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 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

On or about XX/XX/XXXX I received notice from Experian that my available credit had decreased for my XXXX XXXX account ending in ... XXXX. A login and perusal of my Experian credit file revealed that my XXXX/XXXX  account reported the following information : Account type NA Responsibility : Individual Date opened : XX/XX/XXXX Status : NO STATUS. 
Status updated : XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment : NA Credit limit - Highest balance : {$0.00} Terms : NA Spoke to XXXX ( XXXX ) on XX/XX/XXXX who verified that none of that information was accurate and immediately reported the correct information to Experian, while I disputed the inaccurate information with Experian. On XX/XX/XXXX, Experian sent me an email saying the following : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
A review of my report showed the same inaccurate so I contacted XXXX and spoke to XXXX. He verified my conversation with XXXX and suggested I call Experian at ( XXXX  ) XXXX-XXXX  which DOES NOT provide access to a live representative. XXXX confirmed that XXXX 's information reported to Experian on XX/XX/XXXX indicated a credit limit of {$5100.00} and an available balance of {$2700.00} with an account opening date of XX/XX/XXXX. Experian has a duty and responsibility to accurately report information supplied by a creditor and not a lie saying the verified the information. XXXX can be contacted at ( XXXX  ) XXXX-XXXX  to verify the information that should be reported by Experian.
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted complaint # XXXX which included an identity theft report. Persuant to 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of appropriate proof of the identity of the consumer. on XXXX XXXX was given proof of the identity theft and has failed to remove the items within 4 days
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request to Remove and Block Fraudulent Information Under Section 605B of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to inform you that I have been a victim of identity theft. This letter is a formal request pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, to remove and block all information from my credit report that resulted from fraudulent activities conducted by an identity thief. 

Please note that some of the fraudulent accounts or inquiries may list names and addresses that differ from my own. These discrepancies are a direct result of identity theft. The name and address deliverable to me by the United States Postal Service ( USPS ) are as listed at the beginning of this letter. For verification purposes, I have included copies of documents that prove my current residence, such as a utility bill and a government-issued identification card. 


To assist you in identifying the fraudulent information that needs to be blocked from my credit report, I have provided below the details of the accounts and inquiries that were not authorized by me : Enclosed with this letter are copies of the following documents, which support my claim of identity theft : XXXX. XXXX XXXX a. Account Number - No Account Number -Theft 605 b and account number Not fully listed or accurate Violates FCRA Please Block and Remove b. Date Opened - XX/XX/XXXX XXXX Balance- {$20000.00} XXXX. XXXX a. Account Number - -Theft 605 b and account number Not fully listed or accurate Violates FCRA Please Block and Remove b. Date Opened - XX/XX/XXXX XXXX Balance- {$3000.00} A copy of my identity theft report or a police report indicating that I have been a victim of identity theft. 

Proof of my identity, which includes a copy of my government-issued ID and a utility bill showing my current address. 

A list of the fraudulent accounts and inquiries ( listed on the other Letter ), as mentioned above.

Under Section 605B of the FCRA, I request that you remove and block the aforementioned fraudulent information from my credit report within four business days of receiving this documentation, as mandated by the Act. Furthermore, please cease reporting the blocked information to any other credit reporting agencies.

I also request a written confirmation from your agency once the fraudulent information has been removed and blocked from my credit report. This confirmation will help ensure that the integrity of my credit information is restored and maintained. 

Thank you for your prompt attention to this serious matter. I trust that your agency will take the necessary actions as required by law to assist me in resolving the issues caused by identity theft. 

Should you require any additional information or documentation from my end, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email ]. 

Sincerely,
Product: Credit card

I called to open a dispute and provided the information the requested. Once I opened a dispute the merchant requested I return the product. I returned the product with the label provided by the merchant and they never refunded me. 

When I contacted capital one they then said that I shouldn't have used the merchants return label and I should have paid to send it back. I also should have requested a signature to prove they received it. I asked them to send me information outlining these requirements and they said that it wasn't available to me. I then asked where on your XXXX XXXX  XXXX does it say that and they said it doesn't. 

They then said it's a request from XXXX. I said ok can you show me where XXXX  outlines that information and they couldn't. 

So at this time I opened a dispute for a vendor not able to returning goods. Once I opened the dispute the vendor waited until the very last minute for the 30 day dispute time and responded to capital one. After that they then sent me a return label so I could ship the product back. They said that after receiving the product they would process a refund in 5 business days. It has been 2 weeks and I have no communication from the vendor and no way to reach out to them. Capital one said shouldn't have used their return label and I am out of luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Date of BirthXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear [ XXXX / XXXX XXXX Transunion ] , I am writing to request an investigation of the following information on my [ XXXX / XXXX XXXX Transunion ] credit report : Dispute 1 : The charge-off of an obligation with [ XXXX ] is incorrect. The following is the identifying information of the error : Account XXXX [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] [ XX/XX/XXXX ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] Dispute 2 : The charge-off of an obligation with [ XXXX XXXX XXXX  ] is incorrect. 
The following is the identifying information of the error : Account XXXX [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] [ XX/XX/XXXX ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] Dispute 3 : an obligation with [ XXXX XXXX XXXX XXXX ] is incorrect. 
The following is the identifying information of the error : Account XXXX [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] Dispute 4 : an obligation with [ XXXX XXXX XXXX ] is incorrect. 
The following is the identifying information of the error : Account XXXX [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] Dispute 5 : an obligation with [ XXXX XXXX XXXX ] is incorrect. 
The following is the identifying information of the error : Account XXXX [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] To further support my claim, I have attached documentation including : A copy of my credit report. 
identity theft complaint. 
Drivers license & SSN card Please let me know if any additional information is necessary to remove the charge-off and late payments from your records. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been trying to get XXXX XXXX cards in my name for years and they will not take the inquires off my credit report. I have been disputing my inquires with them for years I have been sending my dispute letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX where all 3 credit bureaus say to send disputes. After calling XXXX XXXX dispute department they say I have been sending letters to the wrong department and that I need to dispute the inquires with the 3 credit bureaus. The address I was supposed to be sending disputes to is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told by the XXXX XXXX employee. XXXX XXXX credit card applications are confusing some say they will not affect your credit and and some dont mention that they will do a hard credit pull. The 2 XXXX XXXX credit card applications that I applied for business credit does not state anywhere that they will do a hard inquiry on your personal credit. I look for the fine writing and I can not see it anywhere on the application even though they say it is there, the place where they ask you to put your social security number they only say it is for identification purposes only it says nothing about a hard credit pull. You shouldnt have to read a book or search for something that can lower your score. That should be in big bold letters on all applications so a customer is well informed because some applications dont affect your credit but they are from the same company and you can not tell them apart.
Product: Credit reporting

I am filing this complaint because EQUIFAX has ignored my numerous request to provide me with the documents that their company has on file that was used to verify the accounts I daisputed being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA-They are required to '' Promptly delete all information which can not be verified '' that I have disputed. Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is paid in full as shown on my credit report yet they are also reporting it as a charge off and it is inaccurate and making my score go down. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Debt collection

We lived at XXXX XXXX at XXXX XXXX. Our lease was up XX/XX/2021. We told the leasing agency that we were unsure if were going to resign our lease as we had orders to move to XXXX however, we weren't sure if the orders were going to come through. This was in XXXX, XXXX. The management office threatened us with increased rent and fees if we did not give them exactly sixty days to resign the lease for twelve more months even though we weren't sure if we were going to stay or go. 

We were bullied into signing the lease for another year. BEFORE our ORIGINAL lease was up we got orders to move to XXXX, Washington and we told the leasing agency that we were in fact going to move out and to please cancel the new lease before it took effect. The manager and the assistant manger said that it was not going to be a problem and that they would work with us. All keys were turned in on XX/XX/2021 and the apartment was cleaned and looked brand new. We have pictures. 

A month later the leasing agency sent us a letter stating that we owed for cleaning and for XXXXXXXX XXXX rent. I was perplexed because they had already rented out the new apartment. I spoke to the manager and she said that the management company required us to pay XXXX XXXX rent even though new tenants had already signed a new lease. The manger expressed that even though we didn't start the new lease, w e still owed for XXXX. This was news to me. 

I don't believe we should have to pay for XXXX 's rent and the cleaning fee. We vacated the apartment when our original lease was up. If the apartment had any regular wear and tear, the month of XXXX would have been the time for Maintenace to go in and fix it giving the new tenants a fresh new place to dwell. We do not owe for XXXXXXXX XXXX rent. Please help us with us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX   FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card

I requested that my personal information was deleted in compliance with their regulatory requirements, and the company refused, citing unexplained business and legal reasons. I have attached my detailed request, along with their denial. This bank is a XXXX.
Product: Checking or savings account

On XX/XX/XXXX an unauthorized bank wire of {$8700.00} came out of my Citibank account without my knowledge, without my verbal consent, and without my written consent. I was made aware of this about a couple hours later when I blocked my account. I then filed a notorized affidavit with Citibank the following day on XX/XX/XXXX. Since then I have filed police reports with XXXX, FBI, online fraud, and XXXX 

They have not found a resolution, nor have they credited my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made to payment in full to Mercedes Benz Financial Services ( MBFS ) on XX/XX/19 before XXXX ; however, MBFS posted the payment at a later time and date falsely reporting my account as a late payment to the Credit Bureau.
Product: Debt collection

I was the XXXX  of a XXXX XXXX XXXX called XXXX XXXX XXXX. About 4-5 months ago Citi Bank sent a XXXX in the amount of {$1000.00} to my company. As you know all income of a XXXX XXXX XXXX goes to the individual owners.

The debt was a result of an unpaid XXXX  credit card obtained in the name of my company by one of my employees. THAT EMPLOYEE PERSONALLY GUARANTEED THE DEBT. Citi Bank has confirmed with me that they have no record of me authorizing said credit card or personally guaranteeing it. In fact, they have no record of me ever doing business with their bank, which is exactly correct. They have told me that payments were consistently made on this card until, at some time, they stopped with a remaining balance. They have no record of me or my company making said payments.

Citi Bank investigated this matter for fraud and said there was none. When I asked them to produce records that I authorized this credit card or that I had personally guaranteed it, they could not.

Citi Bank said they did not pursue the debt from the guarantor since the card was in a company name.

In effect Citi is claiming that regardless of who opens a credit card or guarantees it, if it is in a company name, the company owes it. This is ridiculous on its face.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX repossed my car even though i was in the military and protected under SCRA in 2019. I called the lender and they said they didnt care and that i have no right because i owed them money. I WAS NOT AWARE OF MY RIGHTS under SCRA.

The reporting of that account is wrong on payment amounts, dtaes the account was closed and the date of last reporting. Its different across all 3 credit agencies and i put a dispute some time ago and they reported that everything was correct. The dates do not match up to eachother from ahency to agency. 
2. XXXX XXXX, XXXX, XXXX also failed to get accurate date on last reported and last payment dates. Sent dispute to credit agencies and came back validated. Still the dates do not match from agency to agency. I need help. I am trying to fix my credit and I can not tell what debt is mine and what is accurate or what is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

A remark was made from XXXX  XXXX XXXX on my credit report, which significantly lowered my credit score. When contacted XXXX XXXX XXXX, rep was not able to find or locate such remark. As a result, XXXX XXXXXXXX XXXX was not able offer a solution to resolve the problem, while the remake remains in my credit report. This is detrimental towards my financial well-being as my credit score has dropped significantly.
Product: Credit card or prepaid card

Original dispute filed with American Express for a charge of XXXX made to XXXX in XXXX of XXXX for the event occurring in XXXX. When XXXX was canceled On XX/XX/XXXX I originally disputed the charge with AmEx and they removed it, then received an alert that my card would be recharged for the amount. Because American Express partners and supports XXXX they are not providing my refund despite the fact that the event did not occur due to COVID-19. Neither XXXX nor AmEx has offered any consideration of the fact that I have now been charged for an event that did not occur. I have received no product or service from this purchase not has American Express tried to resolve it in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

this was paid off and closed XXXX  is reporting incorrectly on aall my bureaus
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I lost my employment and immediately contacted the mortgage company to let them know and to apply for a forbearance. I was told by the loan XXXX they do not offer forbearance options and was told I can apply for a loan modification. The loan XXXX also informed that in order to qualify for a loan modification, I have to be 60 days past due on my payments. It is a requisite from the company but I can start the modification process. They also advised that the missing payments would be reported and I advised them that is unfair and an injustice. 

I was finally approved for the loan modification on XX/XX/year> but they reported to all three credit bureaus those missing payments as late when I was forced not to make any payments while in the modification process and they do not offer forbearance options. This is an injustice committed and many homeowners will suffer the same issue due to situations that are not in our control.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and outrage regarding the presence of fraudulent accounts on my credit report, as reported by your bureau. The accounts are blatantly fraudulent and have been acknowledged as such by the associated banks, which have already taken steps to remove them from their records. Despite my repeated efforts to have these fraudulent accounts removed from my credit report, your bureau has failed to take action. This is unacceptable and has had a detrimental impact on my credit score and financial standing. It is important to note that the other major credit bureaus, namely XXXX and Transunion, have promptly removed these fraudulent accounts from their records after verifying its fraudulent nature. The fact that your bureau has not followed suit is deeply concerning and reflects poorly on your commitment to fair and accurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. I notice according to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.