23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a statement from Comenity Bank/XXXX  with a late fee of {$23.00} for a purchase of {$21.00} back in XXXX. My payment of {$21.00} was sent to Comenity Bank on time and my card was paid in full! I called and talked with numerous customer services representatives, and explained that I had paid the bill, it was sent on time, gave them the check number, explained that my bank statement was showing the check had been cleared, and looked on my copy of check to insure I had put correct account number on it. This was not enough, they wanted a copy of the check front and back from my bank. So, I called my bank and asked if they could get me a copy of my check. Apparently, someone at Comenity Bank ran it through as a debit and not a check ; therefore, my bank did not have a copy of the check. I tried explaining this to Comentiy. they continue to say I did not send the check. At that point, I wrote them a letter, and sent a copy the part of my bank statement that showed where the payment had been made and cleared. Still not good enough for them. Comentiy Bank sent me another letter implying, I did not put correct number on check, not true! My carbon copy clearly shows correct number, and I have already shared that with a customer service supervisor representative. Currently, I am in the process of sending them a copy of my carbon copy, so they can see I did have the correct account number on my check. I am not sure what else I can do, other than pay 3 times what my item cost me. Once I get this cleared, I will never wall in the doors of XXXX or do business with Comentiy Bank again. Normally, I pay my bill in full, and pay on time. There is only one incident that I did not pay the full amount, I looked at wrong section and only paid minimum amount. I did not dispute interest because it was my fault! The bill was still paid on time, I just had to pay interest on remaining balance. What can I do? I have excellent credit and do not want this bank to ruin my credit. I also do not want to pay over {$60.00} for a {$21.00} purchase.
Product: Credit card or prepaid card

A Discover Bank # XXXX in the amount {$7600.00} reflects on my credit report that is fraudulent. I never obtained credit from Discover nor have I applied for credit with this company. I have contacted Discover and XX/XX/XXXX about this matter and they have continued to give me the same frivolous response by continuing to report false information. I've provide them with all the proper information to resolve and to correct this issue.
Product: Credit reporting or other personal consumer reports

I request the removal of a bankruptcy from your credit report due to identity theft or a data breach under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-605B. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX, XXXX XXXX and TransUnion Subject : Request for Removal of Bankruptcy Information Under FCRA 15 U.S.C . 1681c-605B Dear XXXX, XXXX, and TransUnion I am writing to formally dispute the bankruptcy information listed on my credit report associated with XXXX filed in XXXX XXXXXXXX XXXX XXXX XXXX I believe this information is the result of identity theft, as I did not authorize or file this bankruptcy. 
In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-605B, I request the immediate removal of this fraudulent information from my credit report. Attached are the required documents to support my claim.

Please investigate this matter promptly and confirm the removal of the inaccurate information from my file within the required time frame under the FCRA. 



Thank you for your attention to this matter. I look forward to your response. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After carefully reviewing all three of my credit reports from the three major credit bureaus, TransUnion, XXXX XXXX XXXX, I noticed that there were multiple errors on my report which included hard credit inquires that were not legally authorized or made by myself. The inquires are listed as it follows below ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I got a car loan in   XXXX   XXXX  . I went to  XXXX   XXXX   XXXX  after a divorce and my credit was below average, so they financed me through  Santander Consumer USA. Th ey gave me a  XXXX  dollar loan for a  XXXX   XXXX   XXXX , that was only valued at  XXXX . I was in desperate times, especially as a single mother and no longer having healthy credit due to a divorce, so I purchased the car. My  XXXX   XXXX   XXXX  percent and a monthly payment of  XXXX . I had a 72 month loan. In    XXXX   XXXX   XXXX    I was noticing with my loan, that the principal was never being paid off, and that the payoff balanced was still over  XXXX . I talked to  Santander many times throughout the years and they could not  try to refinance me with a better rate or with a lower payment and it was nearly impossible to pay off the loan. with 4 years of paying the loan and technically 1 year to go, I should not have had a principal balance that high. SO in  XXXX  I went to another car dealership, got a loan and a new car and I called Santander to come and pick up that car, that could not afford to have that car. IT has hit my credit really bad after working so hard to get my credit back up after the divorce. They auctioned off the car and still say I need to pay  XXXX . This is an absurd contract and should be against the law to do this to people.
Product: Debt collection

I received a collection attempt from HCI collections dated XX/XX/2019 for goods or services that I never requested. I mailed HCI a letter via certified mail saying per fair debt collection act they have to prove that the bill is mine. They sent me a copy of "itemized bill" with someone else's name on it and consider that to be proof, and they are notifying the credit bureaus to affect my credit score. They have absolutely no proof that I requested these goods or services. They have to prove it, I don't have to prove that I didn't. P.S. I worked that day, all day. The company responded with the below information but I don't have a XXXX XXXX policy. XXXX is also attempting to collect this from my wife. It's not identity theft, they are clearly trying to collect the wrong thing if they don't even have the right insurance or responsible party. Please do something about this instead of saying "well they say he owes it so he owes it".Company's ResponseMr. XXXX, The account in question, per XXXX XXXX   records, is for your son XXXX XXXX. The insurance used was your XXXX XXXX policy. He arrived at XXXX XXXX on XX/XX/2019 and was discharged at XXXX XXXX on XX/XX/2019. It appears that your wife XXXX   XXXX  was the person who brought your son to XXXX XXXX. XXXX even reached out to XXXX XXXX on XX/XX/2019 asking that an itemization of the charges and explanation of benefits from the insurance be mailed to your residence. These two documents were mailed out on XX/XX/2019. We have requested the condition of admission from XXXX XXXX and will mail you a copy once it is received in our office. If neither is your wife or son, then we ask that you fill out the attached ID Theft Packet and return it to our office. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with Experian 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 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. 


Experian 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: Debt collection

I was seen at XXXX Hospital on XX/XX/XXXX for and incident where I needed XXXX XXXX XXXX XXXX XXXX XXXX. A few months after the injury healed ; I had sharp pains in that very spot. I found out that there was still XXXX XXXX XXXX XXXX. I have made numerous complaints to the hospital ( clinical complaints ). In XX/XX/XXXX I received two bills, one from the E.R and one from the physician. After MONTHS of calling ; The E.R. Bill has been taken care of due to error of the hospital. They did not bill my health insurance. I was under the impression that both bills were taken care of. I received a notice of debt collection almost a year later from XXXX debt collection stating that they are seeking {$1100.00} for that E.R visit ( physician bill ). I contacted the company to explain the situation, but they only offered me a deal for a lower amount to be paid. I called the hospital ( twice ), had a free over-the-phone consultation with a lawyer who both told me to call the collection agency, explain the situation again and provide my insurance information. I called again today, XX/XX/XXXX ( got hung up on 3 times ). I tried to explain the situation. XXXX said they can not speak to me because I SPOKE to a lawyer. I am at my whits end.
Product: Debt collection

Received an statement stating I owe funds to the XXXX XXXX XXXX XXXX but there is evidence that I owe XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute a Public Record entry on my credit report with TransUnion since XXXX of XXXX. I have submitted multiple disputes but TransUnion does not provide consumers a way to upload documentation for all disputes. I also called TransUnion multiple times asking for guidance on how to upload documents and analysts told me they don't know the website and could not help me. After numerous tries I found that TransUnion only allows documentation upload for " Account '' disputes. From XXXX to current I'm submitted approximately 8 disputes regarding the same matter. I also called Transunion over a dozen times. Due to hold times TransUnion has a feature where a consumer can request a call back. Unfortunately the call back system is broken and will NEVER accept the number entered. Consumers are forced to sit and hold in order to speak with a TransUnion rep. 

Each time TransUnion rejecting my claim due to lack of information. 
On XX/XX/XXXX I opened an " Account '' dispute and included the Public Record. I uploaded documentation showing the entry in question was removed by both XXXX and XXXX. On XX/XX/XXXX XXXX portal did not show my dispute as pending. I opened the dispute again uploading the same documentation. Transunion extended my dispute due to " additional documentation '' ( files on XX/XX/XXXX ) which were actually the documents I provided on XX/XX/XXXX. TransUnion extended the resolution date to XX/XX/XXXX due to the updated files. At the end of XXXX I received a notice from TransUnion stating my dispute was being extended to XX/XX/XXXX. On XX/XX/XXXX I called to inquire status of my dispute and was told my dispute was closed and the documentation I provided ( Court Case Summary, Dispute and Resolution from both XXXX and XXXX  ) were inaccurate. I told that TransUnion would not use them as they couldn't validate the documents. I was also told the court " validated '' the public entry. I ask for documentation in writing from TransUnions stating the validating party details and was told TransUnion doesn't do that.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604a Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15USC 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. 

Account number - XXXX XXXX XXXX XXXX Fifth third Platinum Credit card Account number - XXXX XXXX XXXX XXXX XXXX credit card
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Fraudulent Unauthorized Hard Inquiries by XXXX XXXX and XXXX on Experian Credit Report Dear Sir/Madam , I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding fraudulent and unauthorized hard inquiries on my Experian credit report. On XX/XX/2024, I discovered unauthorized inquiries made by both XXXX XXXX and XXXX, which have adversely affected my credit score and financial standing. As a resident of South Carolina, I am cognizant of the credit laws both at the state and national levels that safeguard consumers from such unauthorized inquiries. Under the Fair Credit Reporting Act ( FCRA ) and South Carolinas consumer protection laws, consumers have the right to dispute inaccurate information on their credit reports and have it rectified or removed promptly. The unauthorized hard inquiries conducted by both XXXX XXXX and XXXX not only contravene these established consumer protection laws but also erode the trust and reliability of the credit reporting system. It is imperative that immediate action is taken to rectify these incidents and expunge the unauthorized inquiries from my Experian credit report. I request that the Consumer Financial Protection Bureau intervenes on my behalf to ensure that both XXXX XXXX and XXXX adhere to all pertinent laws and regulations and take prompt action to remove the unauthorized inquiries from my credit report. Additionally, I expect comprehensive written explanations from both entities regarding the unauthorized inquiries and demand that appropriate measures be implemented to prevent future occurrences. Please give this formal complaint your utmost attention and expedite the resolution process, as the integrity of my credit report and financial stability are in jeopardy. I appreciate your prompt assistance in addressing this matter. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My Zelle was hacked and fraud was done on the account money was taken out of my account and sent to different Zelle accounts and Zelle shut my account down. I was robbed of my hard working money and Zelle was not able to fix the problem only thing they did was close my whole Zelle account I can no longer get another Zelle account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am deciding to reach out to CFPB because I have made my payments owed to XXXX XXXX XXXX in balance totaling {$3000.00}. This company has a record of collecting money from their customers and not reporting that it was paid for to credit agencies. In this case, they have still not reported a closed account to Transunion or XXXX for me. This has not just happened to me but many people also seeking for account details to be updated properly ; some seeking lawsuits against XXXX XXXX XXXX, I would like to report this agency for fraudulently advising me to pay this debt in full but with no intentions of actually removing it from my credit report.
Product: Credit reporting or other personal consumer reports

i was a victim of identity thief i have been working with XXXX equifax and XXXX  for some time now, i have accounts that seem to be taking off and added to the other, i have filed reports with the FTC i keep sending over the reports, they keep saying the accounts are verified XXXX bank removed the account for years and now its showing again XXXX  changed the amount and account number and added it back to my file XXXX XXXX XXXX due to fraud XXXX XXXX due to fraud XXXX XXXX due to fraud XXXX XXXX  due to fraud XXXX XXXXdue to fraud
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX ... I attempted to contact XXXXXXXX XXXX regarding the charged-off account with them. I was told by 2 representatives and 1 supervisor that 1- my account wasn't charged off ; after argument, they agreed that yes it was sold off, the first collection agency they sold it to charged it off themselves and it came back to them. Since then, they have sold it to another collection agency. On my credit report ; it shows that XXXX and XXXX are the only ones reporting this charge-off. My dispute with Experian was successful in removing this item. The opening date for the account reported by XXXX is XX/XX/XXXX. In contrast, the opening date for the exact same account reported by XXXX is XX/XX/XXXX. As well, the last reported dates differ on both of the credit reports. The date of last reported, last active, and last payment. Due to numerous errors, I am requesting this account be removed from my credit reports with XXXX and XXXX per FCRA 15 USC1681 eb regarding the reporting information must be 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/2020. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable prooXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting a bankruptcy twice on my credit report. I have attached a copy of my credit report as proof
Product: Credit reporting, credit repair services, or other personal consumer reports

These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -EQUIFAX XXXX -- XXXX  XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX Inquiry : XXXX XXXX, 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some discrepancies on my credit report in which i disputed it with the credit bureau XXXX, XXXX, and Experian. They made claim that the accounts are verified and left the accounts still reporting on my credit report. I asked " how did you verify the account? " they replied back with " we send an email to the collection agency and if they reply back it's yours then we take their word for it ''. Wait i thought you were suppose to have physical proof on files to verify the accounts in dispute. XXXX, XXXX And Experian made a comment and said of i want the physical proof i have to contact the creditor. That is not my job. That is yours to verify through PHYSICAL DOCUMENTS to ensure the accounts you are reporting are actual factual. Other wise anyone paying for your reporting services can mail fax email in a fraudulent account. I here by request XXXX, Experian and XXXX to verify through physical documentation the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX. Please send to my physical address on file the actual proof you have in your files to prove these debts are mines. If you do not have physical documents on file please respond to this CFPB complaint stating such. I do believe no one is doing there jobs right and if i don't get the proof i need i will file a lawsuit against XXXX.
Product: Debt collection

Original Amount was over XXXX dollars and paid on time and in full. was never notified about XXXX short or given the chance to dispute amount.
Product: Credit card

I've consistently ensured timely payments on this account, never allowing them to become overdue. I'm unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests in TransUnion Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX XXXX XXXXXXXX -Date Opened : XX/XX/XXXX XXXX - Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX