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 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 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX, SSN XXXX, DOB XX/XX/1966, TO WHOM IT MAY CONCERN : I RECENTLY REVIEWED MY CREDIT PROFILE AND NOTICED INACCURACIES AND/OR INCOMPLETE, INMFORMATION, OR WHICH CANOT BE VERIFIED. ALL COMPANYS ARE BELOW : IT IS ALSO MY UNDERSTANDING THAT UNDER THE FCRA 15 U.S.C. 1681I, EVERY SINGLE ONE EVEN EACH ANY OR ALL OF THE UNPROVEN, NON-COMPLAINT, INCOMPLETE, UNTURE, INCORRECT, AND OR UNVERIFIED ASPECTS OF ANY ALLEGED DEROGATORY ACCOUNTS MUST BE PROMPTLY NEGATED IN ITS ENTIRETY OR THE ALLEGED ACCOUNTS ARE TO BER COMPLETELY DELETED. THE FOLLOWING DEROGATORY ACCOUNTS ALLEGATINS ARE EITHER UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, NOT MINE, NOT MY RESOPONISIBILITY, OR OTHERWISE PRO COMPLAINT TO REGULATORY FEFERAL REPORTING LAWS AND OR STANDARDS AND MUST BE REMOVED IMMEDIATELY THE INFRACTIONS ARE AS FOLLOW BELOW. I AM DEMANDING THAT THIS ACCOUNT BE UPDATED TO PAID AS AGREED AND NEVER LATE.BY THE PROVISION OF THE FAIR CREDIT REPORTING ACT AND PER THE STANDARDS OF REPORTING COMPLIANCE IMPLEMENTED WITH THE CRSA ENACTED XXXX XXXX XXXX CPOMPLIANCE REGULATIONS, I DEMAND THAT THES ABOVE MENTION DEROGATORY ITMES BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. 
SINCERELY XXXX XXXX XXXX
Product: Debt collection

I pulled my credit report on XX/XX/XXXX XXXX and discovered there was two collections in my report from XXXX XXXX XXXX, XXXX and two hard inquiry 's. On XX/XX/XXXX XXXX I sent a letter to XXXX XXXX XXXX, XXXX which they received on XX/XX/2019. The letter will be on file. I asked XXXX XXXX XXXX, XXXX for the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming their company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. I received a letter from XXXX XXXX XXXX, XXXX, but they did not give me what I asked for.They did not show me any proof that I owe this monies, but a letter stating my name, account numbers, and a balance. I am forwarding all my letters for you to see and XXXX XXXX XXXX, XXXX to see just in case they claim they didn't receive my letters. I have already filed a complaint on XXXX XXXX XXXX, XXXX with CFPB .The complaint number is XXXX which Portfolio XXXX XXXX XXXX XXXX   resolved account number ending in XXXX by saying that they are removing it, but did not resolve the hard inquiry 's and account number ending in XXXX
Product: Checking or savings account

I have requested, since XXXX, on several occasions to open a checking account at Us Bank and they have denied me that right. Today, XX/XX/XXXX, I tried again to open an account and was denied.
Product: Credit card or prepaid card

I have requested that the charged off credit card no longer be reported on my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

You must comply with my request for privacy by no longer reporting this account and making it accessible in the public domain.
Product: Debt collection

I just ordered my credit report and found this Diversified consultants with XXXX XXXX, XXXX and XXXX. I dont owe anything to this company nor any other company theyre saying that I owe.
Product: Credit card

I took notice of wildly fluctuating interest charges on my CareCredit card. I chatted with an assistant on phone, was texted that promotion period had expired. I understood that one, but other weird promos that werent disclosed to me. One month its been as like XXXX, then XXXX something, then XXXX, then XXXX something, it keeps going up! Ive been paying on this for sometime now, and the principal hasnt dropped. They also said maybe I need to go talk to my vet ( I used the card for XXXX XXXX XXXX XXXX  ) I will send copy of charges soon
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX ROCKETLOANS XXXXXXXX XXXX XXXXXXXX XXXX Fl. 
XXXX, Michigan XXXX Account : XXXX Notice to agent is notice to principal notice to principal is notice to agent { RocketLoans # XXXX } I sent in a dispute to your company regarding some inaccurate and incomplete information that is being furnished on my consumer report at { XXXX, XXXX, XXXX }. 
You received my dispute letter on { XX/XX/XXXX } by certified mail tracking number # { XXXX XXXX XXXX XXXX XXXX XXXX } It has been well over 30 days and you have not responded. This information by law must be deleted. 
15 USC 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true. Id. at XXXX. If the furnisher does not already have such evidence, it must seek out and obtain it before reporting that the information is verified. Id. at XXXX ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
You not responding to my dispute within the 30 day period allotted by law proves you can not validate or verify this account. 
Delete this account { ROCKLOANS XXXX XXXX } from my consumer reports. 

XXXX XXXX XXXX. 
_________________________________ Without Recourse XXXX XXXX - XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS PURPOSELY STATING THAT I HAVENT SUBMITTED MY IDENTIFICATION DOCUMENTS WHEN I HAVE NEARLY XXXX TIMES IN THE LAST XXXX MONTHS. IVE SENT IN A NOTARIZED AFFIDAVIT 3 TIMES AND ALSO UPLOADED IT TO EXPERIAN.COM/UPLOAD EXPERIAN NEEDS TO BE INVESTIGATED FOR FRAUDULENTLY STATING THEY HAVENT RECEIVED PEOPLES DOCUMENTS JUST SO THEY CAN DENY YOUR INVESTIGATION / REQUEST TO BLOCK. 

XXXX SEEKING AN ATTORNEY HOWEVER THIS MUST BE LOOKED INTO, THEY ARE VIOLATING THE LAW. THAY KEEP SAYING THEY HAVENT RECEIVED ANY DOCUMENTS PROVING MY IDENTITY WHEN I HAVE EVEN SUBMITTED COMPLAINTS HERE THROUGH THE CFPB MULTIPLE TIMES. 

THEY ARE DOING THIS TO DELAY AND NOT INVESTIGATE. 

THEY ARE REPORTING ACCOUNTS THAT SHOULD BE BLOCKED DUE TO IDENTIY THEFT. XXXX AND XXXX HAVE ALREADY BLOCKED THE ACCOUNTS HOWEVER EXPERIAN CONTINUES TO DENY THAT THEY HAVE RECEIVED THIS INFORMATION FROM ME. 

I AM SUBMITTING ALL DOCUMENTS ATTACHED THAT I HAVE SENT EXPERIAN SEVERAL TIMES. THIS IS GETTING REDUNDENT AND ABSOLUTELY UNFAIR THEY ARE DOING THIS TO PEOPLE. 

IM SEEKING {$1000.00} PER VIOLATION FOR EACH ACCOUNT THEY FAIL TO BLOCK. TOTAL ACCOUNTS XXXX = {$5000.00} IF THIS GOES UNRESOLVED. 

THE LAW STATES YOU MUST BLOCK AN ACCOUNT WHEN BEING NOTIFIED OF IDENTITY THEFT. I HAVE SUBMITTED ALL DOCUMENTS REURED BY THE FCRA
Product: Consumer Loan

My daughter 's car was repossessed by Kia Motor Finance. I was going to pay to get the car out of impound and refinance the car in my name. Kia told me that once the payment to the impound yard posted they could give me a payoff amount. On XX/XX/2017 I received a payoff amount and that amount was good through XX/XX/2017 with a per diem amount of XXXX. I mailed a check for that amount on XX/XX/2017. On XX/XX/2017 the bank notified me that they had not received the Title for the vehicle from Kia Motor Finance. I called Kia and spent over 1 hour on the phone with XXXX different people who all told me the same thing. After Kia gave me the payoff amount, the next day they added a fee for repossessing the vehicle and now I owed a balance of XXXX dollars and unless I paid that balance they would not release the Title. This amounts to extortion. They knew that the vehicle was in repossession, I asked for a payoff amount, and I paid the amount that they told me to pay. Now they will not release my title unless I pay another XXXX.
Product: Credit reporting or other personal consumer reports

After sending numerous written requests, the fraudulent items listed below continue showing on my credit report, flagrantly violating federal law. The 3 Credit Bureaus have failed to adhere to the Fair Credit Reporting Act, 15 USC Sections 1681i, within the legally stipulated timeframe, continuing to report unconfirmed information. Given all my diligent attempts to rectify the situation directly with the creditor, this can be seen as a deliberate act of negligence and non-compliance with federal regulations. I kindly request the complete deletion of the following items from my Credit Reports : XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 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  GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal complaint against Experian for reporting inaccurate information on my credit report. Specifically, Experian has continued to report disputed accounts from XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX for over seven years, despite my repeated disputes and requests for verification. 

Under the doctrine of estoppel by silence, as established in XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of these alleged debts exists, nor do the debts themselves, since neither XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, nor Experian have provided any valid documentation supporting their existence. 

XXXX continued reporting of these accounts without proper verification violates my rights under the Fair Credit Reporting Act ( FCRA ). I request that the CFPB investigate this matter and require Experian to either provide definitive proof of the debts validity or remove the inaccurate information from my credit report immediately. 

Please confirm receipt of this complaint and inform me of the next steps in the investigation.
Product: Checking or savings account

I have an account with Mercuryhttps : //mercury.com/ My company name : XXXX XXXX Mercury closed my account on XX/XX/2024 and withheld the balance on my account. 

The total amount involved is US {$87000.00}.

This resulted in my company XXXX XXXX paying a liquidated damages and currently facing the risk of bankruptcy It has been XXXX months so far, which is beyond the time for any bank review. I suspect that they are holding my funds maliciously. I tried to communicate with them by phone and email, but they did not make any reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies Transunion, XXXX, XXXX Fraud department said that the ideas will be removed over the phone nothing happens yet thank you for helping me with this important matter XXXX bless
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I first filed a dispute with XXXX regarding 2 bankruptcies reporting inaccurate information. It came back verified. Which is not true it is stating I filed in XXXX, NC and XXXX, NC which is incorrect as well as the date filed and dismissed. It also states that there is {$0.00} liability and {$0.00} claim which is also a reason it should not be listed on report. I also attached with the new law that passed XX/XX/XXXX that they are also not complying with. I will like both bankruptcies removed from my credit file asap due to inaccurate information. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHMENT BELOW I did not give consent to report anything to my credit report nor do I have a contract to do business with LVNV Funding. They are in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I the natural person Never gave permission. Violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
Product: Credit card or prepaid card

I tried to make a dispute on an transaction on XXXX with Chase due to poor service. I called merchant first and they refused to refund the money. Then I called Chase for disputing. But they refuse to dispute this transaction and said i dont have the right to make dispute due to poor service, which is not right. The Fair Credit Billing Act protect consumers right to dispute bad service.
Product: Debt collection

This company LNVN Funding in whom I know nothing about has been consistently calling, threatening to sue me, threatening to garnish my wages and it is becoming overwhelming as well as harassing communication. I have know knowledge of this company whatsoever. I have never been in any agreement to work with this agency. I am seeking proof and evidence stating that I have signed any sort of agreement with agencies listed below.

LNVN Funding ( I don't know full account number ) account number starts with XXXX XXXX XXXX XXXX ( I don't know full account ) account number starts with XXXX. These debt collectors are harassing me consistently. I am requested a no other phone calls, emails, or letters.
Product: Credit reporting or other personal consumer reports

I have submitted a compliant in writing stating that the account number XXXX XXXX XXXX XXXX XXXX was reporting incorrectly. I advised that an account could not be listed as 120 days late and closed at the same time. I have discussed with this agency also via phone. Nothing has been done. Please update reporting information. Also, I have asked this company to update my name and nothing has changed. My name is spelled XXXX XXXX  This goes against might of fair an accurately reporting. Please assist. 

I have asked Transunion and XXXX to update my name as it appears on my XXXX XXXX XXXX XXXX There are several names listed on these reports with incorrect spelling and various versions. I have contacted the companies but no assistance. I was advised to contact the reporting which wasnt any help.
Product: Debt collection

I started going to  XXXX   XXXX  offic e  X/XX/2015    because I ha d hurt my  XXXX , he said he could help my pain, started going every week, after ab out 2 to 3 mos into  the visits my  XXXX  started to fell some relief bu t my    XXXX   started to go   XXXX   I told him about my  XXXX , he did n't say anything. But as I was going I was paying my bill monthly, {$270.00} as I continued to go my  XXXX  were getting worse, So I knew I needed to stop going to  XXXX   XXXX , I could no longer afford the service. and I was also worried about the fact my  XXXX  getting worse after every visit. On my last office visit I asked if I owned any payment, I was told NO, Everything was paid up until after my next visit. I canceled my next appointment and did n't go back, after a few weeks I received a letter for  XXXX   XXXX   XXXX  for collection of {$680.00}. So I called  XXXX   XXXX   office to  ask why I got the letter,  XXXX   XXXX  receptionist told me they could not talk to me because the bill was in collection, I received some letters from  XXXX   XXXX , then I stared getting phone calls from Law offic e of Charles McCarthy, I expl ained all this to them, but they keep calling after i have asked them to stop calling me. I do n't understand how they can charge me when i was told my bill was paid up passed my next visit.
Product: Debt collection

I have a debt from a bank from when I was younger. Its been over 15 years and the dead has been forgiven and its no longer in my credit. Theres a company that is trying to collect the debt. They keep constantly calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 1 ) XXXX XXXX - Account # XXXX, Violated my rights. ___ { 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. }
Product: Credit reporting or other personal consumer reports

Doing an investigation on my credit report, I found several items on there to be inaccurate. Any inaccurate information shall promptly be removed per 15.U.S. Code 1681 The following accounts and personal info are not being reported correctly. Please remove them : Personal information XXXX XXXX XXXX XXXX NC XXXX ( not my address Please remove ) XXXX XXXXXXXX ( wrong information reported please remove ) XXXX  XXXX ( wrong information reported please remove ) XXXX XXXXXXXX ( wrong information reported please remove ) XXXX XXXX XXXX ( wrong account information please remove ) XXXX XXXX XXXX ( wrong account information please remove ) XXXX XXXX account ( wrong account information please remove ) XXXX XXXX account ( wrong account information please remove ) XXXX XXXX  account ( wrong account info please remove XXXXXXXX XXXX  account ( wrong account information please remove ) XXXX XXXX account ( wrong account information please remove )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XX/XX/2020 Sent 609 letters for verification for old debts and wanted them to be removed due to it being incorrect and old
Product: Debt collection

I was contacted by XXXX XXXX, National Credit Adjusters on XX/XX/XXXX via phone call from # XXXX claiming I owe {$290.00} for a payday loan to Payday One from XX/XX/XXXX. I receive several calls daily from them on my ph # XXXX & XXXX. Sometimes 5 or 6 x 's a day. Now I know that the FDCPA clearly states that I have 30 days to dispute once I receive 1st demand letter and also any collector CAN NOT contact me until that demand letter is received and I am given time to dispute. I have never received a 1ST demand letter, only a a lot of ph calls. That is clearly a violation of the FDCPA!