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

My account with 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 60 days 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 XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8.Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account XXXX XXXX XXXX Please remove it from my credit report. 
9. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint against TransUnion regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute certain information that I believe is erroneous. Despite my initial contact, I have not received any response or resolution from TransUnion. The following are the details of the disputed accounts and the required corrections : 1. Account Name : COLLECTION Date Opened : XX/XX/XXXX Balance : {$3700.00} Original Creditor : COLLECTION 2. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} 3. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Original Creditor : COLLECTION 4. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Original Creditor : COLLECTION 5. Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} 6. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} 7. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} 8. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} I firmly assert that the accounts mentioned above are not mine, and their presence on my credit report is incorrect and unjust. I dispute the accuracy of the reported balances and past due amounts, especially for accounts that are closed and charged-off. These inaccuracies have adversely affected my credit score and financial reputation, causing significant prejudice to my creditworthiness.
Product: Credit card

On XX/XX/2024 I applied for a travel credit card through XXXX that was to pay me 5 % cash back on travel purchases. I charged {$3100.00} on that day. About a week later ( upon receiving my physical credit card ), I attempted to utilize the card to charge payment to a hotel, but was turned down. Upon calling, I was told my account was frozen because of possible fraud. 
In order to fix it, I was told I needed to send copies of a drivers license, Social Security Card, and a utility bill within an e-mail. Luckily, the people at XXXX were willing to do this for me, because I have no idea ( I am XXXX XXXX XXXX ) how to do that. 
When I asked about my cash back, I was told I needed to be verified in order to find that out. 
I would expect Comenity Bank still expects payment while this investigation is going on. I believe I am also entitled to the cash back in a timely manor. Either they are dragging their feet to avoid paying me the money I am entitled to or they are gathering more information on me to sell. Either way, I believe they are intentionally delaying payment and Ill bet I will need to jump through many more hoops in order to receive the money I am entitled to simply by using the card. 
On XXXX XXXX I called for the fourth time. I was told they did receive the email containing my information. They said it would be reviewed and I would be notified in about XXXX days as to their findings. However, about an hour later I got a letter from Comenity with detailed instructions on how to e-mail the information. It specifically stated the information needed to be emailed as a PDF and that both sides of the SS card needed to be sent. I am guessing they will reject my information because of some formality. 
In a normal world I would expect them to quickly get me the rebate I am entitled to, but am betting this will not be the case. 
On XXXX, XXXX I mailed payment in full to Comenity Bank. I also began this complaint against them with the Consumer Financial Protection Bureau. 

The reason I began this complaint is because I do not expect Comenity to do the right thing by getting my cash back to me without extra urging by the Consumer Financial Protection Bureau. I do not intend to ever use this credit card again so I can really care less about their actual findings. Again, the cash back is the issue.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA Section 605B ( 15 U.S.C Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing ton my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This Fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX for the amount of {$7300.00}. XXXX XXXX XXXX with a balance of {$22000.00} and also original balance of {$15000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Report Number XXXX as proof from the U.S Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

Got a loan for {$13000.00} under a 0 % interest promotion from Synchrony. The promotion was represented to us as a 24 month promotion. In XXXX, after 18 months, they said we failed to pay it off within the 18 months and charged us {$5000.00}!!! Not only were the terms misrepresented to us but they also NEVER sent us account statements and NEVER even tried to notify us about thew imminent material changes to our account. We never noticed because they " encouraged '' us to set everything up for their " e-bill '' which charges your checking account directly thus negating the consumer from thinking of the account / bill and never noticing when their misrepresentations come due early. XXXX is 40 % of the original loan. THAT is loan sharking. How is that even legal?
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX XXXX  # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I noticed a purported debt on my XXXX credit bureau reported by the US Dept of Ed. The item the report indicated an opening date of XX/XX/XXXX, XXXX years after I took any college courses. I contacted the phone number in the report, and received a bill from ECSI which alleged that I owed them money from XXXX Perkins loans. The bill sent to me by ECSI ( the first one I ever received from them ) indicated a " last payment '' date of XXXX/XXXX/XXXX. I have n't made any payments on any student loans since XX/XX/XXXX, when I paid off all my student loans to another creditor ( and have never made a payment to ECSI ). I disputed the item with XXXX and in writing to ECSI. ECSI responded with promissory notes that totaled less ( {$1500.00} in the promissory notes vs. {$2500.00} in the bill the sent me ) than the amount of the purported debt and were from XXXX years prior to date ( XX/XX/XXXX ) indicated in the XXXX report. The same XXXX report shows the student loans opened by me when I was in college were paid in full with no missed payments to another creditor. I believe ECSI is erroneously attempting to collect a debt I 've already paid to another servicer.
Product: Mortgage

1. In XX/XX/XXXX-XX/XX/XXXX, I made XXXX investment (rental) home purchases in Florida. Fraud intent loan applications were submitted by mortgage brokers wilfully, selling XXXX apartments in same complex to me, same day. Submitting my applications fraudulently (for 1st and 2nd mortgages on each) to 1. Different banks on same day ! 2. Putting "primary residence' as info so banks can make the loan-all can profit from such practices. Such banks were: Bank of America, Countrywide, XXXX, XXXX, and others that went under since !

2. Now these BAD LOANS are sold (for pennies on the dollar value) to XXXX 'bad loan' shark markets, that engage "collection agencies', these then employ/ recruit law offices to sue to collect as much as they can in a) settlement or b) lawsuit for full amounts plus ridiculous/ "max ALLOWABLE CUSTOMARY" charges Law office charges for income garnish.

3. All in all : Victimization. And only a few are selectively so, while others have been consolidated on paper by system bankrupted by such pratices.

I am also going to write such details to political parties and presidential candidates, so that others in my fraud intent forced situation can be protected.
Product: Debt collection

I recently filed a report with XXXX, XXXX, and XXXX  of inaccurate items being reported on my credit reports. XXXX  and XXXX  removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX  did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

XXXX has incorrect information by XXXX Never applied or requested XXXX XXXX  is complete fraud on XXXX behalf placing this account on my credit file I never applied for XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

We want to direct your attention to a letter addressed to : XXXX XXXX XXXX XXXX On behalf of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD.XXXX Notes : Whom have filed a false claim on my credit report and have failed to provide evidence to what happened with a {$2000.00} deposit submitted in confidence since XX/XX/2012??? Falsely claiming I owe {$2400.00}, without an accounting of the deposit, this is a false claim currently driving my FICO score into the ground preventing me from attaining a VA home loan and funding for my businesses! They have " NO '' claim, we demand this claim be removed from my credit report and can be verified by my attorney " See contact info for my attorney '' below! 

Our Litigation Attorney Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ca.XXXX Tel ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I got XXXX, phone XXXX XXXX XXXX, to install solar panels, they introduced Mosaic, license XXXX. It has passed 8 months and I do not have my solar working, and I have been paying doble, paying XXXX  XXXX, and paying Mosaic, so I get tired of it and suspended any payment to Mosaic, because I am paying for a product which I do not have. XXXX is playing games with me and nevada power. They installed more panels than necessary, and XXXX  XXXX, is not approving it. Also they try for me to lie to XXXX  XXXX to have it approved. Spoke to Mosaic today, and the costumer service said that I have to pay, even if I do not have the product!!! They said my account is delinquent and that I have to fix it with XXXX! Outrageous! XXXX is not doing anything. I have for 8 months now a useless solar panels over my roof and double paying. How can I cancel my account with Mosaic and have the panels removed? Please clarify me about the law and my rights as a consumer. Thank you so much.
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, 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 an 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. 

These inaccuracies are stopping me from obtaining a reasonable car payment and purchasing a home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I LOOKED AT MY CREDIT REPORT AND NOTICE ACCOUNTS THAT I NEVER OPENED
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns about several issues I have identified on my credit report. Upon reviewing it, I discovered multiple inaccuracies, including incorrect account listings, unauthorized inquiries, inconsistent billing information, and accounts that do not belong to me. These errors are affecting my financial well-being, and I urgently need your help to address them.
Product: Checking or savings account

From the date of XX/XX/2022 until present I've been a constant victim of identity theft and fraudulent bank account openings please help me
Product: Mortgage

I am writing to complain that a very important and useful institution that I use may go out of business, and they say it is because the CFPB is interefering. For many years, Nationwide Biweekly Administration took my biweekly payments and transferred them to my mortgage company, which at one time was XXXX Mortgage. When XXXX Mortgage was not properly distributing my funds and I could not get them to respond to me, NBA aided me and the problem was resolved. XXXX has since gone of out business but NBA has been there all along to help. XXXX XXXX is from Ohio, as am I, and I supported him in his elections here, and worked with his own former staff when I was a XXXX at the XXXX XXXX XXXX of Ohio. I was very happy with his success in getting this position in the Obama administration, which I have also supported. However, I am very unhappy with this situation, NBA, located in XXXX, Ohio, has been a great help to people like me who which to have their loans serviced. This is a setback which I do not appreciate. Please consider what you have done in this regard and restore NBA 's ability to work for consumers like me. Thank you.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it's explicitly stated that consumer reporting agencies, like XXXX, Transunion, and XXXX, must conduct their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I'm asserting my rights supported by 15 USC 6801, which emphasizes Congress 's policy that financial institutions must consistently respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, categorized as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in accordance with the written instructions of the concerned consumer. Both the financial institution and the consumer reporting agencies, XXXX, Transunion, and XXXX, lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of 15 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( 5 ), XXXX, Transunion, and XXXX are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. XXXX and XXXX are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. XXXX, Transunion, and XXXX are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank and XXXX XXXX  US Bank reporting late payments and delinquents 30 to 90 days late. XXXX some false statements on reporting late and no available credit i have bank statements and checkbook statements are available a few payments maybe 2 days late because of mailmen postal delivery.
Product: Credit reporting or other personal consumer reports

I am writing to formally report an issue I encountered while applying for a car loan through CarMax. With out my consent, they ran my credit through multiple companies. I spoke with a representative who assured me that this was acceptable and that all inquiries would be consolidated into one once I finalized the vehicle purchase.

However, I have noticed that my credit report still reflects an excessive number of hard inquiries, which is negatively impacting my credit score. I believe this contradicts the information provided to me by CarMaxs representative.

I would appreciate your assistance in addressing this matter, as I was misled regarding the consolidation of inquiries. Thank you for your attention to this issue.