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

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX AND XXXX 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 XXXXXXXX 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

On  XXXX   XXXX     2017, we paid our  HELOC balance in full.   Prior to payment we called     XXXX   XXXX   to let them know we were paying off the full balance on   XX/X/2017 .    We asked if there would be any problems if we did not mak e a  XX/XX/2017  paym ent, as full pay-off would be made   72 hours later.
We were assured it w  as ok and there would be no problems.   But  XXXX  created a major problem for us, by reporting a " late '' payment o n  XX/XX/2017 , when they assured us they would.    As the full amount of the loan, not just a monthly payment was made 3 days later and  XXXX  knew it was coming, from to notification s ; one from our ph one call and the second from the  XXXX   XXXX  notification of pa y-off seven da ys earlier, it was unfair of     XXXX   XXXX   too harm our credit with a late report.   Th e Credit Rating comp anies -Trans union - XXXX  and  XXXX - have wrongly repo rted this as a late payment The harm has been extensive, stopping us from getting a new mortgage.
Product: Checking or savings account

Ive had enough money in my account at Navy Federal to cover transactions and all of a sudden I would get a NSF fee.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all Information with complete accuracy. this account has not been late on payments complaint on the following dates ( experian XXXX XXXX XXXXXXXX XX/XX/2018. I'm now requesting you investigate and provide veriflable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I filed out an application to become a bitcoin XXXX XXXX. I received an email on Monday that my application was accepted. They send me a check with email instructions and they assigned a surveyor whos name is XXXX XXXX. I deposited the check as instructed and proceeded the next day with the assignment which was not successful because the bitcoin atm is not working. The surveyor was texting me the all time. Once I couldnt complete the assignment he demanded I buy gift cards with the money and send the rest of the money which was a total of {$3600.00} to his account. Since I thought the check was cleared I sent the money to find out the check bounced a days later. I tried calling the number is busy and no one is answering my emails. The promise was that I complete the assignment and a survey and be compensated {$300.00}.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns about the handling of my personal financial information, particularly regarding XXXX accounts and unauthorized inquiries. As a federally protected consumer, I believe that my privacy rights have been violated, and I'm requesting immediate corrective action. 

I want to make it clear that I have not given permission for my personal financial information to be shared or reported, especially concerning any XXXX accounts. If any consent was given in the past, I am now formally revoking it. I believe that your company has failed to inform me of my right to keep my information private, which is a violation of my consumer rights. 

I've found several inaccuracies in my credit report, including mismatched dates and incorrect amounts on various accounts. This suggests that proper procedures are not being followed to ensure the accuracy of the information being reported about me. 

I'm particularly concerned about the following issues : 1. Affirm accounts are being reported without my consent. 
2. Unauthorized inquiries appear on my credit report.

3. My transaction history is being shared without my authorization.

In this context, I'd like to highlight the case of XXXX XXXX XXXX XXXX Federal Trade Commission ( XXXX XXXX XXXX, 2002 ). In this case, the U.S. Court of Appeals for the D.C. Circuit upheld the Federal Trade Commission 's interpretation of the Fair Credit Reporting Act ( FCRA ), emphasizing that credit reporting agencies have strict limitations on how they can use and share consumer information. This ruling reinforces the importance of consumer privacy in credit reporting and supports my position that my personal financial information should not be shared or used without my explicit consent. 

Based on these issues, I am formally requesting that the following actions be taken within 30 days : 1. Block and remove all XXXX accounts from my credit report. 
2. Delete all unauthorized inquiries, particularly those over 30 days old and not related to accounts I currently hold.

3. Correct all inaccuracies in my report, especially regarding account balances, dates, and payment histories.

4. Cease sharing any of my personal financial information without my explicit written consent. 
5. Provide me with a free copy of my credit report showing these corrections. 

I want to emphasize that this request is not made in error, nor is it based on any misrepresentation. I am exercising my rights as a consumer to protect my privacy and ensure the accuracy of information being reported about me. 

I expect these issues to be addressed promptly and in accordance with all relevant consumer protection laws.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft, and did not authorize opening the XXXXXXXX XXXX credit card. My credit report says I owe {$640.00}, but I did not authorize opening this account. I pay all my bills I owe on time and XXXX XXXX keeps reporting me in a negative manner even though I am a victim of identity theft. I have been trying to dispute this directly with XXXX XXXX but they keep dismissing my claim and disregarding my rights. 

I have filed a police report regarding this account which I have included in this complaint.
Product: Debt collection

A collection notice was received fr om Monterey Collections,  dated  XXXX  for the amount of {$500.00}. Notice indicated payment was to be received by  XXXX , the day the notice was received in the mail.   Called spoke to a lady named  XXXX   I tri ed to explain that I had never made that purchase. She indicated she hears this thousands of times and that because it was my name and address it was my debt. That she had proof in front of her that indicated it was my debt. ( invoice ) Once again I tried to explain and  XXXX  did not accept any explanations. Instead she threaten to report me to a legal institution and that my credit will be affected/ ruined for 10 years so that when I go ask for credit I will be denied.   I understand that the same excuses are heard everyday but I do believe each individual deserves to be treated individually. At least listen.
Product: Credit reporting or other personal consumer reports

My information was leaked in a data breach and most of my information thats been reported on my credit is wrong information.
Product: Checking or savings account

To whom it may concern, My name is XXXX XXXX, I have a issue with Wells Fargo, in the morning at XXXX XXXX  my account was in good standard, and I had enough money in the account, when I Checked my account by XXXX they charge me Overdraft fee for {$35.00}, because my account was overdraft for {$7.00} I called Wells Fargo bank to make a dispute, they offered me a credit of {$8.00} and I am not agree with that, I asked them to waive the Overdraft fee. I need help to waive the late fee in my account. 
Best regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these Companies have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.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 166b A Creditor May Not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent documents to all 3 credit bureaus equifax and transunion fixed it experian just displays the same information that i have a collection and its late i sent the same information over and over for over a year and it was not fixed i sued the apartment company and won it was to be deleted off my credit report but experian is reporting it and making it difficult to find housing for my family the amount is XXXX and im a hurricane irma victim the apartment flooded and got mold and deemed unhabitable by fema i later received a collection i faught in court and won the XXXX cashed the check and never removed it off my credit i disputed with transunion i feel as though they didnt read my letter perhaps looked over the proof the check
Product: Credit reporting or other personal consumer reports

I recently reviewed my TransUnion credit report on XX/XX/2024, and identified several items that violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts listed below have been reported inaccurately and/or without proper authorization. Therefore, I am requesting the immediate removal of these accounts from my credit report : XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX , Account # XXXX XXXX, Account XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 USC 1681 ( i ) ( 5 ), when information is found to be inaccurate or incomplete or can not be verified during a reinvestigation, the consumer reporting agency must promptly delete or modify that item and notify the furnisher of the information.

Moreover, according to 15 USC 1681s-2, furnishers of information are prohibited from providing information to consumer reporting agencies if they know or have reasonable cause to believe that the information is inaccurate.

Given these provisions, I am requesting that TransUnion promptly delete the above-listed items from my credit report. Failure to comply with this request may result in further actions to ensure my rights are protected.

Please confirm in writing that these items have been removed or corrected as appropriate.
Product: Checking or savings account

Hello, Starting in XX/XX/year>, XX/XX/year>, XXXX ending on XX/XX/year>, somebody has been using a XXXX and XXXX account daily multiple times a day using my debit card. Ive been driving since XX/XX/XXXX, so I havent used XXXX and XXXX since then. I had received a text message in early XXXX stating that this is Navy Federal, your card has been locked. To unblock your card, enter your account login here. I clicked the link and entered my account information not knowing that it was a spam text. Navy Federal bank then informed me that the text message I received was indeed a fraud text. The amount used was around {$3000.00}. I noticed yesterday and called Navy Federal Credit Union and filed a claim with the fraud department as they denied it because I previously have used XXXX and XXXX. Navy Federal issued me a new card and account number but denied my claim today at XXXX. Its awful that I am being denied to get money back that I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to access my online Equifax report to file disputes to have fraudulent information removed. My access has been blocked, claiming my information was not correct. I have tried to log in multiple times in the last week to week and a half. 

my information is correct and i have never had any issues logging in until the previous dispute i filed was resolved in my favor and fraudulent items were removed. 

i am a victim of identity theft and Equifax is intentionally blocking access to my file. When I called, i was informed that i could only view results electronically. I was told at first, that there was no technical support department, and then after speaking with a supervisor was told there IS a department but they do not take calls. They told me that it was a temporary error " while they fix their system ''. I highly doubt their system has been " down '' this long. 

I WILL also be filing suit in XXXX XXXX court. this is a gross violation of the state and federal consumer protection laws regarding credit report access and dispute resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit file with the three main bureaus : Transunion, XXXX and XXXX  and I noticed I have a lot of unauthorized fraudulent inquiries on my credit file. I did not give these companies permission to access my credit file. I filed an identity theft report with the Federal Trade Commission, I need these inquiries deleted immediately from my credit file. According to the Fair Credit Reporting Act these fraudulent accounts must be removed within five days of my request
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to report incorrect balance for a XXXX XXXX Card account in the amount of {$190.00} since XX/XX/2018. This balance should be XXXX DOLLARS and I have been unable to get it corrected through the direct dispute process. XXXX  shows the correct balance which you may use to compare reports with. Thank you for your help.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We are an approved charity through Paypal which also allows you to create a charity profile on Venmo. XXXX XXXX In XXXX, I was able to create a charity profile on Venmo however I repeatedly received error messages when trying to use the charity venmo account. 
I reported this to Venmo in XXXX and they identified it as a bug and it has been sitting with their engineering team ever since. I have been repeatedly following up as it is now 4 months passed and it still has not been fixed. 
Today, the Venmo customer service representative accidentally deleted our account which also makes our username ( OUR CHARITY NAME!! ) unusable. 
The representative told me that the only way to correct my account was to also delete my personal account ( which I will also lose my personal username, which is my full name ). 

These venmo support and resolution practices are unacceptable. We have missed 4 months of fundraising opportunities due to being inaccessible to our charity venmo account.
Product: Debt collection

Since  XXXX     2016 I  have been going back and forth to have these accounts contained in my credit file removed. This company has had over   XXXX  accounts listed a s me being the debtor. I contacted this company was told that checks written and was returned. I requested documentation and documentation was provided to me however. The identificaiton number listed on the checks is not mines. I  have provided this company with a copy of my drivers license to verify the license number listed was not mines. They have removed a great deal of the accounts however there are still  XXXX  accounts reporting.I do not have the time, and money to continue to send letters. I have provided all the documenatation I possibly can provide. If you look at the   XXXX   different checks I attached those numbers are not the same. I am not sure how they linked me to this account but I want this matter resolved once and for all.
Product: Credit card

Dear CFPB, In XXXX XXXX I contacted my bank to close my account due to fraudulent activity. I asked that they return my balance of XXXX to Social Security, but they said that wasn't possible. They said Social Security had to recall the funds from them. I contacted Social Security and they said this wasn't true, that Comerica Bank had to send my funds to Social Security. I ask that Comerica Bank return my funds to Social Security at this time. 

Thank you for your assistance in this matter.
Product: Vehicle loan or lease

I have been asking Exeter finance to reason with me about my interest rate its 25 percent and I owe more than the car is worth payments XXXX 72 month term
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service

my name is XXXX XXXX I used cashapp as a cash transaction to another consumer. This guy was advertising a laptop on the website XXXX and only asked that I pay for shipping because he had purchased a better one and just wanted to help someone less fortunate. He sais he just wanted me to write a small paragraph about whay I needed the laptop, He then asked me to send him XXXX dollars but not through XXXX  because he wanted to send it through another mailing service so I could get it quicker, He then asked me to text him my address so I gave him my pobox and he sent him the transaction. Right after that he told me it was a problem with the transaction. He then said he received it and would text me back when he ships the package. I then tried to call but no answer. Then I requested a refund through cashapp and he denied it an blocked me for requesting another refund. I then contacted cashapp but they said it was nothing they could do. I went back and forth with them for a couple days before opening up a claim with the XXXX. they gave the XXXX  the same answer that it was nothing they could do. I didn't accept this and asked the XXXX  to pursue further. This went on for weeks and finally the XXXX  closed my case and said if want to continue to try and get better results and my refund I should contact this company. Its not just about the money more than the principle that cash app doesn't have a better system to protect consumers from fraud and their not held responsible to get their consumers refund back. this is thenumber he gave me XXXX XXXX XXXX his cash app is XXXX XXXX. I also have text messages if you need them
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove XXXX XXXX XXXX from my credit report, here is a copy of the letter from XXXX XXXX XXXX asking the credit bureaus to remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

COMPANY CONTACTED ME VIA EMAIL. I REQUESTED INFORMATION TWICE, WHICH IS WHAT THEIR SYSTEM ALLOWS, AND I DIDNT RECEIVE IT. ON XXXX, XX/XX/XXXX, THE COLLECTION WITH A BALANCE OF $ XXXX WAS PLACED ON MY EQUIFAX . THIS ACCOUNT IS FRAUDULENT AND A FTC POLICE REPORT WAS FILED.
Product: Credit reporting or other personal consumer reports

My Ford car lease expired on XX/XX/24. I had been trying for weeks to either extend my car lease for an additional few months, or get another lease. I was not getting anywhere with obtaining an order number for a new car lease, so my car salesman ( who my family has been using for years ) was now solely working on obtaining an order number for an extension on the lease. I followed up with him daily to see how it was going with the order number and he said they were having extreme trouble getting order numbers in general for all customers. I sent in a personal check for another month for the car lease of my usual {$310.00} to Ford credit company and they cashed it on on XXXX I have always done auto pay so I have never paid for a payment over the phone or via mail ( you can check as I have never had a late payment in my life ). This entire situation has been very confusing as I do not understand why Ford would not give me an order number to extend the lease. I work XXXX jobs, pay my bills on time, my family and I have been loyal customers for years on end at Ford, and I tried my absolute hardest to obtain an order number for the extension. On Sunday the XXXX, I woke up to an email from XXXX regarding a past-due balance and that my credit score was negatively affected. This has been very upsetting because I am in the process of moving out and my credit score is now going to be a factor in if I get approved or not. My credit score has been a steady XXXX. This one missed payment brought down my score XXXX points. Again, I have never missed a payment ever in my life especially regarding the car lease. I am outraged that Ford would/could affect my credit score by - XXXX points. This is truly impacting my life in the worst way, adding extreme stress and frustration. I called Ford credit company and they told me they couldn't help me, but would escalate to the supervisor. This conversation occurred on Monday. I asked to be transferred to the supervisor, but I was told the supervisor will call me back as a ticket has been put into the system. It is now Wednesday the XXXX and I still have not heard from them. Ford did not provide me with a number to the supervisor either, so I can not even follow up with her/him.