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

My account with XXXX XXXX XXXX XXXX XXXX XXXX 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 in XXXX  days 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 XXXX  days before the payment due date. 


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

XXXX 8 POTENTIALLY NEGATIVE MONTHS Account info Account number XXXX Date opened XX/XX/2018 Believe I was a victim of the XXXX data breach this information belongs to someone else I've made many attempts to try to resolve this issue and have this fraudulent account removed off my credit reports please assist me in removing this illegal item
Product: Money transfer, virtual currency, or money service

XXXX filing a complaint against Cash Appo ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act + ( EFTA ) and Regulation E. These actions
have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Navy Federal Account ending in 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect address appeared in my report PLEASE REMOVE ASAP. 
Address for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX i have never lived at address Names that should not be on my report. 
DIVORCED IN 2005 REMOVE ALL WITH LAST NAME : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : I HAVE NEVER LIVED AT THIS ADDRESS, PLEASE REMOVE THIS FRAUDULENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Consumer Loan

I had a car loan with Wells Fargo Dealer Services. The car was in acar accident and I was told by my insurance company the loanwould be paid off. I was also in the process of moving. I nevercontacted Wells Fargo to give them my new address becauseI was under the assumption that the loan was paid off. Wells FargoDealer Services sent me a XXXX letter dated XXXX 2012So I could purchase my current car. I disputed this with Wells Fargoas well as XXXX for reporting this inaccurate. XXXX changedthe dates several times. Please see attached. Wells Fargo is tryingto say they faxed a copy of the XXXX letter with the wrong datethis is not true. I found the letter they mailed me back then. I con-tacted Wells Fargo and spoke to XXXX XXXX who not only signedthe XXXX letter but said Wells Fargo sent out a letter via mail thatthe insurance did not payoff the loan in full and I was responsible for thedeductible. She verified that the mail came back undeliverable so thenthe began calling me. When they contact me I did make the paymentover the phone. My rights are being violated on a few levels. On XXXX level this has been repeatedly updated with the dates changing several times by the furnisher andthe credit reporting agency. Section XXXX states that the respons-ibilities of the furnishers of information to consumer reportingagencies. subtitle a reporting information with actual knowledgeof errors is against the law. Also after it is confirmed that this is anerror and still reporting it is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of an fraud inquiry issue relating to companies pulling my XXXX report without my consent. The following companies are listed under hard inquires on XXXX that need to be removed/deleted : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a dispute about the negative item listed on my credit report by XXXX XXXX. I contacted all three bureau and no reasonable investigation conducted. This company list the account as an open collection account. This item violates the FCRA 15 U.S code 1681b permissible purposes ( 2 ) ( a ) ( i ) ( ii ) the company nor the credit bureau had permission to procure a report. 

A 1099C form the was sent to me by the company, as cancellation of debt in which I had to file as INCOME on my IRS tax return, and cant be considered debt. The 1099C states the this company no longer seeks collection yet they still report it as open debt collection with a different amount the shown on document.
Product: Debt collection

I was renting from XXXX XXXX a two bedroom apartment for 3 years. I paid my rent always on time and lots of times ahead of time. I moved out by XX/XX/2020 and that was the end of lease. After 2 years and few months they reported me to collection agency that I owe them little over XXXX XXXX dollars. I do have bank statements showing that I paid till the last day. 
With no proof they claim that I moved on XX/XX/2020. Now I have the collection agency asking me for that amount.
Product: Checking or savings account

Hello! In XX/XX/XXXX, I received a promotional offer from BMO Harris where if I set-up a Money Market and Savings account and fulfilled the requirements, then I would earn the {$700.00} bonus offer. I had received the promotional code and opened up my accounts on the BMO Harris website where I entered in the promotional code at least three times during my account set-up. I made sure to complete all necessary requirements to qualify which included : depositing {$10000.00} into the savings account within first 30 days, link direct deposit to Money Market and have at least {$6000.00} within 120 days of account opening, and completed at least 10 transations. In XX/XX/XXXX, I reached out to BMO Harris on the mobile app where I submitted an email inquiry checking on the status of my bonus. On XX/XX/XXXX, an employee named XXXX confirmed that I met all requirements and the bonus will be paid approximately 150 days from account opening date of XX/XX/XXXX. On XX/XX/XXXX, I followed up requesting an update and received no response. On XX/XX/XXXX, I printed off all of my documentation and went to a neaby BMO Harris branch in my city. The address of this bank is : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. A banker named XXXX XXXX ( XXXX, XXXX ) then said there was nothing they could do to help since I opened the accounts online and not at a branch. They directed me to call the toll free number XXXX in order to speak with a representative about the status of my promotional bonus. I called in to this number multiple times and the representative claimed that my promotional code was not showing up on my account and there was nothing they could do about honoring the bonus I was owed. They did not provide any assistance with helping get this issue resolved and help try to keep me as a banking customer at BMO Harris. After these calls, I reached out to the BMO Harris XXXX page to try and be directed to a representative that would be of better assistance. I was directed to XXXX where I spoke with him on the phone and he asked me to send him an email with all of my documentation and that he would escalate this issue with the marketing team. I sent my first email to XXXX on XX/XX/XXXX and the email was : XXXX. I received no response from this email, so I followed up once more on XXXX. Throughout these last few months, BMO Harris has been difficult to work with in order to resolve this issue. An employee named XXXX confirmed that I successfully completed all requirements, but I have yet to receive any bonus payment. At this point, the only reason I haven't closed my accounts with BMO Harris yet is because the bonus is still pending. This experience has been upsetting as I wanted to remain a BMO Harris banking customer, but the customer service shown has been disappointing. I sincerely appreciate any assistance with this issue. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I mailed a certified letter to Capital One. In this letter I requested the alleged charged off account be validated. Acc # xxxxxxxxxxxx XXXX The un-validated items listed on my credit report in violation of Federal Law [ 15 U.S.C Section 1681 ]. This company is required under the FCRA to have a copy of the original creditor 's documentation of file to validate that this information is mine and is correct. In the results their first investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Who verified these accounts with valid proof? They have NOT provided me a copy of ANY original documentation ( a Consumer contract with my wet live signature on it XXXX, as required under Federal law. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... .promptly DELETE all information which can not be verified. '' Under the Administrative Enforcement [ 15 U.S.C. Section 1681s ], the law is very clear to remedy the Civil Liability for willful noncompliance [ 15 U.S.C. Section 1681n ], Civil Liability for Negligent Compliance [ 15 U.S.C. Section 1681o ] and Obtaining Information Under False Pretenses [ 15 U.S.C. 1681q ] 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 demand the following accounts to be validated or deleted immediately under these false allegations. I have no contracts with these corporations ... .15 U.S.C. Section 1692f. This Capital One is in violation of Federal law. They have not validated the alleged debt nor did they note my personal credit file of the dispute. I have attached a letter that I received from Capital One which says they have is also a request to remove all non-account holding inquiries over 30 days old as I did not initiate these inquiries. They are required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. Thank You,
Product: Debt collection

THE COMPANY KEEP CALL ME DISTURBING ME AND TREATING ME ABOUT ABOUT THE WRONG AMOUNT WITHOUT ANY VERIFICATION AND DEBT VALIDATION.
Product: Credit card or prepaid card

I opened a dispute for a transaction I made online using this card. I never received the merchandise and after contacting the seller it was clear that they were not going to send me the merchandise I purchased or provide a refund. As you can see from attachment of my message with seller, whenever I'd submit an inquiry they would respond with generic responses. The attachment includes a response that when read does not even make sense. The transaction was made at XXXX and since I did not have an account with them I was unable to initiate a claim using their service. Since seller was not cooperative I contacted CashApp, who gave me the card I used, to help me in initiating a dispute through the XXXX XXXX. CashApp denied my claim saying " no error was found ''. This denial does not even indicate to me that there was a reasonable review of relevant information provided. In fact I don't think they even initiated a XXXX dispute/chargeback. Additionally I received 0 correspondence in regards to my dispute. I wasn't notified of when I initiated the dispute and also wasn't notified that it was closed and denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have had my credit file for a long time now as I already have 9 open credit cards available to me I havent verified my personal credit in a while, on XXXX, XXXX 2022 I decided to apply for XXXX credit card for XXXX XXXX surprisingly I was denied upon verification of my credit score and credit report I realized unusual inquiries from these credit institutions named above I will be placing a credit freeze and credit monitoring service with the 3 credit bureaus I belive that my information was compromised upon application for a vehicule loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have report identity theft to FTC and report 3 credit bureau but equifax refuse to remove anything they hang up rude I been calling month straight Im exhausted
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX -- INQUIRIES -- XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

CFPB complaint # XXXX was filed. BAM responded after the deadline saying that I was correct, and they would release the funds, and yet they did not.
Product: Credit card or prepaid card

( CAPITAL ONE BANK USA N XXXX XXXX ; CAPITAL ONE BANK USA N XXXX XXXX ; CAPITAL ONE XXXX XXXX ) These accounts are reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Debt collection

I had a private student loan that went into collections in XXXX. In XXXX I began paying the loan back. The loan was apparently bought out by Regional Adjustment Bureau, they called me in XXXX of XXXX at my work and harassed me. I paid them a large chunk of the loan to start a payment process and for about a year they were taking monthly payments via auto deduct. In XXXX they stopped taking the payments and began to call my cell phone, my parents home number and previous employers. They call multiple times a day and when I do talk to someone they are rude and refuse to send me any written documentation, claiming they already have, although I never received any. They have also left messages that someone will show up to my home or office to arrest me. They have given out personal loan information to my parents, even though I am over XXXX years old. They have now begun to call my current work place, even though I have asked them to stop calling me all together.
Product: Credit card or prepaid card

I have a loan with CHASE XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CHASE with no successful resolution. XXXX, XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hard to describe, but this best I can do. I watch my XXXX  report. I am a XXXX, not XXXX. 
I am relocating from XXXX  to XXXX. An XXXX  rward card would help. 2-3 weeks ago, XXXX  reported I had one hard inquiriry. 
I applied to XXXX and XXXX and was denied due to excessive inquiries - all of a sudden 9. 
I also got a notice with the wrong address stating I was denied for a loan. It had the wrong address on it and I have no recollection of applying. And why would I. I am happy with my XXXX XXXX and Bank account. 
People dont answer the phone and I can not delay patients to to sit on hold. It is XXXX and I havent slept. 
I know have been defrauded by XXXX, but have no meaningful resolution process. I get denied for a purchase I did not have a meeting of the minds with and I never received. They refused to contact vendor, the obvious solution. They also approved a transaction flagged as fraud by XXXX XXXX, which I am not stupid enough to ingnore and reply to XXXX. 
I have a time issue due to working long hours, plus my relocation is in danger. As a XXXX XXXX during Covid, this seems quite unprofessional. I reach out ot you as 1 ) Inquiriry count is wrong 2 ) fraqudulant charges 3 ) lack of response by credit agencies and issuers 4 ) inability to persit due to time limitations 5 ) Risking poverty due to not being able to fulfillobligtions due to these errors. 

I dont know where else to reach out I the consquence become serious in a week or two.. 
I thank you for any help you can supply and getting these complaints on the record. 

Respectfully, XXXX XXXX XXXX XXXX