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

My account with XXXXXXXX XXXX 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 in those account 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. 


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! 

Delete the late payments from my consumer reports
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. 

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$110.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX : Balance : {$690.00} Account Name : XXXX : Account Number : XXXX : Balance : {$18.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$9300.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$5200.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$460.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$990.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXXXXXX XXXX XX/XX/XXXX 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: Debt collection

Despite numerous disputes, the erroneous information persists, staining the overall standing of my credit report. I demand immediate action to rectify this issue and request the removal of these inaccurate late payments. 
Account Information : XXXX XXXX XXXX payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the mentioned account, and it is disheartening to see that inaccurate late payments continue to be reported on my credit file. This misinformation is negatively impacting my credit standing and hindering my ability to secure favorable financial opportunities. 
I am formally requesting the immediate removal of the inaccurate late payments from my credit report. The Fair Credit Reporting Act ( FCRA ) mandates a prompt resolution of consumer disputes, and it is imperative that you adhere to these guidelines to ensure the accuracy of my credit report. The prolonged existence of these inaccuracies despite previous disputes is unacceptable, and I demand immediate action to rectify this situation.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following previous addresses listed on my XXXX and Experian credit report are not my previous addresses : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, AZ XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, and XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX, the previous addresses arent my previous addresses. The previous addresses do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint against EQuifax and XXXX on reporting information incorrectly and the issue has not been resolved. I have contacted the credit bureaus and made sure they had my personal information which they stated they needed my address in order to correct inaccuracies. While looking at my credit report I noticed the following accounts had a discrepancy in the account status. The accounts are reporting as open which obviously an account that has been sent to collections should not be listed as open and is not under XXXX compliance. Because of this apparent neglect in assuring everything in my credit report is accurate, consistent and up to date please delete these items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQuifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My adult son has outstanding student loan debt. My wife and I co-signed for his loans and he had difficulty in finding a job that would allow him to pay off the loans. We have been receiving numerous telephone calls from National Enterprise Systems ( NES ), most recently XXXX yesterday where they actually left a vm message on our answering machine, informing us that they were debt collectors, yet the caller I.D . only showed the phone number ( ( XXXX XXXX XXXX ) and that the call came from XXXXXXXX. I called the number and got a recording that identified the company as ( NES ) Prior to that, they had been calling us from XXXX, XXXX and using a phone number of ( ( XXXX XXXX XXXX ). I believe that XXXX XXXX XXXX XXXX has sold my sons student loan debt to NES. My son is currently working with a company to help him manage his student loan debt and he informed me that they have reached out to his creditors to attempt to pay his debts. My wife and I are retired and we do not get involved in our sons financial affairs. My wife 's health as of late has not been good as she had a XXXX a few months ago. The added stress of companies such as NES constantly calling us and harassing us is adding to her stress level. I had previously filed a complaint with your agency back in XXXX of 2015 concerning a similar situation with Navient/XXXX ( Ref complaint # XXXX ) and I have received well over 100 phone calls from them since filing that complaint. If my son was a deadbeat and blatantly refused to own up to his financial obligations, I would not have a complaint but that is not the issue here. These companies that finance student loans and the third party companies that they sell these loans to for collections are predatory sharks and action needs to be taken by our government to stop these strong arm tactics used by some of these companies
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

You have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol, you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement To SUNTRUST XXXX on XX/XX/XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my [ XXXX, XXXX, and/or XXXX ] consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides XXXX A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; I did not give you written instruction and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with SUNTRUST XXXX. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with SUNTRUST XXXX for review or collection., under the FCRA XXXX Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C . 1681n ( a ).
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX - XXXX - {$0.00} XXXX XXXX  - XXXX - {$0.00} XXXX XXXX  XXXX - XXXX - {$120.00} Inquiry XXXX  XXXX - XX/XX/2024
Product: Debt collection

I received a email from XXXX data breach settlement. The email was regarding to a data breach with 147 million customers in 2017. I am one of those customers. I have no knowledge of these debts. I have tried to dispute these debts through XXXX and XXXX for years.
Product: Debt collection

I received a NOTICE OF DEBT from CREDIT COLLECTION SERVICES dated XX/XX/2021 for {$1000.00}. I am a federally protected consumer. I never gave consent for CREDIT COLLECTION SERVICES to communicate or contract with me. Under 15 U.S. Code 1692, there are several violations that CREDIT COLLECTION SERVICES committed. The debt collector was sent a notarized Affidavit of Truth, exhibit ( s ) of violations and an invoice certified mail for their abusive practices dated XX/XX/2021 from the federally protected consumer. I am seeking my requested remedy according to damage sustained and regulated under 15 U.S. Code 1692.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax have been informed of my identity theft victim status, and documents have been submitted to them multiple times. However, they continue to report unauthorized inquiries on my consumer report. I have not approved any inquiries that do not correspond to an open account on my credit report. Additionally, Equifax disputed these findings and provided results on the same day, which seems implausible given the volume of inquiries that appeared simultaneously. These fraudulent inquiries must be promptly removed.
Product: Debt collection

I was in receipt of a letter dated XX/XX/2016 signed by XXXX who works for Clear Recon Corp. This letter of debt and documents attached are disputed in its entirety. I am working with a single point of contact from XXXX who is XXXX. The Home owner bill of rights statute of conditions precedent are still pending. I have attached a letter that will be sent to XXXX who works for Clear Recon Corp. This is to stop all collections Pursuant to FDCPA 15 USC 1692c to cease communication with consumer and any further attempts to collect a disputed debt that Clear Recon Corp. alleges.
Product: Student loan

Conduent ( ACS ) Loan service handles my student loans. The website is not active, unable to reach anyone and horrified that they cover my loans. I am unable to view history of payments, or updated information. Funny they don't seem to have a problem taking money out of my account every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus verification request. Request came back verified. I'm not sure how. I contacted portfolio recovery requesting debt validation. They failed to properly validate and did not sent back the 5 items listed in my letter. Instead they began to send me collection notices. I sent notice to the credit bureaus but still they keep reporting this debt collection on my report. I sent a 3rd request to Portfolio Recovery to validated the debt as the credit bureau, XXXX specifically, advised me that portfolio recovery had to send me what they used to validated the debt. Again they did not send all items listed including a contract. I even contacted XXXX XXXX the company they are collecting for they were not able to locate the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was taken from a storage unit I had that was auctioned off. Please delete these items immediately, I have reached out to all creditors as well. 

XXXX XXXX {$250.00} XXXX XXXX {$230.00} XXXX {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX  XXXX Balance : {$3700.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$6000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6000.00}
Product: Mortgage

I have my house for sale. I thought that the second mortgage acquired on XX/XX/XXXX, was " charge off '' Chase Modification on XX/XX/XXXX. 
The escrow office received the Prelim Report where a second mortgage of {$65000.00} appears. 
On XX/XX/XXXX, by the first time the escrow office sent a Request for XXXX Demand and Reconveyance to Chase-JP Morgan Chase Bank-Washington Mutual Bank. On XX/XX/XXXX, by phone, the bank responded they need a payoff proof only. 
On XX/XX/XXXX, by the second time the escrow office sent a fax to JPMorgan Chase Bank, Successor in interest to Washington Mutual Bank, fax : ( XXXX ) XXXX, requesting to confirm with their records to Full reconveyance on the second loan. 
On XX/XX/XXXX, a Third Request was emailed to XXXX from the Broker who represents me on the sale. 
All the three requests have been sent with attachments of Authorization Letter signed from me, Deed of Trust, Preliminary Title Report, Washington Mutual Second loan Mortgage, and my Credit Report. We have not received any response.
Product: Checking or savings account

I was living with friends when I had an unexpected family emergency abroad. I spent XXXX months out of the country and unbeknownst to me, all of my bank accounts were frauded by someone who had access to my belongings. I wasnt aware of any of the actions until recently where I have been trying to open a checking account for my personal use. I keep getting denied and I am being told it is because of fraudulent activity with my past accounts. None of which I did or had any knowledge of. The friend whose house I was staying at, told me there was a break in and that is why my belongings and information were comprised. I do not know what to do now, especially not having access to a checking account for my employment.
Product: Vehicle loan or lease

Abusive and deceptive practices regarding loan circumstances, unjust interest rates, deceptive business tactics, deceptive dealership consumer luring, using discretion with vital information in consumer regard, dealership being compensated after loan and payments being made. Misrepresenting finance-and-insure products as mandatory and hiding the fact they were there within the deals to buy the cars. Pretending to be third party companies within the contract such as XXXX and repair shops. Deceptive consumer reporting and refusing to show receipt of check from XXXX company as requested. They are in violation of Georgia Usury laws of maximum 7 percent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX PERSONAL INFORMATION UPDATE REQUEST To Whom It May Concern : I recently obtained a copy of my consumer report and noticed that you are reporting inaccurate information in my personal information section. To diminish speculation mu information is as follows : My Full Legal Name : XXXX XXXX XXXX Please DELETE all other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. 

My Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Please DELETE addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is : ( XXXX ) XXXX DELETE any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the consumer file for privacy reasons. 

DELETE all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated consumer report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX WITHOUT RECOURSE Enclosed : copy of State ID and Cable bill showing proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have applied several times to receive my 3 free annual credit reports. I have been receiving them for the past 5 years without any problem. Now 2 companies, XXXX and Trans-Union have put up roadblocks and are stonewalling me. Trans-union is claiming they never heard of me and I am using a factious address. XXXX  sent me my annual report within a week. It is only these two companies who are giving me a problem and have something to hid. They are not adhering to the law and refuse to comply with my request Cordially, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me..At no time did I give them permission to inquiry about my credit status, such inquiries made were for no legitimate business purpose. This is a violation of the Fair Credit Reporting Act and a serious breach of my privacy rights.. please delete this misleading information XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Consumer Loan

I have paid off my auto loan but on my credit report it shows I still owe {$15000.00}. That is so untrue and my credit report needs to reflect that the account has been paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a young girl I had no idea about the affect of rates and XXXX and not been schooled by regulators like the cfpb mso following the fair lending act was not a priority. Following a few unauthorized chages and taking my XXXX father on some trips before he past I began to strugle with the payment and had noidea howt o argue the unauthorized items. 

Never the less, XXXX XXXX XXXX continues to practiceshady principles byenetering reporting dates of 2019 when the account was closed inXXXXmorethan13 years ago. The items SHouldhave been removed on time alone but Icontinue to struggle with the CRA 's to take notice and remove them and they continue to rob our right of a full life that my husband and I deserve. 

FCRA laws point to the fact these should be removed desopite XXXX XXXX XXXX shady reporting and zim hoping you folks willbring them backto reality.