23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent dated XX/XX/2021. However, any modes of response or coordination were not taken on their end. Transunion Credit Bureau has failed to comply with the Fair Credit Reporting Act, XXXX USC Sections 1681i within the time allowed by law, and the inaccuracies about my accounts are continuously reported on my Transunion Credit Report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$68.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$67.00}
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On all 3 credit reports they have me 30 days late on XX/XX/2020 however, XXXX XXXX Neimen Marcus notified all 3 credit bureaus XXXX XXXX that it was their error due to updating their systems. The XXXX late pay was removed for a couple months but came back after it was corrected for the 3rd time. I will attach proof of the error from the lender and XXXX  investigation would not followed and Neimen Marcus sent letter proving i was and have never been late. The card holding company is XXXX XXXX XXXX  but the credit card is Neimen Marcus and XXXX has that account listed twice on my report with the old account which was updated with 30 date late payment in XX/XX/2020 and the new account number which is accurate after Niemen Marcus went to a 16 digit credit card number versus 12
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sued by XXXX XXXX  XXXX XXXX. on behalf of XXXX XXXX XXXX for a credit debt I do not owe. I received a judgment against XXXX XXXX XXXX from the XXXX District Court. XXXX XXXX XXXX is still reporting the incorrect information on my credit report. I disputed the incorrect information with the credit report, but it was not removed.
Product: Checking or savings account

I have been waiting for ( 4 ) direct deposits to hit my Capital One checking account since Thursday, XX/XX/2025. Capital One is not communicating with their account holders of when this issue will be resolved. They are taking payments out of my checking account leaving it overdrawn.
Product: Credit card or prepaid card

My capital one XXXX  credit card available funds were put on hold until further notice, because I made a payment with a different debt card that capital one didnt notice, so Im unable to pay my credit card balance completely off which will result in my credit score dropping.
Product: Debt collection

Received call from XXXX, per name was XXXX XXXX - Finance Arbitrator for Global Asset Management.. XXXX XXXX. She stated that they were in the process of submitting for garnishment and lawsuit. She would not provide the account number for the company they are collecting for, or an address for their company. She provided only the File number. for the company that this collection was for. She stated that this is for the company XXXX XXXX, for an old car repossession from 14 years ago. 

She stated that she could stop this from going forward and that a lawyer could not help us at this point. Only she could help. She offered and settlement of {$1000.00}, made in 3 payments of {$330.00}, or a one time payoff of {$650.00} that could be made by credit/debit card or pre-paid card only. She completely refused to provide any other information about the company or herself, but continued to threatened pursuit of garnishment, and it could only be stopped if I made a credit/debit card or pre-paid card payment immediately.
Product: Debt collection

This agency was contacted XXXX to inquire on alleged debt. Advised that per the fdcpa I wished to exercise my right to dispute tje alleged debt and wished not to be contacted. 

I sent via priority mail a request for validity which arrived to them on XX/XX/XXXX. I got a letter dated XX/XX/XXXX stating they are ceasing collections just to be told on XX/XX/XXXX oh we are not. 

My written verbal cease n desist prohibits phone calls, not written communications yet CBE group wants to try and intimidate me. 

What they sent doesn't validate the debt and is a joke!
Product: Debt collection

I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of intercourse of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; Unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order 13892 ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family, and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

The XXXX XXXX Credit Card is the company credit card not my personal credit card. The company 's card balance keep affecting my personal score. I contacted the credit report company and tried to resolve this issue but they have not solve the issue. This situation has affected my score negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to request my credit report in different credit monitors such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and all 3 give me an error since they indicate that my SSN is incorrect, I have called the offices to correct this error, but I continue without obtaining results, they told me that it had already been resolved, which is a lie because I still can not obtain a credit report, the error is theirs since my SSN is correct.
Product: Debt collection

Not 100 % sure if they are a legit Collection agency, but harassed me on the phone about paying back a cash advance that I owed in 2010, which I never took out,
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 EXPERIAN 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

SECOND REQUEST : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted Experian numerous of times trying to get things solved and nothing is happening. I have the following inquires sitting on my credit report that I did n't authorize. 
1 XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXXXXXX ( XX/XX/XXXX) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX (XX/XX/XXXX ) 7 )  XXXX XXXX. (XX/XX/XXXX ) 8 ) XXXX XXXX XXXXs (  XX/XX/XXXX ) 9 ) XXXX ( XX/XX/XXXX 10 ) XXXX XXXX (XX/XX/XXXX) 11 ) XXXX XXXX (XX/XX/XXXX )
Product: Checking or savings account

Navy federal oops program I never received a check I no longer bank with them but should be owed from new lawsuit
Product: Debt collection

The debt collection company has not sent me any letters, they also keep calling me after I told them not to contact me or even send me letters
Product: Vehicle loan or lease

They said I missed 2 payments, and didn't contact me in any way to inform me for 6months, what they thought was going on... this messed up my credit rating, and I never missed a payment. I am currently trying to buy a house and can't do it because of this .....
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, am a living human being, have rights under 15 USC 1681. 

XXXX, XXXX, experian are governed by 15 USC 1681. And they violated my rights numerous of times. demand the accounts listed below be remove because According to 15 USC 1681 : have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

BANKRUPTCY
Product: Checking or savings account

On XX/XX/2022and XX/XX/2022 over 120 withdrawals were made out of my checking account with First Horizon Bank. The bank stated the withdrawals were made by my deceased daughter XXXX XXXX. XXXX XXXX is not an authorized user on my account. There was over 120 small amount transactions made. The account number is XXXX XXXX. The account ending in XXXX is and account that I XXXX XXXX and XXXX XXXX joint account. The bank doesn't have any written consent on file stating XXXX XXXX is able to withdrawal out of the account ending in XXXX. The total amount stolen out of my account is {$12000.00}. The bank is stating that the funds were put into a account that I XXXX XXXX and XXXX XXXX had together. These transactions were made by a online scammer. I had previously notified my bank XXXX weeks prior that my identity was stolen and not to let any online transactions go thru. The funds that were taken was funds for Hurricane Ida and now im unable to finish my repairs on my house. I reported the amount stolen to the XXXX Police Department. The police report number is XXXX. First Horizon Bank phone number is XXXX. Please help me get my {$12000.00} stolen back. According to FDIC guidelines any unauthorized withdrawals out of an account get full reimbursement. First Horizon Bank is stating because XXXX XXXX transferred money to the account with my name on it that to them thats a legal transaction. XXXX never had written consent to transfer funds. Plus id like to know how a deceased person can transfer funds in the first place. I desperately need my {$12000.00} to finish my house repairs. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I order a pair of boots with my debit card from cash app, on XX/XX/XXXX. XXXX never delivered the item, it was supposed to be delivered by XXXX XXXX. I never received the item, I contacted the seller and she sent proof from her side that she filled out the claim that was opened. No refund was ever issued by XXXX they just give me the runaround. XXXX for some reason denied the claim. So I dispute it twice with cash app, with proof that I never received the item and was denied both times. I dont think it is right at all and seems like they deny disputes all the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Incorrect Name : XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I spoke with Citibank before applying for my AA rewards card. I specifically asked them if I was eligible for the XXXX rewards as I closed a similar account a little over a year ago. I asked them twice directly if I would still get it and they said yes that I would still get the points when I spent XXXX. A month went by and I spent XXXX and now they are telling me that I 'm not eligible for the points due to the previous card within the last 24 months. This is contradictive to what they previously told me on a recorded line twice. This is clearly a bait and switch and I want to see some accountability behind it.
Product: Credit reporting or other personal consumer reports

I filed bankruptcy XX/XX/. XXXX was included in bankruptcy. XXXX is still reporting past due payment with a balance. I disputed with Transunion and XXXX yet information is still not updated. My lawyer states that this is against the law
Product: Debt collection

NOTE Ability Recovery Services XXXX XXXX XXXX XXXX, PA XXXX sent demand letter dated XX/XX/XXXX : for XXXX debts marked " pending no fault '' XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX BOTH ARE BEYOND statute of limitations in NEW YORK of 3 years. The company has several outstanding complaints for this practice. I want and seek the harassment stopped and their records updated and a formal apology signed and dated. NO FAULT is claim against the insurer XXXX XXXX INSURANCE ... NOT the insured. Please investigate thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple ( more than 3 attempts ) Security Freeze Requests with LexisNexis. I have submitted all required documents LexisNexis requires to submit a valid security freeze. I have just resubmitted another security freeze today XX/XX/2023 @ XXXX. I provided LExisNexis with a valid copy of my Drivers License ( that has my correct address on it ), Valid copy of my Passport, Copy of my Social Security Card, a utility bill, and Mortgage Statement all matching the address on my Drivers License. I made the request online through there request page https : //forms.consumer.risk.lexisnexis.com/ # /freeze-self
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

To TransUnion and XXXX I am bringing to your attention inaccuracies on my credit report that have been improperly verified as accurate, despite providing sufficient evidence to the contrary. Attached is proof showing that the information you continue to report is incorrect. Your failure to correct these errors after Ive notified you is a violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), which requires you to conduct a reasonable reinvestigation, and section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which mandates that you maintain maximum possible accuracy in the information you report. 

Given these clear violations, I request that you promptly remove the inaccurate information from my credit report. I expect this to be handled urgently and in compliance with the FCRA. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the inquiry listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and this inquiry was made without my authorization.

The fraudulent inquiry is as follows : Inquiries : XXXX. XXXX XXXX - XX/XX/2024
Product: Mortgage

We are in process of refinancing our loan with a new lender. Our new lender requested the payoff quote from XXXX XXXX  several times via, email, fax and phone from XX/XX/XXXX - XX/XX/2020. On XX/XX/XXXX they enlisted my help due to non-response from our lender and I called twice trying to get payoff information. MUFG was uncooperative. They would not provide me with the payoff request, even though I am the borrower. 
After speaking with managers and supervisors the payoff request was finally send to the new lender. However, due to the delays on the part of MUFG, we came up on the deadline of our rate lock and the extension ended up costing us an additional {$720.00}. This was entirely on the blame of MUFG as they waiting nearly 2 weeks to get us the requesting information and we have everything else lined up and ready to go to underwriting.
Product: Credit reporting or other personal consumer reports

I inquired about an account with the name of XXXX XXXX XXXX on my credit report. The account number is : XXXX. I am a victim of identity theft AND this account is also showing illegal reaging which is also a violation of my consumer rights.

I requested to the company AND the bureaus : Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. My rights dictate my ability to obtain this information. I have issued a formal complaint to the FTC as well as the XXXX regarding this matter. My report shows numerous inaccuracies with the DATE THE ACCOUNT WAS OPENED, THE DATE LAST REPORTED, and THE DATE OF LAST PAYMENT.

Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts.

THIS IS ILLEGAL REAGING! Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ).

This account is currently involved in a litigation due to identity theft and further complaints are being issued through my attorney. 

This item needs to be DELETED and my report needs to be corrected IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Balance {$18000.00} Last reported XX/XX/2019 Mail and faxed dispute
Product: Credit card

I revived a fraud alert from my discover account on XX/XX/year>. I checked my account and had an inquiry from captol one. I have not applied for any credit cards this year. I immediately called XXXX, they got me in contact with captiol one, and the agent found the account with my name. The address being used was an address i lived at in TN, i have not lived there for over two years. I have frozen my credit reports, and XXXX  and captiol one have launched investigations. I havent yet, but i will also be filing a police report.
Product: Credit reporting or other personal consumer reports

I disputed an account that was placed under collections and gave email proof of the account being closed. I also have been receiving multiple calls from various agencies that I have no idea how they received my information it gets replaced under collections every 1-2 years.
Product: Debt collection

Identity theft, someone made transactions from my chase card that wasnt me, and I had my account closed due to debt that shouldnt be on me