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

My account with XXXX XXXX XXXX XXXX  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 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 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 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

FINAL NOTICE In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, and XXXX XXXX XXXX XXXX have 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 States : A consumer reporting agency can not furnish an account without my written instructions.

I never gave my written consent for the furnishing of any of these accounts. 

THIS IS YOUR FINAL NOTICE. My associates and I will pursue {$1000.00} per violation if the accounts are not deleted immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent account number XXXX with account name XXXX XXXX XXXX has violated my rights. 

15usc1681 section 602a states i have a right to privacy.

15usc1681 section 604a section XXXX : Also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I was paying on an account that was not even mine just to get it off my credit report because when i previously reported that the account was not mine and filed complaints about it. they just went ignored since the reporting bank was using my social to report the account. i have called them numerous amounts of times and no one has any record of an account ever being opened yet they are reporting a fraudluent account which is still sitting on my credit reports ( all three bureaus ). i can not obtain my credit report from XXXX  ; not by phone or online. i was able to get through a third party and found that it is still sitting there even though i reached out to the company and requested that they remove it. they sent me a letter confirming it but nothing has been removed. I have never banked with an XXXX XXXX XXXX ; im not and have never been in the military and i have never lived in XXXX, kansas ; i did not open the account it is not mine. there are also several variations on my credit report of the spelling of my name which are incorrect. i do not want anything that is not mine applied to my credit report becuase fraudsters are getting goods and services that they should not be able to get since there are fraud alerts on my credit file with all three credit bureaus. They can't even spell my name correctly. i know how to spell my own name ; this should be a clue to the credit bureaus that the merchants or whoever is fraudulently using my information is not who they say they are. the XXXX XXXX account is also still on my credit report and that is not mine. when you call them, they have no record of the correct account that was transferred over to them from XXXX with a much lower balance and when you try to pay to get it off your credit, they send the payments back because they have no record of the account they have listed on my credit report or any of the account numbers they provide. I have previously sent copies of these letters but again, nothing has been done and it all still sits on my credit report even though it is not mine. i am not going to pay these accounts that are not mine. i've already done that on one and they are still reporting it even though it is not mine and they have confirmed verbally and in writing that it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have had multiple inquires from a company called XXXX, and it has negatively affected my credit score. It will remain on my credit for a year. Please advise what I can do about this. I feel that the credit bureau discriminates on my profile, particularly EXPERIAN. I pay my bills on time and have never been delinquent. I keep all the cards current. As a XXXX XXXX XXXX, credit is essential to me. 
Please advise what my options are. My credit adjusts drastically any given month without reason. It is a struggle to raise it. For example, in XXXX, I paid 60 % of all my debt, and the score only went up 30 points. Recently because of the inquiry, they reduced my score 90 points!!! Unreasonable. I tried to get in touch with the credit bureau, but they could not explain the reasons to me. They said they have nothing to do with it. How are these credit bureau regulated then if no one has any answers? Thank you in advance for your assistance. 
Inquires dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX again XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I filed a complaint and called Experian in XXXX regarding these inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION LLC FALSELY TOLD THE CFPB THAT THEY WOULD CONTACT THE DATA FURNISHER AND PROVIDE A INVESTIGATION ON WHY THEY SHARED MY INFORMATION WITH AN UNKNOWN OUTSIDE SOURCE ABOUT A PUBLIC RECORD APPEARING ON MY CREDIT REPORT, THEIR STATEMENT CAN BE FOUND ON COMPLAINT XXXX ONXX/XX/2021. THE PROBLEM IS THEY NEVER CONFIRMED THE DATA FURNISHER AND NEVER COMPLETED A INVESTIGATION, UPON A STATEMENT BY PHONE FROM THE COURT CLERK OF RECORD, THE COURTS DID NOT VERIFY OR REPORT ANY INFORMATION TO TRANS-UNION OR ANY OTHER CREDIT REPORTING AGENCY ABOUT MY CREDIT REPORT, THIS INFORMATION MUST BE DELETED, BECAUSE THE CREDIT REPORTING REQUIREMENTS DO NOT COMPLY WITH THE FCRA 611 ( 15 U.S.C. 1681I ) PLEASE REMOVE!! OR BE SUBJECT TO CIVIL PENALTIES!
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and identity theft. As a result, the following unauthorized accounts and inquiries have been reported on my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts and inquiries be blocked and deleted from my credit report immediately.

Unauthorized Accounts : XXXX XXXX XXXX XXXX XXXX  Account : XXXX Date Opened : XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Account : XXXX Date Opened : XXXX Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXXXXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received letter today XX/XX/21 re : a XXXX debt of which is not possible. I use XXXX and don't carry any debt. Read online it's a scam and to contact you. I am contacting you in hopes you can resolve as I will not contact this bogus collection company and I will fwd this to XXXX.
Product: Credit card

Late payments occurred on XXXX, XXXX and XX/XX/2023. This reason for the late payments I was bedrest and hospitalized in between time due to serious health issues and being a high risk XXXX. I've attached a letter and hospital documentation below. Please and take it into consideration
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized access and use of my bankruptcy information that was obtained without a permissible purpose under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681a ( 2 ).

I recently discovered that my bankruptcy information was accessed and reported by [ Name of the Entity or Source ], which, to my knowledge, does not have a permissible purpose for accessing this sensitive information. This action is in violation of the FCRA.

Under 15 USC 1681b, a person or entity must have a permissible purpose to obtain my credit report or related information. As this entity does not meet the requirements for a permissible purpose, I request that you take the following actions : Investigate the unauthorized access and use of my bankruptcy information. 
Remove the bankruptcy information reported by the unauthorized entity from my credit report. 
Provide me with written confirmation of the actions taken and a copy of my updated credit report once the investigation is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Bank I forgot to pay on time but destroying my reputation due to reporting negative reports without my consent and without due process of law to fake credit bureaus such as XXXX, XXXX, and XXXX is unlawful ( 15 U.S. Code 1692d ( 1 ) / 15 USC 1681 ( 1 ) / 15 U.S. Code 1681b ( a ) ( 2 ) / 5th Amendment/ 18 U.S. Code 242/ 18 U.S. Code 1349 ). ( 15 U.S. Code 1692a ( 1 ) - Reporting to fake credit bureaus such as XXXX, XXXX, and XXXX. )
Product: Mortgage

Your company did not properly credit the payment that I made on or about XX/XX/XXXX for {$9900.00}. This payment should have been credited to all the missed payments from when I was on forbearance plan during the period of XXXX XXXX. To this date, I am still not sure how this amount was credited in the account. Currently it shows also that my payments starting XX/XX/XXXX through XX/XX/XXXX have also been deferred and I have not requested this deferral. 
I have called customer service at loancare multiple times and spoken to so many people and this issue has yet to be resolved. I have been in contact with loancare since XX/XX/XXXX to resolve these errors and nothing has been done. 
The last call that I attempted to make was on Friday XX/XX/XXXX and I spoke with team lead XXXX ( Agent ID XXXX ) who advised me she will be working on the issue and try to resolve it for me. To this date, I have not heard anything back from her. 
I have spoken to XXXX XXXX team lead at LoanCare, XXXX, XXXX ( agent ID XXXX ), and specifically my large payment that was supposed to be applied to my forbearance period was made with ( XXXX agent ID XXXX ) on XX/XX/XXXX. 
All these names of agents that I have spoken to all failed to keep up their word and to help me out with the issues in my account. This is taking so much time and effort out of my day at work. Some of the names of the agents I did not even write down because I did not think anything was going to happen anyway. 
LoanCare failed to provide an accurate mortgage payoff balance that I requested on XX/XX/XXXX. I received my payoff statement reflecting a second principal mortgage on the account in the exact balance that I paid which was {$9900.00}. To this date, I am not sure why LoanCare added a second mortgage on my account without my consent and even after me paying my FULL balance due for my forbearance period.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX and i 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 MONTHS REPORTING LATE 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.

This company 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

XXXX XXXX  was bought out by XXXX XXXX XXXX XXXX XXXX XXXX who did not carry over my preferences of informing me via text, email or USPS letter I made a dispute with the loss prevention department. I never heard resolution of my dispute from XXXX XXXX  or XXXX XXXX XXXX. I learned of my credit score dropping over 100 points via XXXX XXXX. At that point I reached out to number on my XXXX XXXX for a delinquent account from XXXX XXXX XXXX, who was the bank that bought out accounts from XXXX XXXX. They told me I had a delinquent balance of {$430.00}. I went ahead immediately and paid the balance. I reached out to XXXX XXXX XXXX. I reached out to them to this email XXXX informed them of inaccurate reporting to my credit bureau which dropped my credit score from a dispute that I never received any alerts from via email, text or letters. I was told an email was sent out in my dispute to correct my credit score. I never received any email. I reached out again and they would hang up on me when trying to speak to a supervisor. At this point my credit score is XXXX when I had an almost XXXX credit score. My drop in credit score is due to inaccurate credit reporting from the XXXX XXXX XXXX who took over my XXXX XXXX account ending in XXXX. I can not finance now the home I am renting to own. Please help me with this matter, I have tried to get this matter solved with XXXX XXXX XXXX  and they keep ignoring my requests and email correspondences. This inaccurate credit reporting is due to negligence of XXXX XXXX XXXX  taking over XXXX XXXX accounts and not carrying over preferences of customers to notify their customers via text or email alerts. They did not carry over the preferences. If I would have known of my balance I would not even be writing this note. Please help.
Product: Debt collection

On XX/XX/2018, I received a letter from The XXXX XXXX XXXX, XXXX stating that they had previously sent me a notification of a debt that was owed by me in the amount of {$180.00}. I never received the first notice regarding this debt, and therefore was not afforded to opportunity to validate the debt. The notice also states that they first mailed me a notification of this debt on XX/XX/2018. That day was a Sunday, so they could not have mailed anything to me on that day.
Product: Debt collection

On XX/XX/XXXX I received a phone call from someone stating they were from the Action Collection Agency of XXXX. They claimed that I owed {$2300.00} in unpaid medical bills dating back to XX/XX/XXXX. I had no knowledge of any such debt and asked for a written, itemized statement. The agency refused, stating I had already been sent such a statement. I had never received anything from this company prior to this conversation. The agency then claimed most of these various bills were from XXXX XXXX of XXXX. I then contacted that company. They had no record of any past due balance on my account. Furthermore they stated that they had never heard of this collection agency. The agency also claimed I had a past due amount at XXXX XXXX Hospital in XXXX. I have not been to this hospital for any reason in several years and have received no notification of any past due amount from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an FTC identitiy theft report and I sen t an affidavit of fact to the CEO of TRANSUNION about the aggrevated identity that XXXX XXXX XXXX committed. Transunion removed the tradeline but did not remove the inquiry. Please review the documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. These following items are not mine and I would like verification of all items in 15 days or deleted them from my credit report, section 609. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX Opened XX/XX/XXXX {$340.00} Original creditor : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In addition to the debt being reported on my credit report by Midwest Fidelity Services LLC not being valid, it has come to my attention that Midwest Fidelity Services LLC is not licensed to operate as a collection agency in the state of Illinois. This puts them in violation of several laws, including but not limited to : 1. Illinois Collection Agency Act ( 225 ILCS 425/4 ) 2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692e ) 3. Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/2 ) I have emailed them a cease and desist letter, asking them to discontinue all collection activities, as well as remove the collection from my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting signing issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that zelle was not only neglected to protect consumers but has also allow repeat offenders to exploit the the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

This debt is not mine and could probably be a friends of an ex boyfriend. Its been a nightmare. I was told to direct my complaint to this institution to be taken off my credit report. 


Thank you
Product: Debt collection

I called the debt collector Frost-Arnett regarding the medical debt that was sent to collections on XX/XX/year> at XXXX XXXX. The date on the first written notice I received from the collector was XX/XX/year>. When I stated that I wanted to pay for the debt they quoted me an amount that was different ( higher ) than the amount due. When I asked why the amount had increased, they stated interest had been applied. 


They would not directly answer my questions about why interest had been applied and why it was not included on the statement I received less than 2 weeks ago. After the rep refused to discuss the interest amount I requested to speak with a supervisor who said that I did not owe any interest. She also refused to acknowledge that the previous rep had told me the incorrect amount. If I had paid with the first rep they would have overcharged me illegally. 


The supervisor I spoke with told me that she did not know what date interest would start applying and that the company would not notify me before interest begins to be charged. I have not received any statement showing interest terms or amounts applied to the debt. I still do not know at what point the company had intended to begin charging interest, but they made it clear that they would not tell me the terms or send me a written statement on when the amount would begin accruing interest. 


The payment I sent to the medical provider XXXX XXXX XXXX XXXX ), before I was notified that they were sending the amount to collections, was also returned to me. They were not interested in clearing the debt or in notifying me that they intended to send the debt to collections despite having been in contact with them about the amount. I was unable to pay the amount sooner because they had not sent me the breakdown of charges to release the funds from my FSA. I requested the breakdown from them, at which point they sent the debt to collections before I ever received the breakdown. 


Neither company is willing to have an honest conversation about the owed amount, and both have refused to send me any written communication regarding their debt collection policies or interest terms. I don't know if there are any specific laws being broken, but I am concerned that they will continue to charge me fees and interest amounts despite already having paid the debt in full.
Product: Credit reporting

I was alerted by one of my credit card company that someone tried to use my card at a local gas station. I followed through with this credit company. I also received a call that someone tried to open a credit card in my name, the phone number my husband was given was to a DES office ( Department of Economic Services ), the area code was XXXX, not a XXXX number for a return call. I than received a call from a bank that a credit card and charge was made to a new account. I than did a credit report and found different spelling of my name, different address, and phone number.