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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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. XXXXXXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I was being stalked by the finance Mgr., I would not agree to go out, so he made my life a living XXXX! I returned my car because it was a lemon. 
It has been close to 8 years, and mark one is still reporting every month as if i have a recent repo? it was n't a repo, it was a voluntary surrender. 
MARK ONE is a big RIP OFF!!!
Product: Debt collection

Back in XXXX I had a bill turned over to Wakefield and Associates from XXXX XXXX ( XXXX XXXX  ) I had explained to Wakefield In XXXX when I realized it was on my credit report that I had put in an application for financial assistance and it needed to be removed from my credit report. Nothing was ever done about it. I then reported them to my credit reporting agency. When I called on Friday to pay some of my other bills they had sent this bill to their Attorney for suit. I told them this bill was to be put on hold until my application for financial support had been reviewed at XXXX XXXX and I had spoken to them and they were really far behind. That it wasnt my fault they were behind, the bill would be part of that application and I wasnt paying any of it until I saw what happened, I simply didnt have the money. I was told they didnt care if it was waiting for that or not after being on hold for so many months it would go to the attorneys office. I told the gentleman that was fine I would get an attorney and he sId that was fine we would just let it lie then. XXXX XXXX had told me when I spoke to them that nothing would happen with this bill until my financial aid application was completed. Wakefield took it upon themselves to send it to an attorney. It simply isnt their right to collect on a debt that has been put on hold by their creditor nor is it their right to put it on my credit report but they have. 
I had a nervous breakdown in XXXX and a much more serious one in XXXX due to my XXXX and our financial situation associated with it, these bills they currently have are part of that. I have been paying them what I can when I can. My family barely has food because I use this money to pay my debtors.
Product: Credit reporting or other personal consumer reports

The duty pursuant to the FCRA, is EQUIFAX 's to report and file, however they are NOT. EQUIFAX is reporting 1 inaccurate late payment for XXXX account ending in XXXX. This includes a XXXX  day late payment posted on XX/XX/year>. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. section 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a " transaction '' within this code. 

With that being said, EQUIFAX 's inaccurate reporting of late payments results in them violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written permission or instruction to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA ad the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 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 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXXXXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CONSUMER XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Product: Credit reporting

On XXXX/XXXX/XXXX, I received a report from XXXX XXXX about information on my credit report. The information was obtained by CoreLogic Credco. They listed a judgement on my credit report that is incorrect. On top of that, they received the information via telephone and took that information as truth. The judgement was from XXXX in XXXX. This information is not accurate and when I questioned them about it, they said it was listed on my XXXX credit report. This is a flat out lie. They admit that the information was verified on the phone, and could not be proved otherwise. I explained that important information like that can not be verified as truth over the telephone. I told them that according to the law, that if they can not confirm all the information as truth, they would have to delete it. All I got was the runaround. I would like to seek damages since my mortgage application will now be denied because of their false information. Additionally, the judgement is older than 5 years, so it is no longer collectible.
Product: Credit reporting or other personal consumer reports

The creditors and credit bureaus are causing financial hardship due to improper use of my credit report. Per the FCRA, as a federally protected consumer. I am contacting you for the violation of 15 U.S. Code & 1666B - 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. Also under 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also according to 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In conjunction with 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services of any collection agencies. Also, Reporting Transaction history is also illegal according to 15 U.S. Code 1681a. All data must be furnished correctly. To enforce my rights, I request Under 15 U.S. Code 6805 Enforce.
Product: Student loan

I was told by Navient that I needed to consolidate my loans and go on forbearance during that process. I was not sure if this was the correct answers and since have been working directly with the Federal Student loan department and now feel that I am finally on the right track to help my family get out from under this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I have received your computer-generated letter stating that, it did not appear that I or a properly authorized third party sent in my letter asking for a re-investigation and demanded that you provide actual proof of the information that was used to verify and the accounts on my consumer report. And that, in your opinion, you believe that I have used a third-party credit repair agency/ credit clinic . 

Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure 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. 

You were advised by me on, XX/XX/2023, by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by menot a third-party agency. 

Please be advised that TODAY, XX/XX/2023, makes the 15th calendar day from when you received my request, and BY LAW, you were supposed to provide, to me, as the consumer, THE DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION. 

You have now, in fact, VIOLATED the law and MY RIGHTS as a consumer. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation.
Product: Credit reporting or other personal consumer reports

I have been having a few phone calls with the credit bureaus. They have tried to help me between disputes and getting my credit report. I am the victim of identity theft. This has been very straining. I have been working with the credit bureaus. I have no idea where to turn for help. I think it needs to be more intense than just what the credit bureaus can do. I have had a credit report security freeze in place for the last three years. For example, Chex Systems and XXXX reports don't match. I do not have any checking accounts at all, but under inquiries viewable only by me, it shows XXXX XXXX, but I have not had a XXXX XXXX account in more than 15 years. Whoever has that old account access and that old XXXX account may be trying to use my identity. I can provide them with all of my previous emails if requested i will work with cfpb and XXXX XXXX and XXXX and XXXX directly i will also work with check systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXXhe following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX, XXXX
Product: Credit card or prepaid card

I opened my account with synchrony bank for a tjx rewards card in XXXX. This account offers rewards for purchases. I have used my card for purchases which most times I immediately pay off resulting in no finance charges, only rewards. A few months after opening the account I received a letter my credit limit has been reduced to {$100.00} due to negative history on my credit report. Went in the store today XX/XX/XXXX and card was declined. Logged on to my account to see I had an amount of XXXX available. I called the company who read me a letter stating my account had been closed onXX/XX/XXXX due to negative information on my XXXX XXXX report. This will negatively impact my credit score. This company is fraudulent. I have to think they closed the account due to the fact I was incurring no interest charges but earning rewards. My credit limit should have never been reduced nor my account closed.
Product: Debt collection

XXXX XXXX. 

Today ( XXXX ) I received a letter from a company called Revenue Group. 

The letter claimed they have been trying to reach me about an outstanding debt owed to XXXX XXXX XXXX XXXX. 

I have not received any calls from Revenue Group let alone from XXXX XXXX XXXX XXXX. None, not one. 

There was also no date of service on said collection letter. As I have not been to XXXX XXXX XXXX XXXX in quite sometime, this lends to the seriousness of my complaint. 

Outside of this letter there has been absolutely no contact attempt from Revenue Group or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also numerous complaints about this company on XXXX.
Product: Debt collection

XXXX XXXXXXXX XXXX sold the debt to Amercollect collection company. I never received. The 1099 C form XXXX nor Amercollect. Please provide the 1099C or delete from credit report.
Product: Credit card

This claim involves a moving company going by the name XXXX XXXX XXXX in XXXX, XXXX area of XXXX. While I admit initiating business with this merchant and paying a {$100.00} deposit fee on Capital One Card, that was the entire scope of business with this merchant on my Capital One account, even though I was later fraudulently charged. I accidentally disputed the for the wrong amount, the true amount is {$0.00} as the payment had been received via my XXXX XXXX XXXX in the amount of {$820.00}. 

In addition that Merchant did engage in the following : WAS FALSELY CHARGED A TOTAL OF {$370.00} FOR " GAS AND TRAVEL SURCHARGES '' AND THAT I DID NOT APPROVE OR AUTHORIZE FOR A MOVE THAT WAS LESS THAN HALF A MILE AWAY. 

MY SIGNATURE DOES NOT MATCH ON THE CONTRACT. THE ONLY THING THAT I AGREED TO WAS A VERBAL COMMITMENT TO AN HOURLY RATE OF {$250.00} FOR 3 MEN, THEY SENT 4 MEN AND CHARGED FOR AN HOUR AND A HALF FOR A JOB THAT TOOK AN HOUR TO COMPLETE., AND CHARGE NORTH OF {$440.00} FOR NEBULOUS CHARGES, THEY ALSO STOLE OR LEFT BEHIMND MY {$300.00} MINI FRIDGE AND DAMAGED SOME OF MY BELONGING. I WITNESSED/ EYE WITNESS THEM THROW AND MISHANDLE MY PERSONAL PROPERTY RIGHT IN FRONT OF ME -- -VERY WILD!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XX/XX/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 XXXXXX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XX/XX/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

I have never done business with Navient. Further, Navient can not provide original documentation proving that I ever did business with them ; therefore, their claims are invalid. They continue reporting to the credit reporting agencies monthly that I have missed payments ; however, I have NEVER done business with them. 

I have reported this to the Consumer Finance Protection Bureau, but the CFPB has done absolutely nothing. 

I have also reported XXXX XXXX XXXX. XXXX is now closed ; I quit attending classes there when I realized that they were a scam. They generated loans without disclosing the amounts to me and lied to me to attempt to keep me as a student. I reported their crimes to the CFPB and the CFPB has done nothing. 

It has been a long time since I reported EVERYTHING to the CFPB IN FULL DETAIL and have yet to hear anything back. 

I have researched the CFPB and have concluded that the CFPB does absolutely nothing and is a waste of taxpayer 's money. 

Until you show me results, I will have to believe that you guys sit around and do absolutely nothing. 

After all - numerous consumers already state that that's what you do. Further, you have done absolutely nothing to help me. 

I want the CFPB to be audited and to also FINALLY take the initiative and time to assign an investigator to my claims against both Navient AND XXXX XXXX XXXX. 

You say that it's your job to enforce rules to keep financial companies operating fairly. When are you going to actually do your job?
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and I have a FTC Affidavit that Ive submitted to the Equifax but theyve refused to remove the fraudulent accounts. 
I have no knowledge of the accounts and requested the bureaus provide me with information regarding their decision and they are violating my consumer rights by refusing to provide me with proof. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely CORRECTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a debt showed up on my credit report as " in collections ''. The debt collector who listed it is Sequium and it is in the amount of {$210.00}. It also has " XXXX XXXX XXXX '' as the original creditor. I have not had an account with XXXX since 2015, and that account was paid in full and the equipment was returned. I have emailed Sequium twice. I have also sent them messages through their website twice, but have not received any response. In addition, I initiated a dispute with XXXX  through XXXX XXXX. I looked into this company ( Sequium ) on the XXXX XXXX XXXX  and they have 557 complaints filed against them. This entire situation is incredibly upsetting, especially since we are trying to refinance our mortgage ( which is how this fraudulent collection listed my credit report came to my attention ). I hope someone can help ... .thank you!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report INQUIRIES : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Money transfer, virtual currency, or money service

welcome I have an account with PayPal for about a year. I have been working hard with it. I have not violated any of the company 's policies, but a temporary restriction was made on my account and they asked me for documents to prove identity and information about my work, but I was surprised that my account was closed for no reason with an amount of XXXX dollars