following inquires I have absolutely any knowledge of, ( 1 ) XXXX   Card XXXX, ( 2 ) XXXX XXXX , ( 3 ) XXXX XXXX
Product: Credit reporting

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion , LLC XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX National Credit Card Cos. 
XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financin Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
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 in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts 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 : {$1000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$610.00}
Product: Credit reporting or other personal consumer reports

I am concerned about fraud on my Experian Credit Report as the following should not be listed : Name variations that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are 6 incorrect addresses that should not be on my report .... 
XXXX XXXX XXXX XXXX, XXXX MO XXXX XXXX XXXX XXXX, XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX MO XXXX XXXX XXXX XXXX, XXXX MO XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX MO XXXX And there are 3 employers that are not correct and should not be on my report .... 
United States Postal Se USPS US Postal Service
Product: Payday loan, title loan, or personal loan

XX/XX/2018 - ( I am behind one payment ) Today, I received 3 calls from the California Check Cashing, XXXX XXXX in XXXX XXXX, CA, today. Each time XXXX calls my work number she will ask me do disclose the last four of my Social Security Number ( SSN ). I have no privacy in my office and I work around XXXX. I refuse to provide my personal information to anyone at any time in this environment. When I am asked for the last four of my SSN, I kindly say, " No. '' She says to me that she will call me back. She does not ask me if this is an okay number to call. 

Since I share my office with a co-worker and there are often XXXX in my work area, the telephone call to my work makes for a very uncomfortable and unsafe situation. 

I called ( XXXX ) XXXX, the California Check Cashing and spoke with XXXX and explained my non-private situation to her and told her that the staff at California Check Cashing are making this debt collection very, very uncomfortable and very unsafe for me when they call my work number. When XXXX calls, she will identify herself and she will continue to ask for the last four of my SSN. I work in a XXXX, I refuse to provide my last four of my SSN out loud. I am NOT in a place to disclose my personal information or my personal business. 
When I called, I shared with XXXX that since they are not willing to comply with my request, I will be filing a complaint. XXXX told me to do what I have to do and they will not stop the calls to my work until I make a payment. 
I informed XXXX that in the XXXX environment it is considered contraband for me to bring in a cell phone, so I am unable to pick up calls from my cell phone during my work hours. After work, I am on a 1.5-2 hour commute. 

I asked XXXX for the manager 's ( XXXX ) last name so I could provide last names to add to my complaint ; XXXX refused to provide a last name and told me that she is unable to provide XXXX 's last name. Gee, it sounds like my situation to remain anonymous as much as possible ; I would think that XXXX and XXXX would understand my situation You are welcome to contact me for additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the bureaus well over 30 days on XX/XX/2021 to be exact. I have not received any information on the investigation as these items are still reporting and it's stopping me from moving forward as I have no knowledge of these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of a DISCOVERBANK account ( Account Number : XXXX ) on my TransUnion credit report. The account contains numerous late payment entries that are completely inaccurate. I have always paid this account on time, and these reported late payments are false.

This incorrect reporting violates my rights under 15 U.S. Code 1681a ( 2 ) ( xi ), which mandates accurate and verifiable reporting, as well as 15 U.S. Code 1666 ( b ) and 12 CFR 1026.13, which require timely investigation and correction of billing and reporting errors.

Despite submitting a dispute to TransUnion, they have failed to correct the late payment inaccuracies or provide evidence verifying the accuracy of this information. This false reporting is damaging to my credit profile and misrepresents my financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This company iscurrently showing late ( XX/XX/2020 ). I have read enough to understand my rights. You areattempting to violate this clear understanding. Investigate and update the current status toreflect accurately. 

( UNITED WHSLE MORT XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to the credit bureau regarding the inaccurate information that is appearing on my credit report as a result of my identity being stolen. Ive reach out to XXXX XXXX & Transunion and my complaints fell on def ears. The following accounts are a result of my identity being compromised. I never given anyone permission to use my name and social for anything. 

1. XXXX XXXX {$310.00} 2. XXXX XXXX {$440.00} 3. XXXX XXXX {$600.00} 4.XXXX XXXX {$990.00} 5.XXXX & XXXX {$830.00} 6 . XXXX XXXX {$720.00} 7XXXX XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Upon reviewing my credit report I mailed  a 609 let ter on  XXXX   XXXX ,  2017 by  certified mail in order to remove an account that is on my account due to fraudulent activity. On  XXXX   XXXX ,  2017 i i ssued a fraud alert on my credit report so that this could not happen again. I have not heard back from experian and would like this account to be deleted from my report.
Product: Credit card or prepaid card

I'm filing this complaint against capital one for high interest charges that are affecting me of keeping my balance down and keeping my account current every time a make a payment to capital one to try to pay my balance down and keep my account current I'm hit with high interest charges as well as cash advance charges upon when I first opened this account I was never charged for interest and when I read my agreements for this account I don't remember it seeing anything regarding high interest charges every since of XX/XX/2022 I have been charged interest to my account I have spoken with capital one regarding this matter letting them know I can not pay my bill plus high interest charges been billed to my account every time I have a available credit it is taken away from me due to over high interest charges which is unfair to me since I am fighting to keep up with my balance it is becoming a unfair business practice because instead of me paying my bill down I'm just paying interest charges instead and it's not going toward my intial balance I can not pay both only one I'm asking for a billing adjustment from capital one of these high interest charges and reversal of interest charges on my account I'm now over my balance on my account due to overly high interest charges and now I'm having a issue of being issued out a new card due to being over my balance from interest charges a resolution is needed for me to be able to bring my balance down and keeping my account current
Product: Payday loan, title loan, or personal loan

1. Please see attachments XXXX, XX/XX/2022. 
Had not heard from Chase 's XXXX XXXX over the XXXX XXXX XXXX that oversees the alleged {$30.00} billion Chase purported publicly to give to disadvantaged communities since CFPB had him phone me XX/XX/2022. Received his voice mail on XX/XX/XXXX and XXXX. As I was preparing to amend my prior complaint to CFPB on this Chase matter, XXXX XXXX XXXX returned my call. Apologized for having had not gotten back to me in nearly two months. He basically said they ( he and his team ) were unfamiliar on how to disburse the said funding despite XXXX XXXX into the XXXX XXXX funding period ; said that a few cities had received funding and I asked names. Reluctantly he said XXXX and XXXX. XXXX XXXX XXXX  said a large affordable housing project had received funding in XXXX but he hinted I would have to file FOIA to obtain from city of XXXX. I reminded him of our disadvantaged XXXX XXXX XXXX 's XXXX need for affordable housing, small business development, youth center construction and historic preservation, and that during our XX/XX/2022 conversation he had assured me we would receive funding from Chase. Now he's clueless but managed to fund entities in XXXX that really do not serve the disadvantaged but focuses on homeownership. In addition, XXXX XXXX XXXX  said Chase 's products must be made to accommodate the disadvantaged and that he could not give me any timetable on when we would receive funding. Chase 's priority is homeownership rather than affordable rental housing he said, XXXX XXXX XXXX  ' rhetoric was the standard we receive when an entity is lying about helping us. They tell CFPB what it wants to hear but does nothing to honor its stated commitment to help us. XXXX XXXX XXXX only clarified his position when I had asked to speak to the head person in Chase 's executive office. He merely said they would send me back to him. I thanked him and closed our talk. 
I then contacted Chase 's executive office and the intake person XXXX was clueless. All she offered was directing me to the Inspector General. 
Please add my previous complaint on this matter also. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.XXXX {$110.00} XXXX {$97.00} XXXX {$100.00} XXXX {$390.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( NAVIENT ACCT # XXXX SSN XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clarify states that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.