23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 XXXX XXXXSC 1681.

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

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

I reviewed my credit report and based on what I read on the FCRA. Negative information has to be deleted 7 years from the anniversary date of the error or seven years from the first date of delinquency. Well when I combed my credit report I noticed some old negative information that has not be deleted based on the law as It relates to the seven year deletion date. I need this information deleted immediately and here is the incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Consumer Loan

Santander was charged off as bad debt but it was paid and settled years ago and been a XXXX balance. Out of no where they did a new update on my credit report which is affecting my financing. They are in violation for continuing to damage my credit file. When I contacted them about it they said " if I paid them {$2000.00} they would delete it '' ... I have already paid and settled per our agreement years ago and the balance is XXXX, Im not sure why they are trying to blackmail me?
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I lack knowledge about the specifics, but it's evident that this investigation was not sanctioned by me and was conducted by the creditor without my consent! Immediate removal is vital.
Product: Credit reporting or other personal consumer reports

I would like to report a potential case of mortgage fraud to the Federal Trade Commission. I believe that XXXXXXXX XXXX XXXX securitized my promissory note and sold my personal information without my consent to another bank/servicer and/or the credit bureaus. I am concerned that this may be a case of mortgage fraud and would like to alert the FTC for further investigation. ''
Product: Payday loan, title loan, personal loan, or advance loan

I signed up for an account with Wells Fargo that offered an interest free period. It was explained to me that the interest free period would not start until the work was completed and that as long as I made my monthly payments on time, I would not be charged interest on the account. I made all payments as requested by Wells Fargo. I was charged this month an interest fee over 100 % of the remaining balance on my account despite making all monthly payments on time. When I contacted Wells Fargo, I was told although I made the monthly payments in the amount requested, my monthly payments did not fulfill the loan within the time period and therefore I was charged a significant amount of interest. This conflicts with the information I was verbally provided and is predatory lending. Had I been told that the monthly amount requested from Wells Fargo would not fulfill the loan requirements for the interest free period, I would have either paid in full earlier or made larger monthly payments. Wells Fargo has refused to eliminate the interest charges despite my offer to pay full balance at this time. I find their lending practices predatory in nature and unacceptable, especially for an organization as large as Wells Fargo.
Product: Checking or savings account

I phoned Capital One 360 today ( X/XX/2017 ) ( XXXX XXXX ) to open a 360 Money Market account because they are offering a rate of
1.20. for amounts over $ 10k. I completed the account opening and moved funds with no issues. However, when looking at the rate it stated .60 instead of the 1.20 and I deposited $ XXXX. This is the first issue. I phoned and the representative stated that it would most like be updated to reflect the rate of 1.20 at a la
ter date.
Me : Okay and can I check on my beneficiaries with this account?
Cap One : You can not have beneficiaries with a Cap One 360 account.
Me : Then can I add a joint owner?
Cap One : Not unless the joint owner is Cap One 360 account holder.
I have been in finance and banking for years and have never heard of this practice and it seems sneaky and illegal that I can have {$1000.00} 's of dollars in an account but can not name a beneficiary or even add a joint owner. I feel this needs to be addressed and the practice changed. I plan to move the money back to my Credit Union where I know my funds are protected and where I can have beneficiaries and/or joint owners.
Product: Debt collection

I am writing to express my extreme dissatisfaction with the claim made by your company that I am legally obligated to pay a debt to XXXX XXXX XXXX XXXX. Before I even consider making any payment, I demand the following documentation to validate the legitimacy of this debt. 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered. Please note that I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and I will not hesitate to take further action to protect myself if these demands are not met within the statutory time frame. I expect immediate compliance with this request. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE ADDRESSES ON MY CREDIT REPORT THAT ARE INACCURATE AND MUST BE REMOVED AS THEY ARE HINDERING ME FROM PROPERLY FILING FOR FURTHER CREDIT.
Product: Credit reporting or other personal consumer reports

When I reinvestigated my credit report, I see that same information was erroneous. The XXXX credit bureaus are required to validate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts listed below : DEPTEDXXXX XXXX Balance Owed : {$56000.00} DEPTEDXXXX XXXX Balance Owed : {$56000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}
Product: Debt collection

I asked debt collector to send my letters & statements showing I owe they never sent any mail. I asked them to stop calling me repeatedly they call more since o asked them not to. Plus they threaten me with others results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a dispute back from XXXX on XX/XX/XXXX. I have disputed to them about inquires that i do not recognize. They refused to remove it. The representative that refused to remove and we spoke on XX/XX/XXXX. I informed her that these inquires were not showing on other credit reports. I put a Fraud alert on my credit file do to Identity theft. I also stated the 15 US code1681 B. 
XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX
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. Account name : XXXX XXXX XXXX XXXX, has violated my rights.

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 ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the furnishing of my credit report and information, as outlined under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681b. i have recently discovered that my credit report contains inquiries and/or information furnished without my prior consent.

According to 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the condition that the consumer provides explicit written consent. i have not given such consent to Consumerinfo.com to access or furnish my credit report on XX/XX/2024 or any date. As such, this constitutes a violation of my rights under the FCRA. 

I request that the unauthorized inquiries and any related information be immediately removed from my credit report. Please provide me with a confirmation that this action has been taken within the legally mandated time frame. 

This unauthorized injury poses a risk to my personal and financial security, as it involved access to sensitive information. Consumerinfo.com willful violation of the FCRA reflects negligence and disregard for consumer rights. Under the FCRA, I am entitled to statutory damages for this violation, even if no direct financial harm occurred, as the law prioritizes consumer privacy and security. 

Relevant laws : 15 U.S.C. 1681b ( FCRA ) : Limits access to a consumer 's credit report to specific, permissible purposes 15 U.S.C 1681n : Entitles consumers to statutory damages of up to {$1000.00} for willful non-compliance with FCRA, even if no actual damage occurs
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX XXXX and all payments were placed in XXXX. This late payment that is reporting is a result of a systematic error on their end processing my payment. This was clearly a billing error made by the company and it 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 XX/XX/year> to be removed. They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of 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 USC1666b ( 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 a good faith pursuant rule 1002 and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! Update the late payment from my consumer reports XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Re : Account Number : XXXX XXXXAmount of Debt : XXXX XXXXDate of Debt : XX/XX/XXXX Dear XXXX XXXX XXXX, I am writing to request validation of the above-referenced debt. I do not acknowledge this debt and would like to see validation under the FDCPA.

Please provide : 1. The name and address of the original creditor.

2. A detailed statement of how the amount was calculated.

3. Any agreements or contracts I allegedly signed.

4. Proof of your authority to collect debts in my state. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the fair reporting act everything must be reported 100 % accurate to the credit bureau. the credit bureau stated that my account was properly investigated. Based on the recent credit reporting my the date of last activity, last report date, open date and last payment date is incorrect. account number XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Information Account Number : XXXX Dear TransUnion, I am writing to formally dispute inaccurate and unverifiable information contained in my credit report regarding an account with XXXX XXXX XXXX The account details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Closed. {$470.00} written off. 
Status Updated : XX/XX/XXXX Balance : {$0.00} Balance Updated : XX/XX/XXXX Monthly Payment : {$41.00} Original Balance : {$300.00} Highest Balance : {$470.00} Payment History : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; 60 days past due as of XX/XX/XXXX ; 90 days past due as of XXXX XXXX ; Charge off as of XX/XX/XXXX This account contains several inaccuracies and inconsistencies that I believe to be incorrect. Specifically : Status : The account is listed as a charge-off with a written-off amount of {$470.00}. This information is inconsistent with my records and is not accurate.

Comments : The account status indicates " Purchased by another lender '' and " First payment never received, '' which are conflicting and require clarification.

I have never received any communication or information regarding the transfer or sale of this account to another lender. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive proper validation and notification of any debt that has been transferred or sold. This has not occurred, rendering the reported information inaccurate and unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to know the specific methods and sources used in the verification process. Therefore, I am requesting : The name, address, and contact number of the party who provided the information. 
The specific methods used to verify the accuracy of the information. 
Any documentation or evidence used to support the verification, including proof of communication regarding the transfer of the debt to the new lender. 
The reported information lacks proper documentation and fails to meet the standards set forth by the FCRA and FDCPA. If XXXX XXXX XXXX any subsequent creditor can not provide verifiable and accurate information, this account must be removed from my credit report immediately. 

Please complete the investigation within the timeframe required by the FCRA and provide me with the results. If this account is not verified as accurate, I demand its immediate removal from my credit report. 

Failure to comply with these legal requirements XXXX result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter. 



[ Enclosures : XXXX of Credit Report with highlighted inaccuracies, XXXX of XXXX ]
Product: Credit reporting or other personal consumer reports

I appreciate your help in addressing some of the fraudulent information on my credit file. However, there are still unresolved inaccuracies that need to be removed. Under FCRA Section 605, you are obligated to eliminate any inaccurate records. I have previously provided this documentation and am including it again for your reference. My attorney is fully informed of the situation and prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Illinois XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX Dear Credit Bureau After carefully reviewing my credit report, I notice that the following accounts listed below are inaccurate. The open date, the date last active, the date of last payment are showing inconsistently between all three credit bureaus. I was reading over the Fair Credit Reporting Act Section 1681e ( b ). You are supposed to assure maximum possible accuracy. Can you investigate the accounts listed below? 


XXXX XXXX After reviewing my credit report this account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section1681i of the fair credit reporting act. After your reinvestigation if you found this account tone inaccurate or incomplete or can not be verified can you delete this account according to section 1681i ( 5 ) of the fair credit reporting act.
Product: Debt collection

Procollect received my utility account debt from XXXX XXXX. I contacted them to payoff the balance in full but prior to setting up an arrangement, I asked the collector, XXXX XXXX, at the time if this item would be removed from my credit report and she advised that it would be removed and to allow 30 days to see the deletion. I paid this account off on XX/XX/2020 and the item is still on my credit report. I tried contacting both Procollect and XXXX and was advised that I was misinformed but the debt will not be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX CO XXXX XX/XX/year> XXXX  XXXX  XX/XX/year> Capital one XX/XX/year> I don't recognize these accounts