23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about my auto loan with XXXX XXXX XXXX XXXX XXXX. The loan payment is due on the XXXX of each month. My understanding is that I have up to 30 days before the next due date to make a payment before it is considered 30 days past due and is reported to the credit bureau as a delinquent account. The last payment was debited from my account on Friday XX/XX/2021 which was the balance that was due for XX/XX/2021. However, the payment did not post into XXXX XXXX XXXX 's database until Tuesday XX/XX/2021, causing the account to become delinquent. This " delinquency '' was then reported to the credit bureaus. I spoke with the loss prevention manager, XXXX, who offered some pretty good advice, but subsequently was unable to do anything in regards to correcting this matter. 

Is it legal for a company/creditor to report a payment that was made before the " 30 day late payment '' reporting period if the actual payment was made within the 30 days, but did not post in they're system until 4 days later? 

Please advise. Thank you for your help.
Product: Credit reporting or other personal consumer reports

I am writing to inform the CFPB that I have been a victim of fraud. I did not authorize these inquiries made in my name. ] it was first noticed in XX/XX/XXXX, of XXXX and XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$100.00} INQUIRIES : XXXX XX/XX/XXXX XXXX CA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXXXXXX XXXX XXXX Account number : [ XXXX XXXX XXXX XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

acct name : XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX 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. The accounts listed above has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have a credit card account with Chase Bank. I received an offer for a balance transfer at 0 % for one year with a 4 or 5 % fee. I made that balance transfer {$2500.00} about 2 months ago. On my recent statement I noticed that I was charged {$38.00} interest I called customer service to find out why I was charged this fee. I was told that since I had a balance transfer at 0 %, I no longer get the 30 day grace period on regular purchases. ie interest rate started on the day I made the purchase. I requested that they wave/refund that fee, and the representative and his supervisor were unable to wave that fee.
Product: Mortgage

In XXXX of XXXX I requested and was granted a forbearance with my mortgage company Shellpoint financial services. In XXXX of XXXX Shellpoint ended my forbearance without my consent, approval, or knowledge. It wasnt until after I had received several very confusing and contradictory letters in the mail that I called them to find out what the deal was and why it seemed like my forbearance had ended when I did not end it, that I was told the situation. Although I was not aware of it at the time this would be 8 months short of what I legally was entitled to. Since that time I have been scrambling to come up with the money to get caught up despite the fact that I am still experiencing a hardship. I am currently working with a housing counselor to try to talk with Shellpoint but they are not even acknowledging the fact the they are denying me time that by law I should have had.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding several issues with my credit report that involve violations of the Fair Credit Reporting Act ( FCRA ), Consumer Protection Act, and Privacy Act. The details are as follows : XXXX. **Charge-Off Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has charged off accounts that were subsequently sold to third-party debt collectors. Despite this, the charge-off accounts are inaccurately reported on my credit reports. 

2. **Inaccurate Reporting and Lack of Investigation : ** - I have disputed these inaccuracies with TransUnion, XXXX XXXX and XXXX. Although XXXX and XXXX have removed the inaccurate collection accounts ( XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX ), TransUnion has failed to properly investigate these disputes and continues to report the inaccurate information. 
- The investigation and removal request with TransUnion have exceeded 90 days, and there has been no resolution. This delay and the continued reporting of incorrect information are in violation of the FCRA. 

XXXX. **Emotional and Physical Impact : ** - The ongoing inaccuracies and delays in resolving these issues have caused significant emotional, mental, and physical distress. The erroneous information on my credit report is affecting my well-being and financial stability. 

I request your assistance in addressing these issues urgently and ensuring that my credit report accurately reflects my financial situation
Product: Money transfer, virtual currency, or money service

i sold my XXXX  currency on XXXX and they hold each and every one of the transfer i received, even thou i provided information about my customer had received their goods, they requested tons of evidence and i provided all of it but on the second day, PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are reporting information from a creditor that I had transactions and experiences with and I did not give the company authorization to communicate any of that info with this XXXX party agencies. I need the unauthorized info to be removed and or updated immediately. 

These are my written instructions, as the consumer, which the report is in connection with.

According to 15 U.S. Code 1681b a consumer report may be furnished ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Ive submitted a complaint to the both Becu and XXXX and XXXX XXXX already. I have gotten no answer as to where my money has gone, I sent my fianc money 2  weeks ago and after he received it to pay our rent, the bank said it was fraudulent. I cleared this fraudulent problem on my end of my bank side is BECU. His bank XXXX XXXX says they sent the money back and refunded it to XXXX. BECU says they cant do anything else except wait for XXXX. Its been a week now and no one has gotten anything done to give us our money back. XXXX was recommended for me to use by a BECU agent to make a transfer. Now my money is lost, my husband has a negative account because he needed the money I sent him to pay rent and when he tried to pay it with the XXXX dollars I sent they took it out his account so the check bounced. someone in the bank canceled my transaction without giving the money to me or him. I have bills to pay tomorrow, and no food in my fridge. His account is overdrawn XXXX because the apartment took the rent out from his bank and not with his money. Now we have overdraft fees and late rental fees thanks to this hold up between banks I have no food or money to pay my bills this week either.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX Account number : XXXX Balance : {$570.00}
Product: Credit reporting or other personal consumer reports

I have called countless times since XXXX regarding unauthorized fraudulent inquiries on my credit report and XXXX and equifax have failed to remove them. I have mailed letters, made phone calls. spoke with countless representatives regarding the identity theft. ii have filled out identity theft report and multiple documents regarding my claim. according to 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) unauthorized inquiries are not to be reporting on my credit report however my rights are being violated as a consumer. The inquiries are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I spoke with XXXX with a file # XXXX and case # XXXX. she told me these inquiries would be removed equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have mailed documents countless times to both bureaus and they have failed to acknowledge my request. please have these inquiries removed IMMEDIATELY. XXXX MONTHS AND XXXX MONTHS TO NOT HAVE REMOVED FRAUDULENT INQUIRIES IS A VIOALTION OF MY CONSUMER RIGHTS. ESPECIALLY WHEN I HAVE PROVIDED THE NECESSARY DOCUMENTATION ASKED.
Product: Debt collection

This debt collector, Lakeside, called my phone, my wifes, and one of my children and left a message containing my name, date of birth, and address. How is this legal? How are they sure enough to leave my personal information in a message? They could have called 3 wrong numbers and left my personal details to strangers. How do I know they didnt call any numbers I used to have and do the same thing? Is this legal to leave this sort of information in a message and couldnt my identity be insecure leaving this on a message? These messages were left on XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inquiry From XXXX XXXX in XX/XX/XXXX. 
I have a inquiry from XXXX in XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX In XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX in XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX XXXX In XX/XX/XXXX. 
I have a inquiry from capital one in XX/XX/XXXX. 
I have inquiries from XXXX XXXX, XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX. 
I have inquiries From XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX. 
I have a inquiry from Capital one in XX/XX/XXXX. 
I have inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Capital One Auto Finance In XX/XX/XXXX. In Which All Of The Inquires Showed Above I did not inquire about or give my information to for them to run my credit. I Called The XXXX XXXX XXXX number, in a The Customer service or Representatives Did Not Help me Out At All.
Product: Credit card or prepaid card

I closed my Citibank secured card on XX/XX/XXXX due to my card not graduating to an unsecured card. The representative told me at the time that my security deposit of {$200.00} would cover any outstanding charges, etc. I received an email from XXXX that my account was closed voluntarily. However I was made aware that Citibank charged a late payment fee for XXXX when I had already made a payment of {$180.00} on XX/XX/XXXX. THEN they charged me an over the limit fee because of the incorrect late fee. Im already frustrated that they wouldnt graduate my card that I've had since XX/XX/XXXX to unsecured when I never missed a payment! Now they are trying to charge me additional fees to close my account! I believe this is a retaliation method they are using because I am closing my account. I did speak with a representative by the name of XXXX on XX/XX/XXXX who helped me greatly and was able to remove the incorrect fees. She explained to me that the person I spoke with told me incorrect information and everything in detailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. 
I am a living human being. 
I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681.

And they violated my rights multiple times.

I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : # 1 ) XXXX XXXXXXXX XXXX # 2 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXXXXXX XXXX and Equifax are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact XXXX XXXX XXXX and XXXX Equifax, and XXXX correct and remove this inaccurate info from my credit report. 

6. The Balance is outrageous!! {$16000.00} for 1 months rent?? This is insane!!
Product: Credit card or prepaid card

Synchrony Bank closed all of my accounts in XXXX of XXXX. I have managed to pay off the balance in full on Ashley, Belks, JC Penny, Lowe 's, XXXX XXXX XXXX, Rooms to Go. I paid a " good faith '' settlement agreement to them for the PayPal credit card, and I had to file a complaint before I could receive the letter outlining the arrangements of that settlement agreement. 

I never missed a payment to Synchrony Bank until after all of my credit cards were closed at once, and they demanded the total amount of their money. To this date, I have not missed any payments with any of my other creditors. Even after my son was hospitalized for 30 days with XXXX XXXX XXXX, two of which were XXXX XXXX, I never missed a payment. It appears that they have an algorithm that they are using to affect minorities due to race disproportionately. There is no other explanation. 

I located the Sams Club card, XXXX XXXX, and PayPal Mastercard. I have not been able to locate the XXXX XXXX XXXX credit card. I have filed all types of grievances with Synchrony. On several occasions, I called and left a message for the following individuals at Synchrony Bank Headquarters : XXXX XXXX ( XXXX ) XXXX extension XXXX and XXXX XXXX at ( XXXX ) XXXX XXXX extension XXXX with no return phone calls. 

I request that you ask Synchrony Bank to provide me with information on how to pay for the TJ Maxx credit card. Please keep in mind that they have played all types of " malicious games '' with me since I started on this journey of trying to pay for these credit cards. They have some unsavory lending practices that need to be stopped. If my son was not XXXX and I am his only caregiver, I would seek legal action against them. 

In one final attempt on today, Sunday, XX/XX/XXXX, I contact TjMaxx credit/Synchrony Bank at ( XXXX ) XXXX and I was told by the representative to call ( XXXX ) XXXX and no one has any idea on how to pay my credit card bill.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024. I sent the attached security to satisfy the debt in question. I received a response indicating that they would not accept this form of payment.

As a Bona Fide Purchaser, it is my right to exchange value for goods and services. I accepted the demand for payment and sent back my value to exchange for the good provided. The servicer for the loan is refusing to accept the payment. Under UCC 3-603 B, if tender of payment of an obligation to pay is refused, there is discharge, to the extent of the amount of the tender.

Also there was a breach of my right to privacy, when XXXX contacted my sister, without my written permission. 
A XXXX from this organization, illegally contacted my sister, without my permission. 

Representative : XXXX XXXX # XXXX Option # XXXX Extension XXXX I seek remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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

TransUnion on my XX/XX/2021 has balance of {$69.00} dollars and there is no balance owed to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, and 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 12 CFR Part 1006 Fair Debt Collection 1006.2 Definitions ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. 
The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.
Product: Credit reporting or other personal consumer reports

CREDITOR : XXXX XXXX Account Number : XXXX I am filing a formal complaint against TransUnion for failing to report accurate and complete information on my credit report regarding account # XXXX. TransUnions reporting of this account violates specific provisions of the Fair Credit Reporting Act ( FCRA ), and I am requesting your intervention to address these violations. 


Incorrect Date of Last Activity : TransUnion reports the Date of Last Activity as XX/XX/year>, which is inconsistent and inaccurate.

This violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy of the information they report.

Balance Owed Conflicts with Account Status : TransUnion reports a Balance Owed of {$120.00} on this account despite the account being Closed and marked as Charged Off.

Under 15 U.S.C. 1681e ( b ), TransUnion is obligated to correct or remove information that is internally inconsistent.

Inaccurate Account Status : While TransUnion reports the account status as Closed and in Collection/Chargeoff, they continue to show a past due amount of {$120.00}. 
The FCRA requires that all information reported must reflect the accounts current status accurately. Failing to do so misrepresents the accounts condition.