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

My account with EQUIFAX EXPERIAN TRANSUNION 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.

EQUIFAX EXPERIAN TRANSUNION 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 or other personal consumer reports

This is my complain that I am a victim of identity theft and I write to dispute certain Items in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please removed the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$100.00} XXXX XXXXXXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I only applied for one credit application and now I have 14 hard inquiries that I have no knowledge of or have my consent
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report and am a victim of identity theft. Here are the inquiries ; - Capitol One Bank USA ( XXXX XX/XX/XXXX ) - Capitol One Bank USA ( XXXX XX/XX/XXXX ) - Capitol One Bank USA ( XXXX XX/XX/XXXX ) - XXXXXXXX XXXX ( XXXX XX/XX/XXXX ) Please have these unauthorized inquiries removed from my credit report.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXXXXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXXXXXX XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am attaching a FTC report containing XXXX  fraudulent accounts as well as XXXX  fraudulent inquiries.
Product: Checking or savings account

I have to withdraw money from my XXXX using XXXX XXXX  They send me a check I deposit this check # XXXX $ XXXXand a second check # XXXX total {$83.00} on XXXX XX/XX/2023 the check was cleared on XXXX XXXX deposited to my account routing # XXXX checking # XXXX I went to used my debit car to put gas was declined I call chase bank from J P Morgan ( chase ) they tell me they put both checks on Hold I went to the chase bank in XXXX XXXX I spoke to XXXX XXXX he call someone else they say they put a hold and restrictions on my account and I have to wait until Wednesday XXXX XX/XX/2023 today I check the account I have a positive balance I went back to get groceries and gas, again declined I went to bank again I have to wait 2 hours because XXXX the banker was assistant another client I call customer service they start asking me questions about where I work before then she says they cant removed the restrictions on my account. XXXX tell me the other lady on the phone want to speak with me then she keep saying the same I have to wait another 10 days I show the banker the two emails they send me saying the hold on my account was removed but they keep saying I have to wait XXXX more days I get upset I ask why? I need my money this lady then tell me Chase bank will issue a check and send it to my home address I ask why? Your customer service say you dint have my money because XXXX has not funds now you are saying chase bank will send me a check for Botha check I deposit in 10 days? I dunno what is happen Im having XXXX on XX/XX/XXXX this was the reason why I have to used my retirement money to pay my copayments I need my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I've been locked out of my online TD BANK Credit card and I can't sign in to make payments. I called on XX/XX/21, XX/XX/21 and XX/XX/21. Each time I called and I got transferred to 3 extensions and no one can help me to gain access to my account. First they tell me I don't have an account. Then I ask to send me a paper statement so I can pay it and close the account and they can't send me a paper statement because I chose paperless statement online so they can't change it. 
I have never been through such craziness and am now desperate for help!
Product: Credit reporting or other personal consumer reports

I went to purchase a vehicle and I noticed inquiry that are fraudulent on my Consumer Report. I have not applied for credit or entered into any contractual agreements with XXXX XXXX XXXX or XXXX XXXXXXXX XXXX during the time periods indicated by the inquiries. As these inquiries were conducted without proper authorization, I kindly request their immediate removal from my credit report to prevent any negative impact on my creditworthiness.
Product: Credit reporting or other personal consumer reports

late payments inaccurate was suppose to be in deferment status. 
XX/XX/2018 DEPT OF ED/XXXX XXXXXX/XX/2018 DEPT OF EDXXXX XX/XX/2018 DEPT OF ED/XXXX XX/XX/2018 DEPT OF ED/XXXX XXXXXX/XX/2018 DEPT OF ED/XXXX  XX/XX/2018 DEPT OF ED/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I had my client send me money through my Venmo. The amount was for {$930.00} and it cleared from her checking account. I sent {$330.00} to my checking account and then attempted to send {$300.00} to another venmo account holder and Venmo froze my account. I have gone back and forth with various customer service specialists and their supervisors everyday since then. I was told that it was most likely frozen because I needed to provide more information to verify my identity ( which I did immediately ) I was told it would take 7-10 business days for the reason why it was frozen in the first place to be determined and my account be unfrozen. It has been 16 business days and I still have {$600.00} in my Venmo that they refuse to allow my to transfer out. The only live customer reps that I have access to speaking to claim they have no way to communicate with the other department who handles this and therefore nothing that they can do. I now believe that Venmo or some 3rd party is scamming me and has stolen my money. I dont know what else to do. This has cost me a huge job that I was supposed to complete because the money sent to me is being unjustly held and my customer has since filed complaints and her Venmo account is now frozen as well. I dont know what else to do in this situation
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX, XXXX. 
Account number 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account reporting in my credit from wake field and associates I never opened this account or did I give permission for this account to open with a balance of XXXX .. I gave tryed to resolve this with the company and would like this to be removed from my credit report due to fruad and and not being able to provide supporting documents that I opened this account
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On 'Previous Address ' section lists some places I have never lived at or even visited as follows : XXXX XXXX XXXX Fl XXXX on XXXX/XXXX/XXXX and XXXX XXXX XXXX NY XXXX on XXXX/XXXX/XXXX. Credit Agency only replies 'Does not affect my credit score ', but I do not believe them! If someone living in those places has bad credit or blemished record, surely would affect my score! Plus, my record unblemished but scored low, so does not make sense! This error & associated record should be changed, not merely stating not affecting my score. Each year stays on my record & must be eliminated with associated depressing of my score.
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 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 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 21 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 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

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

It all started on XX/XX/XXXX when I received a text to my personal cell phone that looked like it was from USPS ( possible url had a lower " t '' in it instead of USPS, it was XXXX ) about a delivery failure and they needed me to click on a link to provide my e-mail address and pay {$0.00}. Which I did on my credit card. This text had a tracking number from USPS that I believe was my original tracking number from two weeks prior when there was a real delivery issue. I was then a victim of smishing. As soon as I provided my credit card number from Citibank and my address, I immediately cancelled my card. They issued me a new card which had not been delivered yet. On Wednesday morning XX/XX/XXXX, I received a text from Citibank fraud saying you need to call us due to a possible fraudulent transaction. I called the number from my text and they told me that there was a transaction in the amount of {$390.00} to a XXXX XXXX in California and that Citibank had blocked it to protect me. I may or may not have confirmed the new card member that's in the mail which is the number that was apparently used for the {$390.00} transaction. I canceled that card too and now there's a third one on the way. My issue is I believe the original Citibank fraud phone number that was texted me for me to call which is XXXX IS A FRAUDULENT and fake Citi fraudulent department #. I then contacted Citibank PH # on the back of my credit card and they confirmed that they do not have a phone number as XXXX and they have no record of that number calling me or me calling it. They do have record of me calling the actual number as well in the last two days. So I am reporting fraudulent activity from someone pretending to be from the USPS, and then providing a fake Citibank fraud number to get my second credit card number. Apparently, this is a known smishing fraudulent activity that USPS is aware of. I have since made drastic measures to protect my info, including using an encrypted password manager. I even called USPS to make a fraud claim and asked about how a person could change my mailing address and they said as of XX/XX/XXXX, it is required for people to come to a post office in person to provide 2 forms of ID before any address change can be made. Not knowing if I called a fake USPS, I went into a local USPS station and it was confirmed by a supervisor, that address changes policy changed in XX/XX/XXXXXXXX  as the person on the phon had told me.
Product: Credit card

Capital One reported that it experienced a data breach and that the information reported is incorrect but they still continue to report 4 late payments on the 3 credit agencies XXXX, XXXX and XXXX this is a violation of my rights as a consumer. Please fix errors in my credit report and report me. I should not have 4 late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to INNOVIS I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked them to show proof of being 30 days late. I have not been late and have made all payments. I have asked them multiple times and they refuse to show proof and refuse to removd
Product: Vehicle loan or lease

Under 15 US code 1650 deceptive contract.. this vehicle was given back and sold in auction.. I was not responsible for anything afterwards.. please remove this off my credit
Product: Credit reporting

XXXX of my student loan payment history is incorrect on all XXXX of my credit reports. It states I was 90 days late during the months of XXXX & XXXX when I had an active forbearance during these times. I submitted disputes via mail with all XXXX credit agencies 3 separate times since XXXX. Each envelop contained a dispute form with all XXXX student loan late payments errors listed, proof from XXXX confirming I had an active forbearance during XXXX & XXXX, & a copy of my drivers license. Conveniently, all documents were scanned except the proof from XXXX. They can not tell me what happened to that piece of paper, but they have the other items in the envelop. I am a single mother attempting to buy my first home and these errors are preventing me from being approved for a home loan. I do not have to money to pay an attorney to have these removed and I should n't have to, this is not my error. Please help me correct my credit report. Thank you!! P.S. I have proof if needed, but I did n't want to upload to this site since it stated not to disclose sensitive information.
Product: Checking or savings account

There isn't a box for this issue, and it applies to many banks across the country. 

Banks use micro-deposits to link bank accounts. The banks then withdraw the funds. Some banks withdraw the money in one lump sum, but others like Mid First Bank remove the deposits in two separate transactions. The withdrawal counts as one to two transactions when the US government permits only six transfers in a month. These are not real transactions, and the government should not count them as one or two of the six. If the government continues to count them, then the government should require banks like Mid First to withdraw the monies as one credit versus two.

An alternative is to use another system rather than the old method of micro-deposits to verify the legitimacy of the bank accounts. The consumer is not in a position to negotiate the methodology but is impacted by it. The banks have no incentive to update the system. 

Banks like XXXX XXXX XXXX recognize the issue and leave the micro-deposits as a gift in the banker 's account. I am not familiar with any other institution following this practice. But, it solves the dilemma.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year and a half, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the unverified negative account on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of these items.
Product: Credit reporting or other personal consumer reports

My first XXXX was XXXX XXXX and sealed. That shouldn't be included nor affect my hiring processes. I also was XXXX of all charges for my case that was settled in XXXX. The district attorney and judge was on my side. I want retribution. That has been affecting my job search long enough!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : 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 this item 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.