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

Consumer name : XXXX XXXX. 
Social security XXXX :XXXX DOB XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of XXXX XXXX and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a account that opened up by OFFICE OF ATTORNEY GENERAL opened up XX/XX/XXXX under account XXXX, XXXX XXXX XXXX opened XXXX XXXX under account XXXX, XXXX XXXX XXXX opened up XX/XX/XXXX under account XXXX, XXXX XXXX XXXX under account XXXX, XXXX XXXX XXXX opened XX/XX/XXXX under account XXXX, XXXX XXXX opened XX/XX/XXXX under account XXXX, XXXX XXXX opened XX/XX/XXXX under account XXXX, XXXX  XXXX opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraud collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned 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 aforementioned accounts, collections, and hard inquiries are the result of XXXX XXXX and fraud. I have attached a copy of FTC XXXX XXXX XXXX  Complaint XXXX ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I recently applied for auto insurance through XXXX. I paid my policy premium amount. Due to vandalism, I took out a claim to have my windshield and rear driver glass repaired. My coverage on the policy I ourchased has a {$0.00} deductible. Yet I received a letter stating that even though I've already paid my 6 month premium, according to LexiusNexus do to XXXX credit I do not qualify for the lowest comprehensive deductible, even though I have already paid for XXXX month premium coverage. 

In addition I have signed opt out documents to opt out of any reporting and they refuse to honor the signed request. They absolutely received the form notice and refuse to. Lexius Nexius has caused many problems in my life due to misuse of a report, or using non verified public information that is fast out wrong. They also known this and refuse to adjust or clear my credit file. 

In addition like LexisNexis, XXXX refuses to publish accurate or updated information. Again I state that despite numerous attempts to clear, correct adjust, or remove all of the inaccurate public information attached to my consumer reports has made my life less than and my quality of life suffers because of wrong, and erroneously reported information. Question, How do I not generate a score yet have such a delinquent and derogatory credit file, I have NEVER been approved for any credit type never, a credit card or a loan. 
I have less than XXXX in total debt and I'm XXXX XXXX XXXX and I have to many outstanding collections. XXXX  show only XXXX vendors that I owe and XXXX of them is also wrong information.
Product: Credit card or prepaid card

I have an American Express Delta Skymiles credit card. I am a self-employed person and due to Covid-19, my business was in a disastrous situation and i could not make my credit card payment on time for the months of XXXX and XXXX. In the month of XXXX, after receiving unemployment benefits, I received some money and immediately paid off the entire statement balance on my American express credit card. 

However, they charged me an interest of {$52.00} and {$34.00} for the two months along with two late fees of {$39.00} each month. I called American Express customer service several times and requested them to waive these interest charges and late fees as this was due to an extreme hardship as a result Covid-19 situation. 

American Express flatly refused to waive these interest charges and waived only one late fee of {$39.00} for XXXX. i am requesting that the interest charges for these two months and the late fee for the month of XXXX should be waived as this was a hardship situation for me. 

I also expect American express to show some empathy towards consumers and not engage in predatory and unethical business practice as i believe they demonstrating during this pandemic.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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. 


EQUIFAX XXXX XXXX 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion several times ( 3 ) to correct the balance on an existing credit card ( XXXX XXXX ) to reflect a XXXX balance but they did not and at my third attempt they deleted the account all together. I requested a supervisor and spoke to " XXXX XXXX " from an XXXX division who said I have to now contact XXXX XXXX to have them put it back on my report.
Product: Credit card

I have my Target card set up on Autopay. It's been taking money out of the secondary account for months - the primary account has money. Every time I try to switch autopay accounts it tells me I can't because I have a payment pending -- I always have a payment pending - because it's autopay. I received a notice from my credit report that my score had dropped XXXX points because I allegedly missed XXXX payments. I haven't missed a payment - again - it's autopay. They claim a payment was returned - yet i had a secondary payment method AND I was never notified of a returned payment. They then apparently took my next months payment, said it was for the previous month, then accused me of missing a second payment. This is classic behavior of what credit card companies did before consumer protection - intentionally 'misplace ' a payment, accuse the owner of the card of negligence and destroy their credit score so they can charge more interest. This is corrupt and a money grab, and it's intentional. It's been happening for decades and nothing is ever done about it.
Product: Vehicle loan or lease

High interest rates and harm by illegal activity fro Wells Fargo auto loans for the year of 2022.
Product: Debt collection

On XXXX/XXXX/XXXX I received a collection notice that I owed {$210.00} to a dentist. On XXXX/XXXX/XXXX I called the dentist 's office and inquired about this, they know nothing about this collection company and they said my account is paid in full.
Product: Payday loan, title loan, or personal loan

We have a loan with LoanPal for our new solar system on our house. We are making our regular payments on the XXXX of the month. We made a principal only payment on the XXXX of the month and were told they charged us {$16.00} in interest for the five days  between payments. This company refuses to let us make principal only payments. I have never been late with any payment since it is set up for autopay through my checking account. Also their monthly statements do not reflect the amount applied to principal and interest. They are not breaking these amounts out so I can see them. This should be shown on the statement. We called and asked how to make principal payments and were told we could not make them. I was also told that I had to call each month to get the amount of principal and interest paid.
Product: Checking or savings account

On Sunday XX/XX/XXXX at XXXX, I was notified that I had a transaction of {$120.00} at XXXX. I was worried because I did not make any transaction that big recently. I tried to send in a dispute that night but it told me " please wait 3 days due to this being a pending transaction ''. 

So I waited 3 days and contacted chime support by phone. I had proof of an XXXX support chat saying that this transaction was made with another XXXX account and not mine. 
I was told during the call if I had any attachments such as proof, to add it to the dispute in the app. After the call was done I had received an email saying the dispute was created but there was no option on the dispute in the app to add attachments. About less than an hour later the dispute was declined. 

I had spent all night looking, trying to see how this transaction was made so I could get some proof at least to add to the dispute. I surprisingly found that I had another XXXX account but I could not log into it because it contained my old phone number which I do not have anymore. The person who purchased {$120.00} worth obtained the phone number and basically had free access to the account with the debit card linked to it. 
I logged into the email that was linked to the XXXX and saw the purchase confirmations to an address in XXXX which is not where I live. 

I screenshotted evidence such as the order, them obtaining access to my account/resetting my password and XXXX support saying that I should dispute this right away. Contacted support again, reopened the dispute and sent the attachments to their support email to attach to the dispute. 
Less than an hour later, denied again.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Immediate Blocking and Deletion of Fraudulent Information To Whom It May Concern, Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681c-2, I am formally requesting the immediate removal and blocking of fraudulent information from my credit report. This request is based on a verified identity theft claim, as supported by the enclosed documents, including : 1. Federal Trade Commission ( FTC ) Identity Theft Report ( Case Number : [ FTC REPORT NUMBER : XXXX XXXX. Police Report filed with my local law enforcement agency. 

Under 15 U.S.C. 1681c-2 ( b ), credit reporting agencies are legally required to block fraudulent information flagged by the consumer within four ( 4 ) business days of receiving a valid identity theft report. Failure to comply with this requirement constitutes a violation of federal law and subjects your agency to potential legal consequences.

The following items on my credit report are fraudulent and must be blocked and permanently deleted immediately : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX As mandated under 15 U.S.C. 1681i ( a ), your agency must investigate and resolve disputes promptly. I am also aware of my rights under 15 U.S.C. 1681n, which entitles me to take legal action in the event of non-compliance. If this matter is not resolved promptly, I will pursue all available legal remedies to enforce my rights. 

For your convenience, I have provided all necessary documentation to validate this claim, including a copy of my government-issued identification and proof of address. This letter, along with the enclosed documents, has also been sent via fax and certified mail for tracking purposes. 

I expect a written confirmation of the removal of the fraudulent items and an updated copy of my credit report reflecting these corrections within the legally mandated timeframe. Failure to respond appropriately will compel me to escalate this matter further. 

I trust that your agency will address this issue with the urgency and professionalism it demands.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX : {$10000.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Please remove this debt from my credit reports immediately! Ive never received a 1099-C for this debt. This debt was reported stolen on XX/XX/year> with a police report filed. The police were unable to find the vehicle and or whom took possession of it, along with my personal property within it. I have reached out to their customer service representatives, in which they informed me that the account was no longer in their system ( Stellantis Financial ). I received a letter via mail on yesterday, XX/XX/year> as a NOTICE OF OUR PLAN TO SELL PROPERTY, in which I have never received a notice of Right to Redeem from the company in any form nor via mail or certified mail. Per 15 USC 1692F non judicial repossessions are illegal! The vehicle was illegally seized and broken into, in which the police officer and I ( along with the XXXX XXXX XXXX ) disabled the vehicle by turning the engine off and locking its doors remotely from the manufacturer system I have with XXXX XXXX XXXX. This company has refused to provide the 1099-C for my income, but has reported and placed this debt as a charge-off on my credit reports to XXXX, XXXX, and XXXX XXXX XXXX, XXXX. Please have this fraudulent activity removed from all XXXX credit reports.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX a car was financed through XXXX XXXX XXXX XXXX in the amount of {$29000.00} in my name I believe by persons below. 
Yes, fraudulent accounts or charges appear on my credit report Names : XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, or XXXX XXXX XXXX XXXX XXXX, CA XXXX Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX Mobile Phone Account now in collections. 
Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$730.00} I contacted Equifax and sent all required document 's and only above names and addresses was removed nothing else fraudulent accounts remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing erroneous items on my credit report with this credit bureau and they have not done a good job with investigating these errors. Also, Ive been working with a credit repair agency ( for over 6months ) to repair my credit. I have been following all the recommendations and the credit bureau has been decreasing my credit score. Ive tried to file complaints ( XXXX ) with the credit bureau about my concerns and no one has helped. This credit bureau is hurting my chances for applying for loans to help with debt consolidation so I can provide for my children. I am crying out for help with this situation.
Product: Money transfer, virtual currency, or money service

Pnc will not allow XXXX to verify balances.
Product: Checking or savings account

On XX/XX/year> at XXXX I was picking up my XXXX XXXX XXXX grandmother from the airport where she work. I think you have to use money to get in the XXXX XXXX so I notice my wallet missing today XX/XX/year> I dont know if I drop it luckily I had cash on me. Today XX/XX/year> I notice on XX/XX/year> a charge for {$140.00} frontier web & on XX/XX/year> a XXXX charges for {$1000.00} each for a total of {$2000.00}. I never been to Florida a day in my life I stay in XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX at work right now. on the back of my card I have sticky note with my pin on it XXXX of the card XXXX XXXX XXXX XXXX so I wouldnt forget it also i wrote on the sticky note ID needed it to use so I wont ever forget to get XXXX ID and XXXX employees dont really check as long as it matches in the system. Somebody could easily access it because my ID and my exceed card was in my wallet when it was lost. I dont know if I drop it or it got stolen honestly. Please help me resolve and get my money back. Thats all I want it is a new card and my money back I love money network. I dont stay in Florida XXXX my purchases are in Texas XXXX never been to Florida XXXX # XXXX
Product: Student loan

I have been making on time payments that I agreed with the company. However, the company continued to report late or no payments. I contact the company to resolve this matter, but they refuse to make the corrections. This matter prevents me from purchasing a home.
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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

I made a payment from my HSBC account to my XXXX XXXX credit card on XX/XX/XXXX for {$600.00}. Generally, HSBC offers the option to issue the payment as either a Wire Transfer XXXX  a Real Time Payment. For some reason, their mobile app automatically routes the transaction through the Real Time Payment network, so my payment was issued as an XXXX, which according to HSBC, is settled immediately. On the XXXX XXXX side, they claim that they can not locate the payment and asked for a document providing confirmation of the settled transaction. HSBC provided a screenshot of the transaction confirmation, with limited details. XXXX XXXX says that the funds were returned to HSBC on XX/XX/XXXX.
Product: Debt collection

EZ Money Loans had a person by the name of XXXX XXXX call my wifes phone. Said he was a state attorney for XXXX XXXX texas. i called the XXXX XXXX district attorney and asked if he worked for them as a state attorney and he does not. he said there are XXXX felony charges being pushed against me and also a failure to appear. said i would be expedited from my home to texas and imprisoned. this person was trying to extort money from me off a payday loan in which i lost my job and could not pay it back. the loan was taken out when my account was active and working. he said their company tried XXXX times to charge the account and it was sent back as insufficient funds and the XXXX time it was sent back because the bank closed the account. he threatened my pregnant wife to have me pulled from my home and put in prison over a {$600.00} payday loan from XXXX 2013.
Product: Debt collection

The company Vance and Huffman LLC has been harassing me and trying to contact me for a collection that is not mine. Its for {$1500.00} and its from the XXXX XXXX which when I looked it up is located in Texas and I live in XXXX XXXX. Ive been dealing with identify theft and credit card fraud from my ex girlfriend XXXX XXXX XXXX and I am sure she did this. The company even somehow got ahold of my dads number ( which is very private ) and asked for my whereabouts and he said it was very threatening. Ive called them to tell them its fraud and XXXX XXXX is the worst and sketchiest salesman.
Product: Credit card or prepaid card

A new credit card was established around the beginning of XXXX and one transaction of {$32.00} on the XXXX statement. The statement address was incorrect and no statements were received. Multiple late charges and interest amounts were assessed to the account. 

On XX/XX/XXXX, I was made aware of the situation and I called in and paid the {$32.00} amount that was charged. In addition, the representative in collections waived all of the late and interest charges on the account. The account was paid in full by the XX/XX/XXXX due date. On XX/XX/XXXX when the next statement closed, there was a {$29.00} late fee that was unjustly charged because the balance was paid in full. Our understanding was that the account was paid in full. The address was still not corrected. 

We called back on XX/XX/XXXX and spoke with XXXX at US Bank  and he said that not all of the charges were waived like we thought. He said could not waive the other late fees and additional late charges, even after explaining the situation. We still haven't received a statement, but found the statement online. They are charging additional late fees without any justification.