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

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in 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. 

XXXXXXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Student loan

MY INTEREST RATE IS THROUGH THE ROOF AND MY PAYMENTS GO TO INTEREST AND HARDLY ANY OF THE PAYMENT GOES TO PRINCIPAL. I HAVE BEEN PAYING IT FOR 11 YEARS AND IT IS HIGHER THAN THE ORIGINAL AMOUNT I TOOK OUT.
Product: Credit card or prepaid card

I filed a fraud claim with Well Fargo credit card for 2 fraudulent purchases made on XX/XX/2022 for XXXX XXXX XXXX XXXX {$420.00} and XXXX ) XXXX {$280.00}. I nor anyone in my household or anyone known to me made these charges. Wells Fargo reversed the fraud claim. I sent Wells Fargo letter on XX/XX/2022 stating I did not make the charges nor did anyone else known to me make the charges.
Product: Checking or savings account

On XX/XX/XXXX, unauthorized transactions were made using my Chase business debit card, which I never received or activated. Despite promptly reporting the issue and providing evidence of fraudulent activity, my claim was unfairly denied. 

Timeline of Events : 1. Morning ( around XXXXXXXX XXXX  ) : I was at the XXXX XXXX  base waiting for my car purchased at the auction ( XXXX XXXX XXXX ) to be delivered. 
XXXX. Afternoon ( around XXXX XXXX XXXX : The car was delivered, and I paid for its delivery. 
XXXX. XXXXXXXX XXXX XXXX I received notifications about password changes on my Chase account that I did not initiate. 
XXXX. After XXXXXXXX XXXX XXXX I contacted Chase customer support and spent over an hour being transferred between representatives. 
XXXX. AfteXXXX XXXX XXXX : I visited the Chase branch in XXXX, where staff scanned my identification and provided a printout of the suspicious transactions. The branch manager recommended waiting for the transaction processing to complete before filing a claim. 

Key Issues : Fraudulent transactions totaling {$1700.00}, {$510.00}, {$160.00}, {$190.00}, and {$89.00} were completed in-person, which is impossible as I never received or activated this card. 
I provided Chase with all the evidence of my location at the time of the transactions, including receipts, timestamps, and proof of my presence elsewhere. Despite this, the bank disregarded my evidence. 
Attempts to block my account were reversed without my authorization. 
An unknown device was linked to my account, suggesting significant security issues. 
A transaction for {$1700.00} was approved without my involvement, despite its suspicious nature.
Product: Credit card or prepaid card

This credit card company changed my address to a Kentucky address send this lady a card on my account in the name of XXXX XXXX she charged bills at a XXXX XXXX XXXX store in XXXX Kentucky $ looks like $ at least {$340.00} reported to the 3credits bureaus that I was over my limit witch I was not they are still telling me to pay it
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name Here down below Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes
Product: Credit reporting or other personal consumer reports

I have called and sent documentation via mail requesting to update and delete inacurrate information showing on my consumer report : Including names, addresses, and accounts that show incorrect personal information. My information was updated incorrectly without confirmation with me. Disputed accounts also not properly investigated and or resolved.
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is EQUIFAXs to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting XXXX inaccurate late payments for the XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX and a 60 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information in terms of my employer who I never worked for on my XXXX, XXXX  and Experian. I want this false information removed from my Credit Report and exchanged with my current employer XXXX XXXX XXXX XXXX in XXXX located at XXXX XXXX XXXX. XXXX  XXXX, XXXX TX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXXXXXX XXXX  XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Credit card

I purchased a new Apple laptop on XX/XX/XXXX with the promotion of receiving {$390.00} for my old laptop. On Thursday XX/XX/XXXX, I received a revised trade-in value of {$75.00}. The reason was " cosmetic polarizer/delamination damage on the display ''. I am not sure what that even is, as I thought the laptop was in good condition. 

I am now being charged {$390.00} more for my laptop than I believed I was going to be charged. This transaction is on my Apple Card. 

I was told I could cancel the transaction and get my computer back. I did receive the laptop back but now have to transfer, or attempt to now transfer all my data back to my old laptop if I want to keep the new laptop at the " new '' price. 

I believe this is less than honest business practice as to the best of my knowledge, my laptop was in good condition. I did not see anything on the website that help me to determine the value of my laptop. I put in my serial number as requested and was told I would receive {$390.00}. 

XXXX XXXX : XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I got a Email form XXXX XXXX XXXX. Goldman Sachs banks XXXX. Said I had a XXXX for {$210.00}. I called them they said they Canceled the XXXX.
Product: Student loan

On XX/XX/2018 at XXXX, I received a call from Sallie Mae . The phone number was XXXX XXXX XXXX. The called me several times. I answered the phone and reminded them that it is illegal to contact me at this time of night. I am being harassed by this company. I do not owe on this debt, it is not mine. I have stated this many times. I have requested a copy of my signature showing proof. They have provided me only with a statement. I NEVER sign documents online, which is what they are claiming. This is not my debt and this company is harassing me by calling me at XXXX.
Product: Debt collection

I am following up on my previous dispute regarding the collection account listed on my credit report under the account XXXX XXXX In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law.
Product: Credit reporting or other personal consumer reports

I applied for a auto lease from XXXX XXXX on XX/XX/XXXX with my business XXXX XXXX XXXX XXXXXXXX ). I was approved for a XXXX XXXX XXXX and right away I noticed that my credit report had been ran multiple times. I immediately contacted the dealer and was informed by the dealer that they would take care of it and request to have the extra inquire deleted. I have this response in an email. The next day XXXX, when I checked my credit report there was another inquiry added to my report for the same transaction. I contacted the dealership immediately and reiterated that I only requested to apply through XXXX and should only have XXXX inquiry on my credit report. I was assured that this too would be taking care of and removed. 

After contacting TransUnion on Thursday, XX/XX/XXXX, The representative advised that I needed to contact the FTC for a Letter of Deletion. After visiting the FTC website I was directed to the CFPB for submission and completion of this issue. 

I am requesting for all but XXXX of the inquiries placed by XXXX XXXX of XXXX, XXXX  to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXXXXXX, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Balance {$1400.00} Balance updated XX/XX/XXXX I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,
Product: Debt collection

Sheffield Financial contacted me ( XXXX XXXX XXXX and left a voicemail. In the voicemail, the caller identified my brother XXXX XXXX XXXX XXXX, the caller 's employer ( Sheffield Financial ) and a contact number. This is in violation of the FDCPA and would not be a limited-content message as they identified the consumer ( XXXX XXXX XXXX to a third party ( me ). I did not know my brother owed a debt before the voicemail.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-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 human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$490.00} XXXX  XXXX Balance : {$3500.00} XXXX  XXXX Balance : {$5700.00} XXXX  XXXX Balance : {$5000.00} XXXX  XXXX Balance : {$490.00} XXXX  XXXX Balance : {$3500.00} XXXX  XXXX Balance : {$5800.00} XXXX  XXXX Balance : {$5100.00} XXXX  XXXX Balance : {$490.00}
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 XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On or about XX/XX/2020, I phoned quicken loans to discuss refinancing my mortgage. I wanted some ballpark figures, as I'm comparing offers from lenders. As I was speaking to the agent, XXXX XXXX, he said he needed to verify some information in my credit report, and asked for my birthday and social security number. I told him I did not want my credit pulled. He responded that he had already pulled my credit and wanted to verify information. Because I believed my credit had already been pulled ( based on XXXX XXXX representation of same ), I continued discussing the refinance with him. 

I then received multiple alters of the credit pull from credit monitoring systems I use. I believe my credit was pulled in error and want Quicken loans to delete the pull entry so it disappears on my credit report. 

I contacted Quicken Loans and they refused to correct my credit report. They claim to have a recording of my call but refused my multiple requests to receive a copy of the recording.
Product: Debt collection

The debt collector in question is : Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX I called to address multiple outstanding invoices, because I am trying to repair my credit. The representative on the phone took my information. He took my credit card ; he didn't explain that he was " settling '' the debt instead of paying it in full. 

The creditor marked the account ( s ) as " settled '' and there is now no way to remove them from credit.
Product: Credit reporting or other personal consumer reports

Collections and a defaulted XXXX  loan on my transunion, XXXX and XXXX credit bureau reports are not mine. My XXXX XXXX XXXX  and this was reported to authorities. I should not be penalized for this.
Product: Debt collection

While checking my consumer reports I noticed an account that has been charged off/never late. This account is being reported by XXXX XXXX XXXX XXXX XXXX This account is from an auto lease that was never late and surrendered to the dealership at the end of my lease in GOOD STANDING. I was told at the dealership, I did not owe anything on the vehicle. 

I spoke with an agent from Southeast Toyota Finance and was told, I only owed for the extra car key that was not surrendered due to it being lost. I paid {$400.00} for that item. If this account is being reported as charge off/never late. How is there a past due balance when the lease was paid in full? I made every payment on time throughout the duration of my lease. There is no contact info for this creditor therefore making it difficult for me as a consumer to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint has been submitted several times I've complained about being a victim of identity theft. Transunion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX
Product: Checking or savings account

Hello, I opened a savings account at TD bank that came with a {$200.00} bonus, but after completing the terms I never received the bonus. Below is a timeline of the events : Fall XXXX : Received mailer promoting " {$300.00} when you have {$2500.00} in direct deposits within 60 days. '' XX/XX/XXXX : Opened a checking account with TD bank and did two direct deposits totaling more than {$2500.00}. 
XXXX XXXX : Called TD bank customer service line to make sure the account qualified for the bonus, and was assured that they did. 
XX/XX/XXXX : Completed the terms for receiving the bonus. 
XX/XX/XXXX : The bonus was still not reflected in my account, so I called the store manager about the lack of payment. He was going to look into it but I never heard back about a resolution XX/XX/XXXX : Went into another TD bank and spoke to a manager about the issue. She claimed no promotional mailer was sent to my address. They asked if I had a copy of the mailer but I no longer had it after opening the account 2 years ago. I believe there may be an error in their electronic system about who/where the mailers were sent to, because I definitely learned of the promotion through a mailer I received in my mailbox.
Product: Debt collection

Resurgent Capital Services collected a debt that has been disputed SEVERAL times with CFPB ; see account # XXXX. 

Resurgent Capital Services filed a claim in or around XX/XX/XXXX in amount {$8200.00} in United States Bankruptcy county under XXXX. A Proof of Claim Objection was file with honorable judge XXXX XXXX and hearing date was set for XX/XX/XXXX, however on XX/XX/XXXX Resurgent Capital Services submitted a WITHDRAWAL OF CLAIM.
Product: Debt collection

Debit collection company is Dynamic Recovery Solutions. They called 4 times back to back at XXXX. I called back and spoke to someone and stated they can not call me repeatedly. The collector became loud, talked over me, which is abusive and began screaming " here comes the manager ''. I told them do not call me again, cease and desist. The line was then disconnected. They continue to call me and have tried to call me 6 times today Before XXXX. This is ynlawful harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Agency Act XXXX XXXXXXXX XXXX XXXX XXXX : XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end customer credit plan as late for any purpose.