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

Equifax Credit Information Services , Inc. XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX RE : XXXX XXXX Report # XXXX XX/XX/XXXX, Dear Equifax , This letter is a THIRD request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : 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. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. the United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. XXXX ( XXXX XXXX. XXXX ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate item. XXXX  XXXX XXXX XXXX XXXX $ XXXXAlleged Debtor : XXXX XXXX I hereby request you to make the changes within 30 days to avoid any Violation of the FCRA. 
This Company has changed the dates of this debt multiple times and on multiple documents. I have filed a complaint with the National Credit Union Administration, and I will be filing a complaint with the California Attorney General. Finally, I have contacted an Attorney who is awaiting the outcome of this dispute.

Please send me a copy of the changed credit report at the earliest convenience. TRW Inc. v. Andrews, 534 U.S. 19 ; 122 S. Ct. 441 ; 151 L. Ed. 2d 339 ( 2001 ). - Under the Fair Credit Reporting Act, the statute of limitations generally begins on the date the liability arises, not when a party knows or has reason to know that he was injured. An exception occurs when the defendant " has materially and willfully misrepresented any information required under this title [ 15 USCS 1681 et seq. ] to be disclosed to an individual and the information so misrepresented is material to the establishment of the defendant 's liability to that individual under this title [ 15 USCS 1681 et seq. ] '' The statute of limitations runs for two years after the discovery of the misrepresentation. 15 USC 1681p Fair Credit Billing Act ( 15 U.S.C. 1601-1666 ) Its purpose is " to protect the consumer against inaccurate and unfair credit billing and credit card practices sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XXXX, 2013 Balance : {$0.00}
Product: Credit card

This is a formal complaint against Barclays Bank Delaware ( " Barclays ), XXXX XXXX and XXXX relating to a Barclays XXXX XXXX XXXX XXXX Master Card ( " Master Card '' ) for ( 1 ) failure to safeguard customer information due to a breach of security resulting in theft of airline miles ; ( 2 ) failure to respond and remedy complaints regarding the breach and theft ; and ( 3 ) failure to provide services paid by the customer. 
I am currently Barclay 's customer as I have a Barclays XXXX XXXX XXXX XXXX XXXX Card. I earn airline miles for an XXXX XXXX mileage program administered by XXXX through purchases and activity on my Master Card. I pay fees and interest to Barclays for this program and I have not received the services for which I paid. I have contacted all three entities on multiple occasions and have not received responses or a resolution to my concerns. 

Due to character limitations, see attachment for full description of complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is ONE inquiry on my XXXX report from MACYS dated XX/XX/20 that I do not recognize. Please remove off of my file. 

Inquiry : MACYS Date reported : XX/XX/20
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My account 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!

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 XXXX  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 XXXX  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: Mortgage

My ex husband and my sister XXXX  {$150000.00} at Bank of America in my name! Bank of refused to give give me the history how I was XXXX and XXXX and put in the XXXX XXXXl to wipe out my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint due to multiple unauthorized, inaccurate, and unfairly reported items on my credit report, which are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). These errors are severely impacting my creditworthiness and financial opportunities.

1. Unauthorized Hard Inquiries The following hard inquiries were made on my credit report without my consent or a permissible purpose under 15 U.S. Code 1681b, negatively affecting my credit score : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX These inquiries should be removed immediately, as they do not comply with the legal requirements for permissible purposes. 
2. Inaccurate Collection Account A collection account has appeared on my credit report without my authorization or consent. Under 15 U.S. Code 1681s-2 ( a ), data furnishers must ensure the accuracy of the information they report. The following account must be removed : XXXX XXXX XXXX ( Account : XXXX ) Reported on XX/XX/XXXX Balance : {$1800.00} 3. Closed Account with Unfair Late Payment Marks The following closed account contains late payment marks that unfairly harm my credit profile and do not meet reporting standards under 15 U.S. Code 1681b and 1681c : XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX These late payment marks must be removed to ensure compliance with federal law and fair reporting standards. 
4. Experians Inaccurate and Unfair Reporting Practices Experian is incorrectly reporting the following inaccuracies, which violate both the FCRA and TILA : Late Payments on Mortgage Account : My credit report reflects late payments for XXXX, XXXX, and XX/XX/XXXX on my mortgage with XXXX XXXX XXXX ( Account : XXXX ). However, billing statements were not provided at least 21 days before the due date, violating 15 U.S. Code 1666b.

Impossible Credit Utilization Rate : My report displays an inaccurate credit utilization of 415 %, which is a mathematical error and a clear violation of 15 U.S. Code 1681e ( b ) ( Maximum Possible Accuracy Rule ).

These inaccuracies have significantly harmed my credit score and have limited my ability to secure fair financing. I have already disputed these errors with Experian, yet no corrective action has been taken. 
Request for Immediate Investigation and Correction I request the immediate investigation and removal of these inaccurate items from my credit report. These errors violate federal law, and their continued presence is unjustly damaging my credit profile. Attached, I have included supporting documentation, including my FTC identity theft report, to substantiate my claims. 
I trust that the Consumer Financial Protection Bureau ( CFPB ) will intervene to ensure that these violations are promptly addressed and that Experian, as well as the involved data furnishers, comply with the FCRA and TILA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/year> I received {$2000.00} charge from my Bank of America account. 
The company name is XXXX XXXX. 
I never authorized this transaction. Pls need check and refund my money back.
Product: Credit reporting or other personal consumer reports

HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Equifax was alerted of a security breach in XXXX XXXX, 2017 and failed to notify the affected parties for over a month. I have just learned my information has been compromised today. 
I have been trying to get my free annual credit reports, but Equifax 's servers are down. 

I have started the arduous process of not only securing my accounts and information, but helping other members of my family who are also victims of this breach. This all comes at a great cost of our personal time and money. Someone even charged {$180.00} worth of liquor to my credit card, even though I do not drink any alcohol, and that 's only what I have uncovered so far.
Product: Vehicle loan or lease

i have been fooled by a shady financial institution, and they dont stop calling me, they are a financial institution that loaned my car and when i halted my payments, they towed my car, i have been paying my car for one year on a wrong social security number, that s why i stopped paying, but they were not correcting it even though i sent them the necessary documents such as copies of my ssn card and passport and my XXXX XXXX XXXX Card. i spent on lawyer to help me but they also gave him a hard time till he had to tell this company that he was going to call the police, i spent {$1200.00} on lawyer s fee and when they corrected it, i was reinbursing it but they said they do not do such reinbursement and they have told me that they already pulled my car, my concern is as follows : 1. if i applied for a bank loan or a job, can i put my name with a different social security number? it will not match or it will come out an error, right? 2. why didnt they want to correct it? 3. how did they manuever in having my name in a false ssn? 4. they run my correct ssn when i applied for the auto loan, so indeed they had the correct social security number, why did they input a different number? 5. this is a fraud transaction 6. they falsely destroyed my credit profile, 7. every single payment i made monthly, they never emailed or send in the mail an official receipt. 8.since this is a fraud transaction, i demand them to return all my car payments, including my downpayment and my lawyer 's fee. 9.they have a judgement conviction in New York with the Dept of Consumber Affairs handled by Ms. XXXX XXXX and XXXX XXXX , https :  XXXX, just wondering why no one can help me in this matter? i have filed complaints with XXXX, Dept of Social Affairs and Consumber Report to the FTC i will appreciate if i can be heard on this matter, i have tried so hard to communicate with the different government agencies for help including Dept of Social Oversight and this has been ongoing for 2 years now! please help me..
Product: Student loan

My student loans have never been late and they are reporting as late. It is in accurate reporting.
Product: Credit reporting

There has been a house bought in my name and now in foreclosing, car rentals, and many other activities
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to get my credit score up and TransUnion is making it very difficult. Account number XXXX, for XXXX XXXX XXXX XXXX XXXX have been paid off in full. The property attached with that account is XXXX XXXX XXXX XXXX TN XXXX. 

I have a new address and a new account number. If only TransUnion would actually investigate this matter, they see the change. In XXXX I pulled my bankruptcy records to learn that someone created a EIN number on me, used my personal information as though I have a business. The case number is XXXX. I'm not sure what the name of the company was. 

Also in XXXX I went to XXXX XXXX XXXX to open an account. I was asked if I ever had a business. To learn another EIN was created using my personal information. My name was used as XXXX XXXX and my late father name was used as XXXX XXXX The number was created in XXXX. 

I've reported this information to the courts, IRS, banks and FTC. I'm working close with IRS. The courts told me the case needs to be reopened. I mailed you a copy on my new utility bill, including my new address. 

You have medical bills on my report that don't belong to me. 
XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Kohls Department store credit card reported that I filed Bankruptcy to XXXX. I did not file bankruptcy. I have contacted Kohls and was assured by the office of the president that the matter is resolved by a forced reset that would take 24 to 48 hours almost 2 weeks ago. I contacted XXXX yesterday and the claim that they have heard absolutely nothing from Kohls and that the bankruptcy report stands. 

My credit score has dropped by 70 points. I had intended to qualify for a home loan this month. The whole matter came from a pair of {$30.00} shoes that were purchased on black friday. I had signed up for a paperless text message billing notification. I received no billing notification by text, mail, or phone until a phone call on XX/XX/XXXX at which time I paid the bill in full including almost {$100.00} extra in late fees. Later that day I phoned Kohls and my account was credited {$30.00} for some of the late fees since I was not notified of the bill and I am never late with a payment. The next day my credit report showed a bankruptcy. 

This report is entirely inaccurate and is damaging my family well being. I have spent hours on the phone with both Kohls and XX/XX/XXXX. I have documentation of the credit report. I can supply images of text verification of the paperless billing confirmation and the subsequent lack of any notification via phone records.
Product: Mortgage

On XX/XX/XXXX I was told my mortgage payment was late via my phone. I reviewed my bank account and found out the mortgage payment went to a regions credit card vs the mortgage. I called later to inform. I was transferred to the credit card department. I informed them the situation, they said they put in a request, and it will be 48 hours. I waited 4 business days and it showed it was not done. I called again and was told there was a duplicate request in. But no time table was given. I was called later that week and told my mortgage payment was late. I told them the situation and asked what do they need from me. I was given an emal XXXX. I sent what information I have and I asked to be kept informed. I talked with someone named XXXX who was the team lead. No time table was was given. I paid my XXXX payment on XX/XX/XXXX, to avoid credit action. This week I walked into my local branch. They told me the only way to get this done was to do a cash advance and pay the mortgage. Fine. It worked. However today I am showing that the credit card payment was reversed ( I never review a refund ) and now my mortgage is late again even though I have made a payment XX/XX/XXXX and with the cash advance on XXXX. Still no explanation. So I am out {$1800.00} and my mortgage is showing late
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 FRAUD yet I have items passed on that should be taken out or blocked. 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 XX/XX/XXXX INMATE XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

IN ERROR ON MY PART ... MY {$35.00} MINIMUM PAYMENT WAS NOT PAID ON DUE DATE XXXX/XXXX/15. THE COMPANY E-MAILED ME THAT MY MINIMUM PAYMENT FOR XXXX/XXXX/15 WOULD BE {$100.00}. I CALLED THE COMPANY EXPLAINED..I SEE THAT I DID NOT PAY ON THE XXXX/XXXX/15 WAS AN OVERSIGHT ON MY PART ... I PAY ON TIME EACH AND EVERY MONTH. THE COMPANY INFORMED ME THAT THERE IS {$35.00} LATE FEE FOR NOT PAYING ON XXXX/XXXX/15 BUT THEY WOULD WAIVE THE MINIMUM PAYMENT {$35.00} LATE FEE BUT MY MINIMUM PAYMENT WOULD INCREASE TO {$70.00} DUE TO MY OVERSIGHT. payment was paid today XXXX/XXXX/15. 
This seems an unfair practice and trickery to me. 
I would like to ask can these companies make up rules as they go along. I am XXXX years old and made an error. 
T his is unfair to a loyal and faithful customer who erred and paid 9 days late. 
When I make a minimum payment of {$35.00} the interest charges were $ XXXXit appears that the interest charges are enough to compensate for any error for late payment.
Product: Credit reporting

I just seen that someone tryed to open a credit card at XXXX in my maiden name and married name.I do have a alert i think on my credit report i am trying to rebuild my credit.I had lost my purse about 7 mos ago with all my pesonal info in my wallet.Hope you can help becouse this is brong my credit score down every time this happens Thank You very much XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent Lexis Nexis a method of verification letter for a erroneously reporting Bankruptcy on my Lexis Nexis file, which has been confirmed was received on the morning of XX/XX/2019. Per FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
I have disputed the accuracy of this item on multiple occasions. I have asked Lexis Nexis to verify this information with the furnisher or original creditor on multiple occasions. Lexis Nexis has stated its been verified previously but when I contacted the U.S Bankruptcy Court XXXX XXXX XXXX XXXX  to find out how this erroneous item got reported on my credit report, they informed me that they DO NOT SHARE ANY KIND OF INFORMATION WITH CREDIT BUREAUS OR THIRD PARTIES. So, Lexis Nexis did not and has not complied with the FCRA rules of verification. Furthermore and most important they have not complied with the FCRA rule stated above and provided me with the method of verification within the time frame allotted. Therefore this item needs to be immediately deleted and confirmation of its deletion sent to me within 15 days. At the time of submitting this complaint I haven't received any communication concerning this from Lexis Nexis. Please insure my rights are protected from any further harm this has already caused me. Thank you
Product: Credit reporting or other personal consumer reports

I've reviewed my credit report and noticed several billing inaccuracies. These late payments don't reflect my typical payment pattern. Please update my account to correct these issues.
Product: Money transfer, virtual currency, or money service

Well my boyfriend said he saw money that I supposedly transferred from his account to mine says my phone is linked to his some how idk what to do about it I need to figure it out he said NetSpend, XXXX XXXX, because there is a glitch or something with NetSpend because I get a card once a week.no joke .he thinks it is me scamming XXXX somehow unless my phone is hacked or something but my identity was stolen twice I know of
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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