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

I have sent several disputes to XXXX, Experian, XXXX stating that an account was not mine and it was due to fraud. I showed proof that this fraud was done by an apartment complex and I showed proof of taking them to court to sue them over fraud. XXXX and Experian deleted it off my credit report but XXXX refuses to remove it. I even hired a credit repair company to dispute it and they still denied the dispute. I will like XXXX XXXX of {$270.00} removed from my credit report. Also on XXXX XXXX XXXX I sent all 3 credit bureau my accurate name and address along with social and employment and phone number. I asked that any inaccurate information on my credit report to be removed because I fear for future fraudulent activity. I am trying to correct my credit so I can be able to purchase a home in my near future. I sent letters to Experian, XXXX, XXXX. 
Experian still has inaccurate information on my credit report even after me showing proof. I also will like this inaccurate information removed. It has reached the 30 day mark for all corrections since the disputes.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

XXXX XXXX I XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I went to car dealership to purchase a car, I pulled my credit report from all XXXX bureaus ( XXXX, Equifax and XXXX ) XXXX credit score was over XXXX points lower than the other XXXX, Equifax credit score was over XXXX points lower on the dealership report than the report I pulled from their website on the same day, XXXX credit score did not reflect what was on the report the dealership pulled was XXXX points different the same day. A lawsuit needs to be filed against ALL XXXX credit bureau and XXXX XXXX. These companies are unfairly reporting information and miscalculating credit scores. My credit score on XX/XX/XXXX from Equifax was XXXX, XXXX XXXX and XXXX XXXX no activity until XX/XX/XXXX and ALL XXXX are under XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, U S DEPT OF ED/XXXX/XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 written instructions
Product: Credit reporting or other personal consumer reports

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


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

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

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


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two derogatory reports showing on my credit report under Transunion and I tried to contact them to correct it. I did it through their website and I opened an account which they required. Every time I tried to log in to their dispute, this is what I am getting this error message " We are experiencing technical difficulties ''. And what were showing on their URL link is this XXXX XXXX XXXX Transunion keep sending me an email to pay a yearly fee for my credit report. It seems to me that they will not allow me to dispute the claims online unless I pay them a yearly fee. Both of those derogatory remarks on my credit are settled and paid. 

XXXX - reported XX/XX/2018 XXXX - reported XX/XX/2018 My credit score is way down because of those two derogatory marks from Transunion, and I would like to request your assistance to get this clear. Transunion is not cooperating.
Product: Debt collection

XXXX XXXX XXXX caller knew my SSN and DOB some how and said I owed a bill to care credit and was getting served sued garnished. I called all three XXXX XXXX XXXX  and no such case exists XXXX, or anything against me. Nor do I owe any such debt. It was on my Credit report probably ten years ago and I disputed it and it was removed as I had never signed for any such thing. 

They attempted to scare me into paying and called me back twice over the past few months after being told not to call again and wont give me an address to send a cease and desist letter. I just got the name of the company today via research. 

I called back and a lady told me it was XXXX and XXXX XXXX out of California and New York. They violated the Fair Debt Practices Act when they threatened my wife with Garnishment and said I was a debtor. This is this third call in a few months. When I ask questions they hang up on me and I never get served papers as they threatened.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so | May review to see if this is actually an account that belongs to me Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX,/ presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. XXXX - XXXX # XXXX - {$710.00} - the account does not belong to me. 
XXXX. XXXX XXXX  - XXXX # XXXX - {$600.00} - the account does not belong to me. 
XXXX. XXXX - XXXX # XXXX - {$1100.00} - the account does not belong to me. 

INCORRECT CREDIT INQUIRIESI am disputing the following inquiries which I did not authorize:1. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX 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: Checking or savings account

I put money on atm and atm swallow half of my deposit and half it didnt. Im missing XXXX XXXX In total I put XXXX. And multiple calls and just promises it will be fixed in XXXX hours and money still wasnt deposited
Product: Money transfer, virtual currency, or money service

Paypal is constantly holding on to my money! I sold an item on XXXX and I can not withdraw funds. They keep holding on to it by saying we need more verification. Give us 4 to 5 business days. I submitted everything but theres no response! Please investigate. My money is being hold by them unavailable for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several requests via mail disputes for EXPERIAN to help me with this unverified/inaccurate reporting on my credit file. I am now coming here to submit an official compliant and hopefully this information will be updated/deleted from my EXPERIAN credit report. I am taking this very seriously and want these accounts to be fixed/removed. Pease see attachments. Fair Collections should be deleted from my credit report because of several inaccuracies/missing information with the reporting of this account such as date of last paid, balance, status, recent payment, high balance to name a few. Milestone should be deleted as there are inaccuracies in payment history being reported. XXXX  XXXX payment history should be updated as i have attached a letter from the furnisher and have tried to notify EXPERIAN with the letter to update my account but they have yet to fix it. There are several inaccuracies with an account called XXXX XXXX being reported on my credit file, including past due amount being reported on a collection account. This is a violation and I want this account deleted immediately. Thank you for your help Delete account Fair Collections Delete account XXXX XXXX Update account Credit XXXX Delete account XXXX  XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am writing this statement myself. The following collection and incorrect information should not be furnished on my consumer report as they are in violation under, 15 U.S. Code 1681-B permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the collection and incorrect information listed IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Please investigate why American Express XXXX XXXX has the right to withhold my money for two months despite my calling them five times, a total of XXXX hour and XXXX mins, over XXXX months. American Express XXXX XXXX is unable to explain to me why they can not lift the fraudulent alert from my account. 

On XX/XX/XXXX and XX/XX/XXXX, I received a {$7.00} and a {$400.00} American Express XXXX XXXX respectively as rewards for shopping through the XXXX shopping portal. These American Express XXXX XXXX work as a debit card for online purchases. Both cards stopped working shortly after XX/XX/XXXX. 

I started using the {$400.00} card from XX/XX/XXXX to XX/XX/XXXX for XXXX transactions. I have a balance of {$280.00}. 

I used the {$7.00} card once on XX/XX/XXXX. I have a balance of {$4.00}. 

Further transactions were declined for both cards. 

On XX/XX/XXXX, I contacted ( XXXX ) XXXX the number listed on the Virtual card. I was told my card had been XXXX due to fraudulent use. I listed my XXXX transactions : XXXX XXXX and XXXX XXXX XXXX XXXX ( international roaming plan ) transactions. I listed the XXXX transaction at XXXX XXXX, a bookstore, on the other card. None were fraudulent transactions. I asked for an explanation of what the fraud was but they could not tell me. I was told to wait for a resolution. I was given a XXXX ID XXXX. The phone call lasted XXXX min XXXX sec. 

On XX/XX/XXXX, I contacted the same number and was told to wait for a resolution. The phone call lasted XXXX min XXXX sec. 

On XX/XX/XXXX, I contacted the same number and was told to wait for a resolution within XXXX hours. The phone call lasted XXXX min XXXX sec. 

On XX/XX/XXXX, I contacted the same number and was told to wait for a resolution XXXX hours but to count XXXX hours as XXXX working day, or XXXX working days. The phone call lasted XXXX min XXXX sec. 

On XX/XX/XXXX, I contacted the same number and was told to wait for a resolution. The phone call lasted XXXX min XXXX sec. I called again asking to speak with the supervisor. The supervisor promised to resolve this in XXXX days. The phone call lasted XXXX min XXXX sec. 

While funds do not expire, a {$3.00} monthly fee will be assessed against the XXXX balance starting 12 months. I asked for a replacement card but was told this was not possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows numerous inaccuracies. Almost all accounts have information that doesn't match another agency. Names and addresses are incorrect. Accounts that have been paid in full are marked as collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the company accounts : CAPITAL ONE XXXX and CAPITAL ONE XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report
Product: Checking or savings account

I am filing a complaint due to capital ones failure to deposit by direct deposit from my employer
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I saw that my score is low. I have no idea why you put this information on my account. I believe someone used my personal information and applied for this.
Product: Consumer Loan

Reference Toyota Financial : Loan number XXXX question is, I have been paying extra on my car loan since we purchase the car in XXXX XXXX XXXX XXXX. The question I have is my payment is XXXX and my loan payment will be down to approximately XXXX because I have been paying around XXXX per month since about XXXX4 months ago. I talk to Toyota financial today XXXX XXXX/XXXX/XXXX ) and ask them the question of where does the extra money over and above what they credit the amount for example in XXXX they will credit XXXX out of a payment of XXXX and the answer is they carry that overpayment forward and I ask why do n't they apply some to the interest, and the CSR stated on we do n't have to so that leaves the question of why is n't the full amount applied and the interest payment credit because soon I will be in a plus stage of over payments on the car and evidently the extra ( my ) money is setting there accuring interest at Toyota Financial for every overpayment I am making. They also informed me that they could not take extra payments on interest, I would have to send them via mail to a XXXX, IA address because they handle the interest payment and I ask them for a print out of my payment history and they stated all we can do is mail a copy of the original loan agreement to me? The question remains, is the way they are doing there books correct or is it incorrect in terms of applying payment and interest, and letting the extra money set in there acct until eventually there will be enough accumulated to pay off the car ahead of time? Please advise and if you have any questions and do n't understand please email me at XXXXXXXXXXXX or call me and leave a message. Thanks.
Product: Debt collection

Back around XXXX of 2015, I checked my credit karma score and to my disbelief. MEDICAL BILLS OVER {$4000.00} dollars we in collections! My identity had been stolen a few months earlier as I 'm from Oklahoma. My ID, SS Card, Debit cards, everything had been stolen. I even have contacted the IRS on this matter and have gone as far as contacting the IRS because someone had also been claiming me as a dependent. I have tried to dispute this and they repeatedly keep shutting me down as this is accurate. I need this taken off of my credit report. It 's killing me!
Product: Debt collection

A few weeks back, Harris & Harris , LTD called me about a debt to XXXX XXXX, one I thought I was already paying through another agency. I asked for time to sort it out. Then, a woman named XXXX XXXX with Harris & Harris contacted my husband yesterday. He was met with hostility when he asked for her to talk to me instead. She even threatened legal action. 

Today, XX/XX/23, I contacted the hospital to clarify. They confirmed that I was paying XXXX for one of their accounts and a different one was placed with Harris & Harris but that they would pull it back and allow XXXX to continue handling. 

After speaking to XXXX XXXXXXXX, I informed XXXX XXXX with Harris & Harris, but he said that they would not be taking the account back. He was extremely condescending, implying I couldn't pay the debt. I didn't appreciate it, so I responded out of character. However, I checked with XXXX XXXXXXXX, and they confirmed the company doesn't have the power to sue. The threat they made to my husband was completely false.
Product: Debt collection

I found this on my credit report. I have received phone calls in regards to this account however I they have not given me any information either by phone or in writing in regards to the money they are requesting.   PORTFOLIO RECOVERY Opened  XXXX   XXXX ,    2016  {$1800.00} That is all the information I have.
Product: Credit reporting or other personal consumer reports

NOTE : CFBP did accidentally close CFBP complaint # XXXX citing it as a duplicate of CFBP complaint # XXXX and/or CFBP complaint # XXXX. When in-fact CFBP complaint # XXXX is a unique and NEW complaint regarding XXXX XXXX XXXX XXXX I am now opening this CFBP complaint ONLY because CFBP did wrongly close CFBP complaint # XXXX. DO NOT CLOSE THIS COMPLAINT FOR BEING A DUPLICATE, AS YOU WOULD THEN BE REMOVING MY POSSIBLE REMEDY FOR THIS NEW AND UNIQUE CFBP COMPLAINT. 

Approximately XXXX weeks ago I contacted XXXX XXXX XXXX XXXX that my consumers nonpublic personal information, as defined by 15 USC 6809 ( 4 ), is being illegally shared without my express consent, per 15 USC 6801 thru 6809 and 15 U.S. Code 1681b ( a ) ( 2 ), and am now expressly opting out of sharing any of my consumers nonpublic personal information with nonaffiliated third-parties, including, though not limited to the following : XXXX, Experian, XXXX, and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has yet to update my credit reports by removing/deleting the trade-line on XXXX, Experian, and XXXX. Additionally, I did notify XXXX XXXX XXXX XXXX of my revocation of my grant to it to retain my security interests and ability to transfer my security interests to anyone other than me, otherwise they are involved in securities fraud and this is reportable to the SEC for further investigation, however, I have not received any notice from them of my correspondence for their intent to follow my instructions.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Called a few times to get fixed tell me it takes 30 days but still haven't been fixed have accounts not updated and score keeps going down
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND PLOICE REPORT AS I WAS INSTRUCTED WHEN I WAS CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX  CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VOLATION TO THE FCRA LAWS. I WOULD LOVE FOR XXXX TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.