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

My account with ( CREDITOR NAME ) 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 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.

( CREDITOR NAME ) 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

Debt is past New York State Statute of limitations last payment made XX/XX/2006 And is stated on letter received after collection agency called I had to request letter did not send a head of phone call. Collector did not up date file for address or phone number at time of call there for had info and did not send initial demand letter prior to calling
Product: Credit reporting or other personal consumer reports

Furnishers must have procedures to respond to identity theft notifications from CRAs and prevent refurnishing the information. They can not furnish information identified as resulting from identity theft unless informed otherwise by the consumer. If inaccurate information is furnished due to identity theft, the furnisher must notify CRAs of the correct information and report only accurate information. When notified of an identity theft debt, the furnisher can not sell, transfer, or place it for collection, except in limited circumstances.
Product: Credit reporting or other personal consumer reports

An associate at XXXX XXXX scanned my driver 's license by error and the information was used for a Transunion hard credit inquiry that I did not authorize. I tried to resolve the error with both XXXX XXXX and Transunion. However, I was informed that I had to file a complaint here to take the inquiry off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX {$150.00}, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity thief. XXXX XXXX XXXX has fraudulently accounts on my credit profile that need to be removed immediately. 

XXXX XXXX XXXX aswell
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account number : XXXX, XXXX XXXX XXXX  Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section XXXX A. States I have the right to privacy. 
15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX XXXX I am fling this complaint because there are several inaccuracies on my credit report regarding the account listed above. Please have the company reinvestigate this and removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 : Experian added a new COLLECTIONS ACCOUNT to my credit report, which in turn devastated my credit score by -40 points. The new Collections account was by XXXX XXXX for an amount of {$430.00}. I immediately filed a dispute for this with Experian because I have never heard of XXXX XXXX, nor do I owe anyone {$430.00}. This is not my account and should not be on my credit report. XX/XX/2021 Experian completed their dispute investigation and claimed that they have verified the information as accurate and refused to remove it from my credit report. I contacted Experian to find out how they verified that information but they refuse to disclose that information to me. Experian refuses to disclose ANY information regarding the collections account by XXXX XXXX nor will they provide ANY proof or evidence that they investigated it in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've Reached out to Experian, about an account I believed that was reporting inaccurate information on my credit report. 

Account Name : XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : This account is showing a past due balance on a closed account which is a violation of the FCRA please deleted this account immediately per the FCRA and also the date open in this account was reported wrong and this account was verified how is that possible ... 


Now knowing this and understanding the laws that protect me and several other consumers from this happening they have not followed the rules and guide lines set forth for proper investigation because if they did this information would have been addressed by either being deleted or corrected and neither have happened so it is a blatant and false item that has plaguing me in trying to pursue a home and has been for over a year. I want this file removed Immediately before a suit is to be filed against the harm its causing me and my family ... Please see the attachment as my proof that this account is and has been reporting inaccurate on my credit report and blatantly getting ignored.
Product: Checking or savings account

I was in XXXX XXXX on the night of XX/XX/XXXX. I had my phone with me and at some point around XXXX XX/XX/XXXX my phone was pickpocketed and I was unaware. I had gone back to the hotel and gone to sleep. I woke up in the morning and checked my pants where my phone should have been and it was missing. I thought that I may have left it at dinner or cesars casino so we retraced steps and nobody had it. At this point I knew it was most likely stolen and had reached out to Wells Fargo Fraud detection and sure enough there was an abundance of charges made that were unauthorized. I had Wells shut down my account immediately. The assailants had switched and locked me out of my XXXX XXXX. My wells debit card was attached to my digital wallet as well as my online banking app which was how the were able to transfer money illegally and without consent or authorization. There were XXXX charges totaling {$3400.00} from the suspect named XXXX XXXX via XXXX. These were noted as fraud by wells fargo and refunded. next, they transferred {$11000.00} via XXXX XXXX from my debit account after they gained access ( the same way they were able to XXXX. these were all done withing the same amount of time as each other. the XXXX XXXX XXXX  transfers were done consecutively with charges of the following amounts... XXXX. The claim for the {$11000.00} was under claim # XXXX for that total amount. I received a letter on XX/XX/XXXX that they would only be refunding {$1500.00} of the {$11000.00} even though there was not a charge of that amount and also, all charges that were made under that claim were made by the same person and at the same time. I asked why only a portion was being refunded and they only said that they have done an investigation and they had made their final decision that is final with no additional information as i was asking repeatedly. Furthermore, the thief was able to charge multiple transfers via XXXX close to {$5000.00}. XXXX was able to look into this and determined that it was fraud and had refunded my money in full. Also, they were able to open an XXXX XXXX via XXXX XXXX. They were able to get an immediate credit line and I was told they spent almost {$1000.00} at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX. I let them know that this was fraudulent and they had the card shut down immediately and determined fraud so that I would not be charged. I also made a police report with the city of XXXX XXXX the same day i found out and the case or report number is XXXX. I have requested a copy of the report and am still waiting for it via mail as I am unable to pick it up because i live in Texas. I am looking to recover the funds totaling {$10000.00} for the unauthorized charges that were sent in bulk and in sequence via XXXX XXXX as this was clearly fraudulent and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

IQ Data International is attempting to collect on a debt that I am no longer responsible. The amount of this debt is {$67.00} and this debt has been paid to the original creditor, XXXX XXXX AL. XXXX XXXX AL agreed to mark this bill as paid and to stop all collection efforts. As of today, IQ Data International is still showing on all of my credit files and they are continuing to defame my credit score, preventing me from obtaining adequate housing.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3200.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is regarding my XXXX credit report. I was recently denied for a refinance loan on XX/XX/XXXX ( a have a private mortgage ) from rocket mortgage based my credit history report from XXXX. ( slow loan payments, bankruptcy, liens, judgments ) I don't have any of this. Also I'm trying to dispute XXXX collection account on my credit report XXXX account was opened on XX/XX/XXXX. I have proof from my bank statements. Account was transferred to calvary portfolio is being reported as opened XX/XX/XXXX XXXX website is not allowing me to dispute because of article XXXX. my credit score reported by XXXX was XXXX .I have a recent copy of my credit report it shows XXXX? I tried contacting XXXX to discuss the issue but I'm unable to connect to a live agent. I tried XXXX different tel numbers .The website XXXX XXXX. Doesn't allow me to file a dispute .I also have another account that was dismissed in court by a judge on XX/XX/XXXX. ( XXXX XXXX XXXX account was transferred to velocity investments llc ) I mailed the court stipulation to XXXX via certified mail.and filed a dispute but still is showing as a charged off account on my credit report.with a balance of {$10000.00} also XXXX is reporting XXXX of my accounts that where opened in XXXX as recent negative accounts.this is causing me a hardship because I live with a XXXX son and I need this loan to secure housing.this are the tel # 's. I tried for XXXX. ( I couldn't connect to a live representative ) XXXX. / XXXX there is no way to communicate my issues with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE MULTIPLE FRAUD ACCOUNTS AND INQUIRIES ON EACH CREDIT BUREAU FOR ME. NOT SO MANY BUT ENOUGH FOR CONCERN, IM NOT ALLOWING THIS STUFF TO REMAIN ON MY REPORT, I WILL NOT STOP UNTIL THESE FRAUD ITEMS ARE GONE. 

IVE BEEN DISPUTING THE VALIDITY & RESPONSIBILITY TO THESE ACCOUNTS WITH THE CREDITORS AND THE CREDIT AGENCIES & NEITHER PARTY HAS SUPPLIED ME ( THE CONSUMER ) WITH ANY PROPER PROOF OF VALIDATION THAT THESE ITEMS BELONG TO ME CONSENSUALLY. 

IM A CLEAR VICTIM OF IDENTITY THEFT, IVE IDENTIFIED THE ITEMS THAT DON'T BELONG TO ME DIRECTLY WITH BOTH THE CREDITORS AND CREDIT BUREAUS, IVE DISPUTED CORRECTLY ALONG THE LINES OF THE 605B LAW IVE SENT THEM : A CLEAR PROOF OF IDENTITY OF ME, A FEDERAL TRADE COMMISSION ID THEFT REPORT, WITH STATEMENT CLARIFYING THESE ACCOUNTS AREN'T DUE TO ANY TRANSACTION MADE BY ME. 
A SHEET LISTING THE ACCOUNTS AND INQUIRIES IVE IDENTIFIED AS A RESULT OF ID THEFT. 

YET, THESE ITEMS HAVE NOT BE BEEN BLOCKED FROM MY REPORT, HECK THEY HAVEN'T EVEN BEEN PUT UNDER PROPER INVESTIGATION. SO IM HERE, FORCING THEM TO DO THIS THE RIGHT WAY UNDER CFPB 'S SURVEILLANCE.
Product: Debt collection

XXXX XXXX states that they have requested this be removed from my credit reports. It is no longer on my XXXX report but appears on my XXXX ( please see attachment ). When I dispute it with XXXX, it comes back verified and they will not remove it! I want to see proof where it shows removed on your end because you failed to attach it last time! This is my third time disputing this with XXXX and this will be my last time before I take further action!
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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 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

Due to the changes that took place XXXX of XXXX, That made clear that medical expenses were not to held against consumers on there credit report, are to be made visible or considered in credit judgment, I ask that the previous medical debt that i have be considered and removed from my credit report. thank you.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I opt out of any and all authorizations that I may have given you verbally or non-verbally, written or unwritten effective immediately and indefinitely per 15 USC 6802 ; a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Also per The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. The companies involved are XXXX XXXX XXXX Capital One Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX and Capital One.
Product: Credit card or prepaid card

I was messing around with the app! I have the WORST POSSIBLE credit! I applied for XXXX of the cards! I got approved for a minimal amount. I do not want it!!! It will mess me up with social security!! I called within minutes of approval, and spoke with XXXX, with credit card department, and was told that I can't cancel it!! This is total XXXX!! It's going to really really mess me up with social security!! The amount would never ever help me out anyway!! Please please please help me out and I need a statement saying that I cancelled it,!! OMG SERIOUSLY please please help me out!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX put an inquiry on XX/XX/2022. 
The only thing that makes sense is some at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.
Product: Checking or savings account

On XXXX XXXX XXXX leading on into XXXX XXXX XXXX my Fifth Third checking account was overdrawn. During this time 5 very small transactions went through my account as verification of that account. These transactions were from XXXX and XXXX XXXX. I use these services to send money to my sons in college. The amount of these withdrawals were {XXXX}, {XXXX}, {XXXX}, {XXXX} and {XXXX}. These five small withdrawals total {XXXX}. Fifth Third charged me {XXXX} for each of the above transactions. So {XXXX} ended up costing me {XXXX} in overdraft fees. Oh and after you verify what the exact amount of the withdrawals are XXXX and XXXX XXXX deposit those small funds right back into your account! So a withdrawal for 1 penny cost me {XXXX0}! When I called Fifth Third the lady I spoke to said their system only allows the reversal/reimbursement of {XXXX} in fees  over the entire lifetime of the account. Seriously? I do n't think I believe that statement. So she did actually reimburse {XXXX} but where is the other {XXXX}? I 'm very upset about this matter and am seriously thinking about closing my accounts at Fifth Third and just moving all my money to XXXX XXXX banking. I 'm attaching photos of the transactions and all the fees added to my account. I 've never even heard of a bank that charges overdraft/return check fees on an amount less than a dollar. Oh and one more thing ... the lady I spoke to on the phone was very XXXX.