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

My account with XXXX XXXXDEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXDEPT OF ED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

XX/XX/XXXX I applied for a car through XXXX. Was approved for a loan through XXXX XXXX of XXXX. I signed all paperwork and drove off the lot with my car. on a sunday spoke with them on a tuesday. They asked me how much I put down on a downpayment and if that payment was made in cash. Confirmed all personal information on the phone. Was told by agent on a recorded line that my deal went through my first payment was due in XX/XX/2023. I was told on XX/XX/XXXX by car dealer that the bank was holding back on their offer because when they verified my job it stated on leave, which insured I am still fully employed by this company. I sent over paycheck stubs. The company spoke with the hiring supervisor whom in fact confirmed my employment. I sent over a letter from my HR department showing proof I in fact am employed through XXXX XXXXXXXX. Never did the bank reach out to me to ask me about my employment showing on leave. I had to return this car after having my credit pulled and putting my money down I had drove over XXXX miles to pick the car up. Spent over an hour signing paperwork. After all that was submitted they still stated i needed to show a different form of income with everything that was provided. I ended up returning car to dealership a month later I received a denial letter from XXXX stating that they denied me for things on my credit ike payment history delinquencies, etc. This in fact was not true and I have proof. Also the dealer contacted and voiced his frustration with the process and told them I can i can seek legal action.
Product: Credit reporting or other personal consumer reports

I would like for Discover Bank to stop sharing my nonpublic personal information with nonaffiliated third parties, including the consumer reporting agencies : XXXX, XXXX, and XXXX.
Product: Credit card or prepaid card

I made a payment of {$2100.00} to my credit card that was received, XX/XX/2018. The payment was received and cleared by the merchant approximately, XX/XX/2018 and Synchrony Bank granted me around {$850.00} of credit, instead of the full amount. It is unfair of Synchrony Bank to " float, '' {$1300.00} of my payment for 1 week and I believe in violation of state and federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which was opened without my knowledge, consent or authority. The following inquiries need to be removed as they are fraudulent. 

EQUIFAX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

about 2 years ago I tried to open a credit card with lowe 's but it was denied, yesterday XX/XX/2021 I tried to apply again but it was denied. 

I went today XX/XX/2021 to the store to apply in person and it was denied, call today XX/XX/2021 at the lowe 's credit center, and ask why I am being denied. 

They told me you are blocked because the application was not finished, you can go to the store and have them apply for you, I went and they measured the same thing, this time they gave me a reference number XXXX then I got a text with a link between and when I finished they told me that unfurnately been declined at this time. I feel discriminated by LOWE 'S because he is the only one who denies me a credit card, XXXX, XXXX, XXXX XXXX and others do not deny me my credit.or your help thanks,
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below 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 first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, Consumer, who currently resides at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Experian Information Solutions , Inc. any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, and nonaffiliated third parties, have violated many Consumer Protection and XXXX XXXXnd Privacy Laws. XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, XXXX, severe financial distress, causing him to be unable to extend credit. This account needs to be deleted and permanently removed from the XXXX and Experian credit file of XXXX XXXX, XXXX.
Product: Credit card or prepaid card

I held a XXXX  XXXX store credit card for several years and had excellent payment history. I had about $ XXXX in available credit. I received a notice from the card provider that they were reducing my credit limit leaving me with virtually no credit available. I continued making payments on time. Then I got another letter saying they were reducing my credit limit again wiping out all available credit. I continued to pay on time. They again sent me a 3rd letter reducing my credit limit and keeping available credit at XXXX. I called them and they said they didnt know why the company would do that since I had excellent payment history but too bad. Then they sent me a special offer for my birthday that I couldnt use because theyd completely reduced all available credit. Haha! I called them again to complain. Again they couldnt understand or provide an answer. So I stopped paying to get their attention. They just started adding fees for nonpayment. Now the amount I owe them is much higher than the amount of my final reduced credit limit and outstanding balance but still less than the credit limit I had before they starting the 3 credit limit reductions. They instigated this situation. Why should I continue to pay on a credit card that keeps renegotiating the terms out of the blue when Id been so diligent about using the card responsibly?
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) That you, The TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of Identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card opened at XXXX XXXX on XX/XX/year> under the account number XXXX, XXXX XXXX on XX/XX/year> under the account number XXXX, XXXX XXXX on XX/XX/year> under the account number XXXX, XXXX XXXX opened XX/XX/year> under account number XXXX, XXXX XXXX opened on XX/XX/year> under account number XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you wnich shows the atorementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections, 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 identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the result of identity theft and fraud.
Product: Debt collection

The company Sequium Asset Solutions placed a collection debt on my XXXX XXXX credit report. They are saying I owe {$550.00} for a XXXX XXXX XXXX XXXX. This is not my account. I do not have XXXX XXXX XXXX XXXX. I did receive several phone call from XXXX mentioning about the same account. I did speak with them on the phone XX/XX/XXXX. And I told them this is not my account. I was told to call XXXX XXXX XXXX, which I did. They suggested I file a report with Identity Theft Report. I that on XX/XX/XXXX. I have not spoken with Sequium Asset Solutions, but I did do some research on them and found similar incidences to my case. Also I spoke with XXXX today concerning this situation because I received a notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX, Equifax, And XXXX concerning my credit report. They have told me there were nothing they can do. I have inquiries and accounts ( listed below ) that are not mines. Under the Fair Credit Reporting every violations ( listed below ) XXXX guaranteed XXXX per violation. The accounts that need to be removed are Both XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ( Both XXXX XXXX  ACCOUNTS ) its been passed over due and I paid the accounts in full and its closed I dont need the use of the accounts anymore. I want it to be removed. The XXXX Account should removed its been closed and I no longer use of it and it needs to be removed. I have no knowledge of XXXX XXXX XXXX account and the XXXX XXXX Account and needs to be removed please. XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX needs to be removed due to no knowledge of my account. If they are closed they need to be removed. The inquires that need to be removed due to no knowledge of them are : TXXXX 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 The violations that happened to me are 1 ) All Credit Bureaus are not updated on credit reporting. 2 ) Refusing to updated and removed false information from credit report. 3 ) Each credit Bureau have different information from one another. 4 ) I provided them with proof and they still refused to remove false information. 5 ) They did not take their time to go over my credit report. I have 5 violations that was done to me by XXXX, Equifax and XXXX. Meaning I should be getting a check for {$5000.00}.
Product: Credit card or prepaid card

Penfed Credit Union Credit Card 1. in XX/XX/XXXX and asked for information to resolve purchases made fraudulently and requested lengthy series of personal information for nearly XXXX minutes over the phone.. When I followed up, other personnel did not recognize or seem to know who I talked with. 

2.People who said they were not directly associated with Penfed took additional info and alerted Penfed. 
3. Penfed seemed to resolve issue after lengthy interrogation ( XXXX ) and sent a new card and updated statement.The statement did not include a previous payment of {$100.00}. Date : XXXX XXXX XXXXWhen I called about incorrect statement another lengthy series of questions were asked including SSAN ( social security # ) in order to move previous payment from old account to new account. Previous payment was verbally recognized, but not in writing. 

5. Another call received XX/XX/XXXX from Penfed ( XXXX XXXX ) alerting me of another fraudulent purchased even though newcard has not been used, XXXX insisted I needed to provide SSAN in order to resolve issue for nearly 30 minutes. When I finally gave SSAN he claimed I had been rude and hung up. Issue not resolved.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my conaumer file. There are several names and address listed that are not mine and I have NEVER lived there. Consumer agencies are required to report accurate information or it is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

The attached exhibits clearly display each violation of federal law against my consumer rights that XXXX XXXX has committed and if I did not send a cease-and-desist letter on XX/XX/2021, XXXX XXXX would have continued to violate my consumer rights in regard to an alleged debt. I am the original creditor of this consumer credit transaction and am the only one who could validate this alleged debt. This alleged debt is not mine nor does it belong to me but instead my social security number assigned to me as a natural person was used for XXXX XXXX XXXX to have a line of credit extended to the corporation. XXXX XXXX is the debtor/borrower for the referenced accounts mentioned in the attached exhibits. XXXX XXXX XXXX also has been sharing my information with 3rd parties that were not involved at all with the initial consumer credit transaction which also violates federal law. XXXX XXXX XXXX has caused much pain and hardship for me and my family as consumers and they must be stopped before XXXX XXXX XXXX continues to violate other natural persons consumer rights. The referenced XXXX XXXX XXXX account # : XXXX should be deleted from all 3 of my credit reports ( XXXX, Experian, XXXX  ) and monetary damages detailed in the attached Bill of Particulars should be paid within 30 days of receipt of this demand letter. I hereby state that the information above is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete, and relevant information has not been omitted. If this demand for violating my rights through perjury of law is not acknowledged and rectified upon receipt or within 30 days, I will proceed to file required legal documents along with my legal counsel to pursue this matter within the state/county court that I reside in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i have been trying to change my address with XXXX XXXX XXXX. Its a subsidary of equifax i was granted a free account for due to their security breach. I have tried doing it online and their servers are always down. I have tried calling them with no luck. I see it as i shouldnt owe them anything if they cant change my address. Also a company called XXXX XXXX who handles my student lonand wont liaten to me about debt forgiveness because my school was closed. Who do i owe money to if theyre closed due to a federal law suit? Idk. Fix it im XXXX. Had to start a life out of a recession when youre in debt before youre XXXX. XXXX achools and they college promises are XXXX. Fix my stuff please.
Product: Credit card

I established a new credit card some months ago. Then I began to worry about it seemed to long that I had not received a bill or any confirmation about future payments so I called the customer service # and they assured me that my account was up to date and I would be getting monthly requests for payments. On XX/XX/XXXX I got a notice of past due for XXXX. I called the customer service # and waited for over an hour without anyone answering. So I'm complaining now to your office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please send the following information used to verify the validity of [ Manually type in the items you're wanting them to describe, i.e. ; identify item ( s ) by the name of the source, such as creditor or tax court, and the type of item, such as credit account, judgment, etc. ] : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Product: Bank account or service

I have a XXXX Paypal accounts. Sometimes I transfer between them and also I have sold things to others and they pay me with PayPal Cash cards, which I can deposit into my PP account. Which I do. Paypal states this is high risk to " them '' and froze my account. They state my account is frozen for 6 months. I have over {$1000.00} in this account. They simply freeze it. This is not right and not fair and even if I agreed with the risk factor, 6 months is simply way too long to " see '' if there is a chargeback or anything else. They keep and use others money for Free at their whim.
Product: Credit reporting or other personal consumer reports

Formal Complaint for Inaccurate Credit Reporting To Whom It May Concern, I am submitted a disputed and a formal complaint against experian and/or XXXX XXXX XXXX for inaccurate and inconsistent reporting of my credit with account ( XXXX or XXXX ) to the credit bureaus. These errors violate the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, which mandates that furnishers report only accurate information to the credit reporting agencies.i have previously summit an dispute to Experian for this matter they said they completed and investigation and this will stay on my credit report. Today I call experian after being on hold for 2 hours to be able to speak with someone about their resolution on the dispute I previously submitted to them the representative that answers when I stated that I was calling to request a copy of the document that show how they got that conclusion from their investigation disconnected the line. 

Summary of Errors : 1.Repeated and Incorrect Charge-Off & Collection Reporting : The account was initially charged off in XX/XX/XXXX, then reported as a collection for XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, and then charged off again in XX/XX/XXXX. This practice may be considered re-aging the debt, which is illegal under the FCRA. 
A charge-off should not be repeatedly reported or alternately classified as a collection and charge-off, as this artificially extends its negative impact on my credit profile. 
2.Discrepancies in the Last Date of Activity : The last date of activity is not consistent across credit Bureaus further proving the inaccuracies.
Product: Debt collection

Repeatedly dropping credit score due to reporting alleged debt multiple times. Multiple calls, harassment and threatening language for an alleged debt. The amount was {$1900.00}.