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

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

After disputing various inaccurate details reporting on my consumer report from XXXX. " Experian '' has failed to properly investigate the disputed details on my consumer report even after providing documented evidence of the inaccurately derogatory reporting data. " Experian '' closed the investigation and did not remove all inaccurate data even after citing the U.S.C and CFR codes and regulations regarding the disputed matters. " Experian '' also claimed to have investigated the disputes and alleged the company reported back the data was correct and denied and failed to provide details to me of the alleged creditors response and any evidence provided by the alleged creditor in which the request was submitted in writing by me numerous times. " Experian 's '' representatives also told me verbally numerous times that they do not have to provided me with details of the companies responses. After researching the procedure of disputing information on my credit report, I learned the bureaus utilize an electronic system called e-oscar that consumers are not being made aware of as " Experian '' is not transparent about the Dispute process and also collects data from other 3rd party sources not provided to consumers for public data reporting. In 2024 alone I initiated more than a dozen disputes from XXXX XXXX
Product: Vehicle loan or lease

My credit was spotless until I cosigned a new car loan for my son this Summer. I insisted that the lender, Toyota Financial Services. must notify me if a payment is ever late PRIOR to negative impact ( ie, 30 days past due ) .. The lender agreed according to the dealership salesperson.

One day, I received a voicemail message from a Toyota collector. My son had let a payment go past due. I finally managed to gain access to the portal online by threatening my son. I called Toyata and spoke to a lady who told me I can not do anything about notification or account access. She further explained there was nothing she could do to remove the negative information from my credit reports. I then asked her if she could put on my account to call me if the loan was ever late again and she said she COULD NOT!!! She could only notify me once it went past 30 days. So how am I responsible and get negative hits if I can not access the loan or demand to be notified?

( I also think the message I was left by Toyota is very vague and impossible to understand. I literally can not understand the call back number the caller left me. I have uploaded the recorded voicemail she left. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to thank you for helping me. I got my 5 wrong accounts on my credit report coming off immediatly from XXXX XXXX and XXXX. But expierian never disputed my debts they point blank after 2 years they have not once help me. I had to talk with many many people who saw that these accts were not mine and they have XXXX  out all those debts. Whats funny and has me really upset is the dispute dept stated to me after I was done that I owed these debt. So I have all there denials and comments of disputes. All I can say is they are big liars there that do not help anyone with serious issues and false charges. Shame on them. I will never ask them for no help and I intend on getting a lawyer to take this further because they have destroyed my life and I win this time. Thank you
Product: Credit reporting or other personal consumer reports

My information was involved in a data breach with XXXX and Im also a victim of identity theft 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. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

XXXX - XXXX XXXX XXXX I filed a complaint of phone harassment by Tower Loan on XX/XX/XXXX after repeated calls to both my cell phone and home phone. I explained to the callers that I dont know the person theyre looking for and they assured me the calls would stop. 
My son had major complicated XXXX at XXXX XX/XX/XXXX. I need to communicate with my sons providers and this company continues to harass me. 
After I submitted a complaint I received a letter from XXXX XXXX, copied to XXXX XXXX XXXX XXXX XXXX. Again, they apologized and assured me that my phone number was removed and therefore the case is closed. 
THESE PEOPLE ARE LIARS. THEY HAVE NO INTENTION OF STOPPING!! 
I just received another call from Tower Loan. Right now on my home phone. 
I have no business with this company. I do not know the persons they are looking for!
Product: Credit reporting or other personal consumer reports

Again, this XXXX XXXX  again forgot to report correct amount in my credit profile, thank you CFPB for not pushing them for this violation, this is shows me again that nobody is following the Low of this country, I said before and will say again, all this reports and complaints Im saving for future lawsuit to this company, I thought that everyone must follow the Law how its says in the Constitution but I was wrong, anyone can violate the law and nobody will hold them accountable. Thank you
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXXXXXX XXXX XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the mentioned fraudulent items. I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I had a cell phone account with XXXX and after being improperly billed and receiving a monthly bill of around {$800.00} in inaccurate charges I contacted them. They cleared the account balance and I then proceeded to move to another cell phone provider. I found a charge of {$430.00} on my credit report and I can not get anyone to resolve this issue. They told me that because the account is in collections there is nothing that they can do. I had a zero balance when I closed the account from XXXX.
Product: Bank account or service

I had wells fargo bank for a short period of time, I closed out my account well I thought I closed out my account but turns out they did not close it and I kept getting charged fees of over draft. I had called many times and was told I owed the money and that it was closed. it only got closed after the fees were added. I now can not get a bank account because of their doings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts to have a fraudulent Affirm loan removed from my credit record. Despite submitting an affidavit, a police report, and an identity theft report, both Affirm and XXXX have been unwilling to remove it from my credit history. This fraudulent loan is negatively impacting my credit score. This incident occurred as a result of my phone being stolen, which led to identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention my serious concerns about potential identity theft risks associated with the mishandling of my credit reporting dispute by Equifax. I believe that the agency 's improper handling of my " ONLINE '' disputes, including unexpected mail communication and potential inaccuracies, poses a significant threat to the security of my personal information. I didn't request any reports to be sent out nor did I confirm a mailing address. I kindly request your intervention to thoroughly investigate this matter and ensure that appropriate measures are taken to protect against any potential identity theft risks. All the bureaus seems to be doing this and this is one of the many way consumers information is being stolen due to negligence by credit bureaus. 

Thank you for your prompt attention to this pressing matter. ( If they claim they didn't I have proof )
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, High balance is inaccurate, date reported is inaccurate, Last payment is inaccurate, and payment history is inaccurate. This is grounds for removal, they also violated my rights under 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. 

Here are my complaint id 's for previous complaints against the bureaus : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act XXXX  XXXX CO account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX account # XXXX, # XXXX, XXXX consulting account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A section 2 : it also stated that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I faxed a letter to Grant & Weber for debt validation, and not only did I NOT receive a response, but they also increased the balance by {$4.00} which could be an attempt to keep the account active on the credit bureau report ( s ).
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX Last 4 of : XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ) In accondance with the Fair Credt Reporting act. The Lat of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681. 
Account name : [ XXXXXXXX XXXX XXXX # XXXX ] has violated my richts. 
I looked at my [ Equifax ] credit report on [ XX/XX/2024 ] and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin generalit, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

XXXX XXXX XXXX is a deplorable operation that breaks every rule pertaining to actual debt ownership and legal enforcement procedures. 
CASE NUMBER : XXXX I XXXX XXXX submitted a written answer to the above referenced lawsuit earlier this year. I along with the rest of America have been trying to surround a pandemic, and I deserved at least a hearing pertaining to actual ownership of any acquired debt by XXXX XXXX XXXX XXXX. If I was granted at least a hearing I would have demanded true copy ordinality of ownership of any debt acquired by XXXX XXXX XXXX, XXXX. I claim that no such documentation exists in the file contained with your court. XXXX XXXX XXXX XXXX has throughout the last decade ben a defendant on multiple class action lawsuits collecting on phantom debts. If there is not true copy original documentation relating to ownership, then this debt should never have been considered enforceable. 
I would be granted relief in a federal court, but there simply is not a {$75000.00} standard on damages. I am however right in my position that this default judgment is unwarranted. 
II. LEGAL STANDARD Under 28 U.S.C. 1441, a defendant may remove " any civil action brought in a State court of which the district courts of the United States have original jurisdiction. '' A federal court has original jurisdiction over a civil action where there is complete diversity among opposing parties and " the matter in controversy exceeds the sum or value of {$75000.00}, exclusive of [ *4 ] interest and costs. '' 28 U.S.C. 1332 ; see also Carden v. Arkoma Assocs., 494 U.S. 185, 187, 110 S. Ct. 1015, 108 L. Ed . 2d 157 ( 1990 ). Typically, a defendant must file a Notice of Removal of a civil action within thirty ( 30 ) days of receiving the complaint. 28 U.S.C. 1446 ( b ). However, where it is not evident from the face of the complaint that a case is removable, " a notice of removal may be filed within thirty days after receipt by Defendants... of a copy of an amended pleading, motion, order or other paper from which it may be first ascertained that the case is one which is or has become removable. '' 28 U.S.C. 1446 ( b ) ( 3 ). Additionally, when a case is removed, " all defendants who have been properly joined and served must join in or consent to the removal of the action. '' 28 U.S.C. 1446 ( b ) ( 2 ) ( A ). 
I demand the vacate of the default judgment and I will take this insult to the Texas judicial system to the Federal Trade Commission and the Consumer Financial Protection Bureau. The law firm involved in this injustice will have to answer to the Texas Bar Association. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Student loan

On XX/XX/2024 I submitted a payment of {$14000.00}. This amount was to pay off XXXX of my loans, XXXX amounting to {$7600.00}, and the other {$6600.00}. The {$14000.00} was withdrawn from my bank account XX/XX/2024. The payment of {$14000.00} was listed as pending on EdFinancial until today, XX/XX/2024. Today, it shows {$6600.00} as received. My loan of {$6600.00} is marked as paid off to {$0.00}. The {$7600.00}, however, is missing. There is absolutely no sign of the money in my recent payments. All that is listed is the {$6600.00}. My loan of {$7600.00} is still at full balance.
Product: Debt collection

I was in a total accident the other insurance paid of the quote for the quad is completely paid off I owe nothing on this account has been closed
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Date : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX , XXXX Ga, XXXX Account number ending in XXXX Wells Fargo Claims Assistance Center Credit card Fraud Claims XXXX XXXX  XXXX XXXX, NC XXXX I am writing to dispute a fraudulent charge on my account in the amount of around {$1900.00} or so, from XXXX XXXX. I am a victim of identity theft, and did not make this charge/ I am requesting that the charges be removed, and that any finance and other charges related to the fraudulent amount be credit back to my account, as well, and that I receive an accurate statement. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Wont let me connect my account to a payday loan app XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I SENT A LETTER TO CREDIT ACCEPTANCE ASKING THEM TO UPDATE MY CREDIT INFORMATION. I PAID AND SETTLED A PAST DUE BALANCE IN XX/XX/2021. I HAVE ALSO SENT THIS INFORMATION TO XXXX BECAUSE IT'S SHOWING A OPEN ACCOUNT. PAST DUE WITH A BALANCE OF OVER 12,000 THEY STILL HAVEN'T UPDATED THE REPORT. XXXX SAID IT CAME BACK VERIFIED. HOWEVER CREDIT ACCEPTANCE SENT ME A LETTER BACK SAYING THEY DON'T HAVE ENOUGH INFORMATION. BUT COUNTUNE TO REPORT INACCURATE INFORMATION ON MY REPORT.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX Account # XXXX ( XXXX Account # XXXX ) ( XXXX Accounts # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) has violated my rights! and feel i am being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C. 1681 section 602 A, states I have the right of privacy.

-15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not furnish information on an account without my written instructions.

-15 U.S.C. 1681 C ( A ) ( 5 ) section, states that 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 antedated the report by more than seven ( 7 ) years.

-15 U.S.C. 1681 S 2 ( A ) ( 1 ) states, a person shall not furnish any information relating to a 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 appreciate you making the effort to remove and update some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
Original Creditor : 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 reporting, credit repair services, or other personal consumer reports

From XXXX to XXXX I was charged fees that the courts have deemed illegal
Product: Mortgage

I again tried to make a payment on XXXX to Fay Servicing via XXXX at XXXX and again was not allowed to do so. Fay Servicing stated they had corrected this problem and that I could now begin to make payments even now while I am still on the Pandemic Forbearance. Making payments now will reduce the amount due at the end of the Pandemic Forbearance that was originally granted by the previous servicer prior to this account being transferred to Fay Servicing. Ref previous complaint XXXX.