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

My account with XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX 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 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 on my 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 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 card

My PC Richard/Synchrony store credit card was out of my possession ( likely lost or stolen ). A purchase was made at a PC Richard store using this stolen card, however the person making the purchase provided an address, phone number and email address that did not match any of the information on my PC Richard account or my PC Richard/Synchrony bank credit card account. 

I called in XXXX to dispute these transactions and was told that the address on file had recently been changed to the fraudulent address ( XXXX XXXX XXXX, XXXX, NY XXXX ). The agent indicated that the transaction and account had been flagged as a result of this address change. 

I never received documents indicating the resolution or closing of the case. On XX/XX/XXXX I reviewed my credit report which stated that my PC Richard/Synchrony account has a past due balance. When I called Synchrony bank to inquiry about this, they stated that the dispute was not found in my favor because the purchase was made in person and the card was swiped. 

I reopened the case with Synchrony, however my complaint is 2 fold : 1 - I was never provided with notification that the dispute case was closed.

2 - Synchrony bank noted a potentially fraudulent address when the purchase was made and permitted the transaction to be completed. Further, when I called Synchrony in XXXX, they verified my identity through confirmation of my SSN as well as through a secure link using facial recognition and a photo of my holding government-issued id. The dispute investigator did not take into consideration the contact information difference between what was on my PC Richard/Synchrony account and the invoice that Synchrony stated the merchant provided to them on XX/XX/XXXX. I have requested that the dispute case be reopened and I have provided them with the merchant provided invoice, my address dispute with XXXX to support the fraudulent address and my claim that I did not perform the transaction. 

In the meantime, my credit score has dropped XXXX points and needs this needs to be corrected ASAP. I did not perform these transactions and Synchrony must perform an adequate review of the information provided. A simple review of the address, phone number and email differences from the merchant-provided invoice and my information on file with PC Richard/Synchrony along with my identity verification and dispute is plenty of evidence to find in my favor and remove the past due status on my account.
Product: Credit reporting

a tax lien was issued for property not located in XXXX county. The personal watercraft was purchased in XXXX, bout subsequently transported to XXXX. it was not stored or used in XXXX county, XXXX. tax lien was vacated immediately vbut the lien release continues to reside on my credit report. 

lien release was based upon incorrect information, e.g a Tax Notice on property outyside the county of XXXX. Lien on out of state property was void, Because no lien was perfected on personal pro recordation of ; Lien Release should not be reported to credit bureau and allowed to diminish credit score as if valid. 

LIEN WAS PAID UNDER PROTEST TO AVOID THIS OUTCOME.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed that I have multiple hard inquiries on my credit report that i didnt authorize. 

XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was paying for service to repair my credit once a month. Do to our last landlord lying about rent not paid and or late. Do to that we lost our belongings and the things that I was making payments on. I could not finish paying and they charged everything off. I had to pay extra money for me and my family to have a place to live. I was paying also for about XXXX year and XXXX months for credit repair to rent or own a home. It's been XXXX to XXXX years now and we are still homeless looking for assistance. We are currently checking out of a holtle now and to check in another one. With three days to move from our last house and no where to go we lost everything important to use. My mom is XXXX and my kids was XXXX  me a single parent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Ct XXXX, CA XXXX XXXX Equifax XXXX XXXX XXXX, XXXX, GA, XXXX Subject : Cease and Desist Notice Regarding Fraudulent Account Due to Equifax Data Breach To Whom It May Concern, This letter serves as a formal Cease and Desist Notice regarding the fraudulent account ( s ) opened in my name due to the Equifax data breach, which resulted in the unauthorized exposure of my personal and financial information. Your companys continued reporting and recognition of this fraudulent account violates my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and other applicable laws. 
Pursuant to the FCRA, I am asserting my right to dispute and demand the immediate cessation of any further reporting, collection, or dissemination of this fraudulent account. Under 15 U.S.C. 1681b, my consumer report may only be used under specific legal conditions, and the inclusion of this fraudulent account violates these provisions.

Additionally, under 15 U.S.C. 1681n and 1681o, I am entitled to seek damages for willful or negligent noncompliance with the FCRA, including statutory damages, actual damages, punitive damages, and attorney fees. If your company does not take immediate corrective action, I will pursue all available legal remedies, including filing a lawsuit for damages resulting from your unlawful actions. 
Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft and fraudulent activity. The FTC report serves as further evidence that this account was fraudulently opened without my consent, and I expect your full cooperation in resolving this matter. 
Fraudulent Account Number ( s ) : XXXX Accordingly, I demand that you : Cease and desist from reporting, collecting, or attempting to validate the fraudulent account ( s ) associated with my personal information. 
Immediately remove and delete any fraudulent information related to this account from my credit report and your records. 
Provide written confirmation within 30 days that all necessary corrective actions have been taken to comply with this request. 
Failure to comply with this demand will result in legal action without further notice. I trust you will take this matter seriously and act in accordance with your legal obligations. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 I recieved an alert from my experian credit monitoring service stating that my credit score was dropped because my Finance company XXXX XXXX XXXX XXXX stated that my payment was 30 days late. I am furious!! Because as of today my account is 26 days past due, as my payments are due on the XXXX of every month. There has never been any new agreements or signed contracts stating that the due dates have been changed, Therefore this company has in accuratly reported late payments to the credit reporting agency and has damaged my credit rating!!!!
Product: Money transfer, virtual currency, or money service

My wife and I each received XXXX 'Cash App ' cards in the mail by Block Inc. that we did NOT apply for. Having been a target of other fraud activities recently, we called the phone number provided in the letter out of concern to notify them and request that the cards be blocked, closed, etc. 

We were told the only way to move forward with such a request is to send information to them over email, which seems counterintuitive when dealing with fraud. The email looks sketchy and we're not inclined to provide images of the card and other information when we can just tell them what the number is over the phone. 

In a second attempt an agent hung up on me, and a third attempt resulted in the same impasse of request for information over email. 

If a customer claims a card was opened without their permission, there should be no hesitation to freeze the account to protect both parties. There seems to be a lot of people having this issue of unsolicited cards with Block Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is one of the account that I report as identity theft. I have attach a police report to this ..please delete this account. If not I will be force to sue all credit reporting agency... 

XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account # XXXX
Product: Vehicle loan or lease

We read on Ally Financial Bank Press release page dated XX/XX/XXXX that " New Auto customers will have the option to defer their first payment for 90 days. '' This is due to the Covid-19 crisis. There is no end date to this article or any exclusions to this article. We are new customers and upon request we were denied this by Ally Manager XXXX in Customer Service. This was today XX/XX/XXXX. This is in violation of UDAAP on so many levels and we want to report them as a company who is not abiding by their own practices and actions that they so publicly profess. This is deceiving, and false representation to mislead the public. The response from Ally Manager XXXX is we do not have a drop down so we can not offer this. We then asked if you have any documentation of this program ending because we have documentation by your company 's own website that this is still valid with no end date. Ally Manager XXXX says no we have no documentation. The CEO put in the same press release " At Ally, we recognize there has never been a more critical time to deliver on our promise to 'do it right ', and we are committed to supporting the people we serve safely and confidently through this crisis, '' said Ally Chief XXXX XXXX XXXX XXXX XXXX XXXX. What about now? 

https : XXXX
Product: Credit reporting or other personal consumer reports

I kindly request the removal of this inaccurate account from my credit report, as it is not linked to me and I did not consent to its establishment. I have attached the necessary documentation to support my position. I thank you for your prompt attention to this matter and for taking the necessary steps to correct this issue by removing the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Written requests have been submitted to the XXXX Credit Bureaus XXXX XXXX Mail and online to inform that this account with XXXX Bank, with account number XXXX and Credit XXXX XXXX {$3.00}, XXXX was never authorized. The bank was never permitted to open an account with the given information unless my personal requests are met. I believe they have understood my requests but as I checked my Credit Report, the account is still reporting with a closed status. I have instructed the Bureaus and the Bank to remove it from my Credit Report but they have consciously and continuously doing the same thing. I am doing my best to make my profile cohesive with and in good standing but the XXXX and XXXX Bank 's actions are trying to ruin it.
Product: Credit reporting or other personal consumer reports

I noticed that in the last couples of months my credit score came down, from XXXX to XXXX and this is impacting my XXXX score. I'm always on time with all my payment. I haven't request for a new credit cars or loans. Why my credit score decreases? I would like to know the reason. Thanks.
Product: Credit card or prepaid card

On XX/XX/2022, I applied for a store card, XXXX & XXXX XXXX Credit Card, serviced by Comenity Capital Bank, and received instant approval to make a purchase using that credit line. 

On XX/XX/XXXX, I received an email stating that my card would arrive in the mail soon. 

On XX/XX/XXXX, I received an email stating that my account statement was available and a payment is due. However, to create a login in order to view the account statement I need my full account number from the physical card, which I have not yet received. I tried calling the customer service number, but I was again asked to provide my full account number, which I have not yet received. 

I also attempted to make a payment, hoping that my payment amount would be above the statement balance, but yet again my attempts were denied due to not having the full account number.
Product: Debt or credit management

I am being reported as late by XXXX XXXX XXXX for an account I did not clearly authorize or understand. XXXX has been deducting monthly charges from my bank account without providing documentation or explaining what I am paying for. When I asked to stop the charges, they told me doing so would hurt my credit. Now they are reporting me as delinquent, despite taking my money every month. 

I formally requested a copy of any signed agreement or service description and a full payment history. As of now, I have received no clear explanation of what I am paying for or what the terms of this account are. 

This behavior feels deceptive and potentially predatory. I believe this account should be removed from my credit file immediately, and all negative reporting should be corrected. I have submitted a formal dispute directly to XXXX as well. 

I am requesting that the CFPB investigate XXXX XXXX and require them to validate this account or remove it entirely from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was enrolled in school and AES didnt update their records until 3 months after enrollment. I was told that it would be backdated and my late payments would be removed. They were not. I was never late ever in my 11 years of having student loans beside them marking 30,60, and 90 days late on a loan despite me being enrolled in school. Ive tried to dispute with AES and have received no response or failure to accurately update credit file. I am unable to get a mortgage because of it.
Product: Credit reporting or other personal consumer reports

I have been trying to remove some inaccurate information from my credit report and both Trans Union and XXXX are refusing to investigate or correct the things on my credit report. They just sent these emails stating they do not think my dispute letters are coming from me. I am using template dispute letters from the CFPB website and from XXXX. I'm also reading online that the credit reporting agencies do this to everyone who sends disputes to avoid correcting the inaccurate information. THIS IS AGAINST THE LAW! The CFPB website states they have to investigate and respond within 30 days. Hopefully by filing this complaint the CFPB will investigate Trans Union and XXXX and hold them accountable for violating my consumer rights protected by Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquired on my credit that could have been avoid due to Equifax computer coding error my credit information has been compromised. I made several attempts by mailing letters to these companies and all three credit bureaus informing them that they were reporting inaccurate information on my credit report and to please remove the inquires. I have attached to send letters to Equifax, XXXX, and XXXX to resolve this matter.
Product: Payday loan, title loan, or personal loan

My transmission needed repair in XX/XX/XXXX and the cost was {$3200.00}. I needed financing for {$1500.00}, and XXXX approved me through the transmission repair company ( XXXX XXXX XXXX XXXX in XXXX ). My payments were set to be {$280.00} which I said I could not afford, and XXXX verbally told me they would work with me after I made a successful payment. My husband then lost his job, and when I called XXXX they would not negotiate and I could not make my payments. In XX/XX/XXXX XXXX emailed me with a one time offer of reducing my payments to {$150.00}. I called and accepted. Although my husband still has not returned to work, I have been saving my money to pay off this debt. I called XXXX today, and was shocked to learn that the {$150.00} payments I have been consistently making, have not even touched the principal balance. Even worse, the payoff balance is {$2000.00}. I offered to settle, and the customer service rep told me to " make an offer ''. I offered {$1400.00} and that was rejected with their counter-offer of {$1700.00} which I do not have. I have paid {$1700.00} in financing fees since last XX/XX/XXXX and I want to get rid of this debt. Attachments are included. This simply can not be legal. Thank you for any help.
Product: Checking or savings account

On XX/XX/XXXX, I filed a debit card dispute for XXXX fraudulent charges with Chime in the amount of {$5300.00} made on my account due to having my vehicle broken into. This took every XXXX I had. I do not have money for food or medications. I have medical issues and am struggling to take care of everyday tasks with no money. Within XXXX minutes of filing the dispute, they declined my dispute stating, " no error occurred. '' I called immediately to appeal and the lady I spoke with asked if I had an account with XXXX of the merchants and I said yes. She stated that I had to file that under " didn't receive services. '' She stated that she would separate the dispute into XXXX, XXXX for each merchant. This has been done multiple times. They state that I am on rebuttal XXXX, however, I have appealed only XXXX or 4 times. The other " rebuttals '' are from them combining and separating the disputes. I have submitted a police report. I also spoke with both merchants. XXXX XXXX stated that if Chime contacted them, they would possibly reimburse the charges. As of XXXX Chime has not contacted or submitted a chargeback to either merchant. I have called everyday multiple times a day on some days inquiring about my provisional credit as well as the case. I have been hung up on multiple times. Their policy states that they will give a provisional credit after XXXX business days, but Chime keeps starting the time from the new rebuttal filed. I have an email from Chime on XX/XX/XXXX that states I would receive my provisional credit on XX/XX/XXXX and a decision will be made by XX/XX/XXXX, but Chime is coming up with more excuses and not issuing the provisional credit. I have sent emails and called to get this resolved to no avail. I've provided multiple files of evidence and Chime has yet to contact the merchants or submit chargebacks to the merchants to determine if they will even reimburse the charges. They denied the claims within XXXX minutes. There is no way that Chime can investigate this without contacting the merchant in a XXXX time frame. 
I had charges made fraudulently with XXXX also and they deemed the transactions fraudulent. I have attached the intake form, the email stating my provisional credit should be on XX/XX/XXXX, my police report, XXXX stating that their investigation shows that the charges were fraud, and a dispute letter. I am also attaching the email from XXXX XXXX stating that they have not heard from Chime.
Product: Bank account or service

I 've been with us bank for some while now. And, per my opening of my account I 've opted out of over draft protection. A couple of times, they 've had to refund me money because somehow unexplainable its been put on and off. So, a couple days ago from this notice here. I was charges a overdraft fee. Telling me I went in the negative when.certain checks went through. Ok, they could not prove it. My account went in the negative from what I seen, when they charge me overdrafts when I should n't have. So, when my other transactions came in, the money was n't available. So, that 's when I was in the negative. Then I 've been cashing my dads checks for a while. Now since I 've made a complaint. I go to withdraw. Branch manager XXXX located in XXXX, I 'll. Tells me I could n't cause they have no proof the check was endorsed. Well why is it, and others cleared. I can use my card. But ca n't withdraw now?. She made all the running around the answer. I need to file a complaint and get all the money back I 've been charged..
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. 

However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

I would like to request that you take immediate action to remove these accounts from my credit report, just as the other credit bureaus have done. If you do not comply with my request, I will have no choice but to take legal action against you. 

I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I froze my credit with Transunion. I attempted to lift the freeze so I could apply for a loan, bug their website will not allow me to login. When I call them they claim they can not verify my credentials and won't acknowledge that the website won't work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXX XXXX Account number XXXX collection account added to credit file without being verified : I Do not now nor have I ever had an account with this business, the original creditor has claimed the original debt as a tax write off therefore I am no longer liable. Please have this creditor XXXX XXXX XXXX provide a document with my original signature on it as required by law ( electronic verification is not acceptable ) since you have not supplied the demanded proof of the alleged debt During my initial dispute, under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.