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

Under U.S code 1666B 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. 

This was not followed for late payments reflected on credit report for XXXX  XXXX, federal loan/ XXXX. I request that these accounts be updated to paid on time.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$8300.00} ; XXXX XXXX XXXX Balance : {$94000.00} ; XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX XXXX Balance : {$94000.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Product: Credit card

I read in the XXXX XXXX XXXX " XXXX Will Share Your Pants Sizeand Banks Are Cashing In on Your Private Data, Too '', XXXX XXXX, dated XX/XX/year> ) that Capital One sells personal information including balances and transactions, and forces customers to opt out by phone instead of website. 

I called. The agent " XXXX '' could not locate my account by card number but did by XXXX. He then said my birth date didn't match their records, indicate a very basic failure in record-keeping on their part. 

The agent asked for my permission to send a text message to authenticate me, but this ALSO required that I accept that they would take and sell ongoing data from my cell carrier. This an unacceptable demand, especially coupled to their failure to maintain business records. 

I refused permission to increased data sharing. The agent proceeded without it, telling me my phone number is " invalid '' and attempting to troubleshoot his ongoing failures by asking how long I have used this phone number. It is the phone number I was calling him from and I have received other texts this morning. My phone number is in no way invalid. 

Capital One 's agent then said the only way to access my account to request that they stop selling my transaction data was that he would send me a text with a link where I would be forced to send them photos of the front and back of my driver 's license. Their failure to send a text message is apparently fixed by sending a text message. After all of this I did not have any reason to trust Capital One with more even-more-sensitive personal information. 

I asked if closing my account would allow me to prevent them from selling my personal information and the agent confirmed it would, but refused to do so because of his inability to " authenticate '' me. 

Also : Capital One and other institutions keep calling this " information sharing '', like they are innocent children sharing toys in a playlot instead of giant companies selling incredibly sensitive personal info. Please at least prohibit this transparent lie.
Product: Money transfer, virtual currency, or money service

XXXXXXXX XXXX XXXX XXXX XXXX XXXX jp Morgan chase Bank failed to safeguard the zelle network from fraud and other defects. I WOULD LIKE TO BE APART OF THE ACTION LAW SUIT.
Product: Debt collection

Hi, In XX/XX/2020 I was pregnant and I went to the hospital for a check-up they gave me an application for my insurance and I applied and approved the insurance they told me that the whole balance would go directly to the insurance and every bill that arrived home was already settled so when I enter my hospital panel I don't see any balance I have to pay and when I enter my credit report I see that there is a debit collection for {$1000.00} usd but I didn't know why I never appreciate it on my panel.
Product: Credit reporting or other personal consumer reports

Several billing errors appeared on my credit report, showing late payments that don't match my usual history. Please correct them.
Product: Student loan

ACS Education Services represents that its re-certification process for the IBR plan is 7-10 days. My application was received by ACS on XXXX XXXX, 2016. Notably, on XXXX XXXX, 2016, an ACS representative stated that my application should be processed before my increased payment ( non-IBR ) is due on XXXX XXXX, 2016. Based on her advice and representations, I agreed not to submit a forbearance request at that time. But, my application still has not been processed as of XXXX XXXX, 2016. ACS 's inability to complete a timely review of the IBR certification may result in a delinquency and negative credit reporting.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Transunion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Transunion data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts U.S. Bankruptcy Court : Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTIANED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, TRANSUNION DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

I have been with COMENITYBANK/KAY for a long time, and I have always appreciated the good value and service I have received from COMENITYBANK/KAY. Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this must be a mistake. I need this to be remove as it's affects my credit worthiness.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report I found several late payments that I would like to get removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Debts reported for {$1700.00} and {$1000.00}. Company agreed to delete. Account closed and fraudulent charges. XXXX XXXX XXXXXXXX XXXX  agreed to write off balance as fraud.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX of XXXX, I noticed a collection on my credit report from CONNS Appliances. I immediately contacted CONNS for validation of this account. In the past, I had an account open with CONNS but it was paid off successfully, so I thought maybe the account information was somehow transposed, only to find out that a completely different account existed under my name. After I did not receive a response letter back from CONNS validating account # XXXX, I then submitted a dispute letter to all credit bureaus in which this account was reporting and I asked for validation. After 6 months, still no response. I became stressed because I could not get information on an account that was fraudulently reporting on my credit report. A year later in XX/XX/XXXX, I submitted another dispute only for the credit bureaus to state that the account was " Verified ''. I submitted another validation letter and still no response from the credit bureaus. It is now XXXX and I am still having issues with the credit bureaus not providing validation that the account belongs to me and not removing this erroneous information from my credit report. My next step will be consulting with an attorney and sue the bureaus and CONNS Appliance.
Product: Credit reporting or other personal consumer reports

To whom it may concern.

I don't have exact dates for the below description of events but will try my best to be as specific as possible.

1 ) I leased a XXXX XXXX from XXXX that was financed through XXXX XXXX XXXX. 
2 ) During the lease period, XXXX changed their internal policy regarding how excise tax was billed and paid. This included Re-routing payments to the lease toward the excise tax and negating the monthly payment. I WAS NOT NOTIFIED OF THIS POLICY. 
3 ) I never missed a payment to XXXX, nor were any of my payments late. XXXX allocated 3 payments to my excise tax and marked my scheduled payments as delinquent. XXXX FAILED TO REPORT LATE PAYMENTS TO ME OR NOTIFY ME OF THIS POLICY, 4 ) I received a phone call in the summer of XXXX notifying me that my car was going to be repossessed. I had not missed a payment and was not aware that I had any outstanding bills with the finance company. I PAID THE ENTIRE OUTSTANDING TAX ON THIS CALL AND WAS TOLD THAT IT WOULD NOT AFFECT MY CREDIT REPORT. 
5 ) In XX/XX/XXXX, I returned to lease another vehicle from XXXX. I was then informed that i could not qualify for the lease because my credit score was a XXXX. XXXX MISREPRESENTED THEMSELVES ON THE WHERE THEY TOLD ME MY CREDIT REPORT WOULD NOT BE AFFECTED. 
6 ) While at the dealership, I contacted XXXX XXXX XXXX to inform them that they had, in fact, destroyed my credit score and that I was trying to lease another vehicle. I WAS TOLD ON THIS CALL THAT XXXX WOULD FIX THE CREDIT REPORT. They informed me that this would not be immediate. I was forced to lease the vehicle under my wife 's credit until the correction would take effect. THIS WAS THE SECOND LIE FROM XXXX. 
7 ) My credit score at the time of the lease of the XXXX XXXX was XXXX. It dropped to XXXX. I could not a ) refinance my home to a lower rate and b ) not lease a new vehicle due to this change. The only bad marks on my credit score were the 3 from XXXX. 
8 ) I have filed complaints with both the XXXX  and the credit score companies. They had done an investigation with XXXX that went unanswered. XXXX DID NOT RESPOND TO THE INVESTIGATIONS. 
9 ) I called XXXX on a dozen occasions to try to plead my case only to have it fall on deaf ears. This has taking days worth of time and has not amounted to anything. 
10 ) XXXX  HAS ALREADY BEEN SUED ON A CLASS ACTION LAWSUIT FOR THIS EXACT BEHAVIOR AND LOST. 

If there is anything that can be done to correct the pain on my credit score and protect others from this predatory behavior, please let me know. I would advise anyone not to do business with this corporation.
Product: Bank account or service

Re-AllybankI make auto loan payments to Ally bank in the amount off {$170.00} per month. The payments are due on the XXXX day of each month. I was late in the month of XXXX and schedule the payment on Ally 's website to be made on XXXX XXXX. In the interim, I received a letter from Ally of intention to report my late payments to the credit Bureau re. I called and spoke with a XXXX and then with a XXXX, was a supervisor. 
Despite the fact that we verified my payment scheduled to be deducted from my account on XXXX XXXX, Ally, without authorization deducted the payment from my account on XXXX XXXX. 

I incurred charges because the funds were not then available and, my other chicks were returned and I was charged various fees. I discussed the question of the fees with the bank but they refused reverse the payment and then deducted on the date scheduled, which is XXXX XXXX. They also refused to refund the fees that were charged in connection with early deduction and, in connection with the charges incurred because my other checks were returned as a result of their early withdrawal of funds from my account.
Product: Student loan

In XXXX of XXXX I applied for a borrower defense to repayment to have my student loans discharged due to fraudulent practices while I attended XXXX XXXX. In XXXX of XXXX I got a decision that my borrower defense was denied, and I therefore had filed a reconsideration in XXXX of XXXX and in XXXX of this year my borrower defense application had been approved under XXXX XXXX XXXXXXXX, when I called both the Borrower Defense unit as well as XXXX I was made assured that my student loans would be discharged in full and I received an email advising of same. A few days later however I got a letter from XXXX telling me that only XXXX would be discharged. I feel that this is the Department of Education trying to get out of what they had promised they would do both on the phone and in emails. Ive got emails stating that my loans are indeed federal loans and my loan balance needs to be completely discharged I have documents but I will need to fax everything over because there are XXXX  pages
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an error for an account that I had with XXXX XXXX credit card with equifax, XXXX & XXXX. I have provided a copy of the check that I paid the account in full to both the credit bureau agencies as well as XXXX directly several times and yet this account is still being reported as late and not paid. Legally they are obligated to correctly report the right information and they refuse to.
Product: Debt collection

I have been a victim of Identity Theft, and all my personal information was exposed online in the XXXXXXXX Data Breach and others online data breaches. I want all those fraudulent accounts removed from my credit report. I have already placed a freeze on my credit. Thank you for your help. I have also reported them to the Identity theft website with reference number : XXXX. Thank you for your help in this matter.
Product: Credit reporting or other personal consumer reports

ACCOUNT XXXX XXXXXXXXThese debts youre chasing me for I dont agree with them at all and I think the amounts youre saying I owe are off. Dont bother with any proof Im not interested. I know whats up and seeing proof isnt going to change that. If you need to get in touch, email me only between XXXXXXXX XXXX and XXXXXXXX XXXX EST. Dont send any mail whether its XXXX XXXX XXXX XXXX XXXX or any courier and skip the phone calls and voicemails its just one big inconvenience.I 'm outta here. This ACCOUNT # XXXX and anything else you have under my name.
Product: Credit card

I attended a free trial class on XX/XX/23 at XXXX am and was brought to the side to discuss signing up for recurring paid classes. I signed up without my husband there to discuss further. Their no refunds for unused classes was explained to me under the impression, and rightfully so as it is actually under their missed classes/make up classes section of the agreement, that there are no refunds for any missed/unused classes that are not rescheduled. A few hours later after leaving at XXXX pm and getting home at XXXX pm I called and texted to discuss canceling the program altogether and a refund as no services will be rendered. They tried to say that the no refunds on unused classes applies in this case even though it shouldn't for many reasons, mainly XXXX being XXXX 3 day cooling off period rule AND that it was only an hour or so after signing AND that I have not received any services yet or wanted to after considering it further. After explaining this all in person, they then provided me with a paperwork that I was not aware of XXXX signed myself that stated a no refund policy at all! It even says " telephone order '' on the signature section of this document where I was supposed to sign but DIDN'T. This was NEVER explained, brought up, signed, or discussed with me. I feel like this is grounds for a refund in all senses but also a change in their policy or procedures for this paperwork to be read, visible, and signed by buyers so they can not fall into it like I did. So I proceeded to file a chargeback/dispute with my credit card XXXX and they stated I didnt cancel prior to the processing date although the processing date was XX/XX/23 at XXXX am and I canceled same day, a few hours after at XXXX pm. This did not make sense to me. XXXX ( the merchant ) has kept the cancellation paperwork which showcases I signed same day to cancel and after attempting to retrieve it they have not provided me it. I asked the bank for dispute resolution evidence that made them side with the merchant and they have not provided me it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complaint because I noticed inquiries reporting on my credit report that I don't recognize. According to 15 U.S. Code 1666, the Credit Bureaus are breaking the law and are violating my rights as a consumer. The CFPB is suppose to protect my rights. I am making complaint hoping that this issue can be solved. 


INQUIRIES : PLEASE DELETE ALL INQUIRIES XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion evidence that a medical collection was paid for the original creditor. They sent investigation results on XX/XX/19 saying Verified as accurate.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and notice that I had two late payments on an account that i was never late for. the consumer report agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. if proof can't be provided proof with statements showing that these payments were late. if proof can't be provided, I demand these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! please see screenshot attached :
Product: Credit reporting or other personal consumer reports

In XXXX or XXXX, a loan was taken out fraudulently using my personal information. When I became aware of this fraudulent loan I immediately notified money lion and made them aware of the situation however upon doing so I have not been able to rectify the situation even though they have previously received from me FTC reports police reports FBI reports as well as other documentation showing that I was the victim of identity theft. Also the loan was deposited into a fraudulent bank account with XXXX this account has subsequently been closed because it was determined that this account was in fact opened fraudulently. Unfortunately I have not been able to get money lion to take this off my credit report and thus it is causing a negative tremendous impact on my credit score. Also I have provided them information showing them that my information was bought and sold on the dark web over XXXX times of which included my email address password to my email address along with other various accounts along with the passwords so the individuals that were responsible for this had access to my personal information along with my email address and other information allowing them to open this account however I'm still not able to remove it because XXXX refuses to accept any documentation by not providing a number a fax a link or any other type information to which I can send this information to them. I have attempted several times over and over to get this removed and to get some type of cooperation from moneylion however all of it has been done to no avail
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally demand the immediate cessation and deletion of any and all negatively impacting, inaccurate, and unverifiable accounts that are being reported by your agency. As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that the information furnished by your agency is fair, accurate, and substantiated.

Upon a thorough review of my credit report, I have identified several accounts that are both inaccurate and unverifiable. The inclusion of these accounts is unjust and could potentially damage my creditworthiness. As per my rights outlined in the FCRA, I am formally requesting that these accounts be fully deleted and suppressed from my credit report. These accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Moreover, I invoke the doctrine of estoppel, which prohibits an entity from asserting something contrary to what is implied by a previous action or statement. The inaccurate and unverifiable nature of these accounts contradicts the very essence of fair and accurate reporting, therefore warranting their immediate removal.

I demand that you conduct a thorough investigation into these matters and provide me with a written response within the timeline stipulated by the FCRA. This should include confirmation of the deletion and suppression of the aforementioned accounts from all credit reports in which they have been disseminated.

Failure to comply with this request within the stipulated timeframe will leave me no choice but to pursue legal action to rectify these inaccuracies. I am confident, however, that your agency will act in accordance with the law and my rights as a consumer.