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

My account with XXXX 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 XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. XXXX5 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 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 or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XX/XX/year> has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XX/XX/year> has violated my rights. 

EXPERIAN XXXX XXXX XXXX XX/XX/year> TD BANK N.A. XX/XX/year> has violated my rights. 

I looked at my TransUnion Equifax Experian 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

I requested debt validation from Wells Fargo on XX/XX/2022 bank and they have failed to provide me with adequate information of this alleged fraudulent debt they are claiming I owe. When asked to send my original signed contract, they instead sent me a statement that had nothing to do with my request. Please clarify this billing error in order to properly validate this account. Per 15 USC 1666 you must provide documentary evidence along with the other requirements that make up this billing error. If you can not provide the required evidence to validate this account not including statements I will not only charge you for racketeering per 18 USC 2725 but I will also press charges against you and all parties involved.
Product: Credit reporting or other personal consumer reports

Unfortunately I have identified several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rights I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of this name must be removed. Addresses. Only the address XXXX XXXX XXXX XXXX, NC XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX And the address XXXX XXXX XXXX XXXX, LA XXXX They must be removed immediately In the birthdate/year of birth field XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX XXXX " this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report. Late payments XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name XXXX XXXX  account number XXXX date opened XX/XX/XXXX late payments XX/XX/XXXX XX/XX/XXXX Accounts to be deleted XXXX XXXX XXXX Account number XXXX. This account is reporting XXXX account. {$570.00} past due as of XXXX XXXX but this is a collection account legally, a collection account can not be reporting as a past due balance as the account already has been sent to collections. This account is reporting in accurately and must be removed from my report immediately. Pursuant to the laws 15 USC 6802, 15 USC 1681C2 and FCRA 605B I demand that this account be removed within four business days As permitted by federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX  XXXX/ XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX  XXXX/ XXXX, and XX/XX/XXXX XXXX checked my credit but no services was extended inquiries shouldn't be furnished on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and deleted 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. PORTFOLIO RECOVERY ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00}
Product: Prepaid card

i have lost my card and have been trying for days to contact Rush card to cancel the card and have another one sent out. Everytime I call I get hung up on and no response. SOmeone may have found my card and is possibly using it. I can not afford to be late paying my rent and lose the XXXX balance still left on my card. This is crazy. I have sent emails and no one has contacted me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Today i have seen a couple of enquiries on my credit report which i am not aware. The one is from CAPITAL ONE and the other is XXXX. I didn't recognise these enquiries on my account.Because i haven't applied for any of these accounts.There is something happening.I want these enquiries to be removed from my account.Because they are not applied from me. 

The Enquiries happened on XX/XX/XXXX.
Product: Debt collection

I did n't have a contract with  XXXX  ( original creditor ) on the date in question and my account keeps being deleted off of my credit reports and put back on under different creditor names.
Product: Credit card or prepaid card

On XXXX XXXX I sent a check to Capital One in the amount of {$560.00}. The money was never posted to my platinum card # ending in XXXX. After a couple weeks I called to find out what happened and was told they never got a check. I have images of the check front and back and the account number it was deposited into, which apparently was a fake account because Capital One  claimed they knew nothing about it. When I sent the check in XXXX my credit card was only suspended for being past due but because they lost the check, so I canceled the first check and I had to send another check that didnt get posted to my account until XXXX XXXX and by that time my card was permanently restricted. At the time I only owed {$88.00} on my credit card, but because they restricted my card it was useless. My XXXX XXXX was affected because I have been trying for over a year to fix my account and they kept charging me late fees for non-payment and nobody cared there was an obvious attempt at fraud and the first check I sent never made it into my account. I filed a dispute and they said they didnt care and I still owe late fees on a card they canceled, even though I paid them within the XXXX period. I just spoke with XXXX in the fraud department ( XXXX ) and he said he didnt care someone attempted to steal the first {$560.00} I sent in XXXX of 2021. And I still owe {$210.00} on the credit card they restricted due to non-payment. I am at my wits end with Capital One and now Im filing a complaint because they dont care that they lost or someone tried to steal the first money I sent them in XX/XX/2021. They have since closed my account and said I still owe late fees on a card that they killed and rendered useless, even though I made my payment on time, which got lost. Talking with them does not help me anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my inquires and do not need to be on my credit report and are being reported by experian. I sent them a letter XX/XX/XXXX and still not response. 

XXXX XXXX XXXX- non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX These are not my inquires and do not need to be on my credit report and are being reported by XXXX. I sent them a letter XX/XX/XXXX and still not response. 

XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX These are not my inquires and do not need to be on my credit report and are being reported by Equifax. I sent them a letter XX/XX/XXXX and still not response. 

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

Equifax is reporting accounts that arent mine and i am asking for them to remove the accounts that i have listed below Public record Chpt XXXX Bankruptcy ( Not Mine ) 1. XXXX XXXX ( 2 ) accounts 2. XXXX XXXX XXXX 3. XXXX XXXX/ XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX ( 2 ) Accounts 7. XXXX XXXX XXXX/XXXX ( 2 ) accounts 8. XXXX XXXX XXXX. 
9. XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX. 
12. XXXX XXXX XXXX 13.XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX To whom this may concern, this is regarding accountant XXXX. 
My billing dispute is for past current and future certificates of indebtedness while under this contract. 
XXXXXXXX XXXX XXXX reported 3 late payments for the month of XXXX, XXXX, and XXXX A creditor may not treat a payment on a credit card acc under an open etiquette. Consumer credit plane late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement includes the nonpublic information that was furnished. Should have been mailed and delivered to the consumer not 21 before the due date. Listing payments as late under an open etiquette consumer plan is against federal law. 15 U.S. Code 1666 15 USC 6827 ( 3 ) requires financial institutes to notify consumers of their information-sharing practices and provide for a right to opt out of certain sharing. mention in the transactions above without allowing me to opt-out XXXX XXXX XXXX  furnished my non-public information to a nonaffiliated third-party data furnishing company trans union XXXX and XXXX . 15 USC 6809 ( 4 ) ( a ) Non-public information means personally identifiable financial information provided by a consumer to a financial institution- resulting from any transactions with the consumer or any services performed for the consumer or otherwise obtained by the financial institution. Therefore, as per literal interpretation, the organizations name TransUnion XXXX and XXXX are non-affiliated third parties. and XXXXXXXX XXXX XXXX has violated the provisions of 15 USC 6802 pursuit under 15 USC 1681a ( d ) ( 2 ) ( a ) ( ii ) the consumer report shall not include. Any information communicated among persons related by common ownership or affiliated by corporate control. Such information among persons shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be allowed to direct that such information not be communicated among such parties. 

I HEREBY REQUEST THAT YOUR COMPANY REMOVE ALL OR UPDATE THE FCRA VIOLATIONS LISTED BELOW BE REMOVED IMMEDIATELY 1. ALL LATE PAYMENTS SHOULD BE UPDATED TOO POSITIVE 15 U.S. Code 1666.

2. UTILIZATION OF THE ACC SHALL NOT BE FURNISHED 15 U.S. Code 1681b - Permissible purposes of consumer reports.

Also request under 15 U.S. Code 1666d - Treatment of credit balances Section ( B ) refunds any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance. 
Please credit my accountant for the balance or refund the balance Deposited to my treasury direct accountant. 
XXXX # XXXX ROUTING # XXXX XXXX XXXX XXXX has 7-10 business days to honor my request, or I will immediately file a complaint with my state 's attorney 's office and a filing a complaint with the federal court in my jurisdiction. 
Thank you for your immediate prompt attention to this
Product: Credit reporting or other personal consumer reports

I called the credit reporting agencies letting them know the inquires and accounts below are unauthorized/ not supposed to be visible on my consumer report. I Never gave them permission or consent to report them. This Aggravated identity theft. 
XXXX document included below. 


Aggregated identity theft 18 USC 1028A
Product: Money transfer, virtual currency, or money service

I have reported Coinbase to the FBI Cyber-crimes OMB CONTROL unit under their consumer fraud division. Also filed case with NYSDFS, Filed report with the Federal Trade Commission and The Attorney General of Virginia. Demanding that this matter be handed over to their legal department. I have never even tried to use these funds to buy crypto. This all began Thu, XX/XX/2020 and still without a simple call or answer where my {$32000.00} are. I want these funds transferred back to my bank and the account close.
Product: Credit reporting or other personal consumer reports

Experian is showing that I owe {$480000.00} dollars in student loans. I do not ; I owe {$240000.00}. My loans were sold from XXXX XXXX to XXXX. I have disputed this issue three times. They will only update the dates, and keep the loan servicer the same. They are preventing me from getting a home loan. 
My next step is to sue them if they will not do their job. They updated the date they still need to remove the loans as transferred to XXXX. I have attached a copy of the receipt that shows I do not own XXXX. They must be held accountable for preventing my XXXX from living in a home. I can't believe they would deliberately not do their jobs and are purposely keeping us out of a home. I can't believe it, I am doing everything to ensure that my credit is correct, and some person is keeping us from home ownership. 

I am starting to feel like they are discriminating against me on purpose. Why wouldn't they aim to publish accurate information? SMH Please fine them.
Product: Payday loan, title loan, or personal loan

I applied for a loan to help me get by on a tough month. I wanted {$50.00} and got it. When I was done and thought the loan was repaid I tried closing the account and it said I had money transferring. Not only did they give me a second loan without my knowledge but they took money from my bank account and put it in a savings account I wasn't able to access. It took more than 2 weeks for the transaction to clear. I didn't find out I had the extra money until it was too late. I never initiated the loan, I never wanted the second loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my police report to Equifax detailing a fraudulents account from XXXX and XXXX XXXX XXXX XXXX. The account numbers and fraudulent account details were included in my police report. I also included a copy of my drivers license and social security card. I requested that the fraudulent account be removed pursuant to the Fair Credit Reporting Act, Section 605B. XXXX verified my name and social security number that has been breached and ignored my police report detailing the fraudulent accounts that I did not open.
Product: Mortgage

XX/XX/19 I was randomly called and then texted by a company called Ocean Lending ( Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act - Lic # XXXX ) by XXXX XXXX XXXX. The voice mail states they have an active loan application with missing information. I have never requested a loan from them. Turns out it was a cold call to solicit a loan. My phone number is also on the National Do Not Call list. I re-add it to the list every three - six months. 

This is a pretty shady business practice from this organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute from a debt with XXXX XXXX XXXX with all 3 credit bureaus. The problem wasn't resolved my issues I have misleading information been reported to all credit bureaus. I spoke with XXXX at extension # XXXX on XX/XX/2021 approximately XXXX who advised me that XXXX XXXX not report anything once a loan is closed or payed off which leaves me to believe the credit bureaus are receiving inaccurate information from a third party which violates my rights. I'm also having the same problem with a chapter XXXX bankruptcy on my credit file. It states US bankruptcy court in XXXX is reporting this information which is incorrect and inaccurate. I spoke with agent at bankruptcy court who advised they do not report to any credit bureaus.So, my information is been sold by a third party which is misleading and inaccurate information. Please! Delete from all 3 credit files. Thanks
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$750.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : $ XXXX late open XXXX XXXXXXXX Balance : {$750.00} XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX late open XXXX XXXXXXXX Balance : $ XXXX late open XXXX XXXX Balance : $ XXXX late open XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.