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

My account with Equifax 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  XXXX. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX, HSA Bank sold XXXX shares of a mutual fund ( VGIAX ) out of my HSA investment and account and transferred the cash value ( XXXX $ ) into my HSA Cash account. I called them about transaction on XX/XX/XXXX, as I had not authorized this transaction, I was told it was a banking " glitch '' and my money would be transferred back. Later that afternoon, the XXXX $ in question was removed from my HSA Cash account and has since disappeared. I have called HSA Bank again on Monday XX/XX/XXXX, and the woman told me to allow XXXX business days for the money to get back into my HSA Investment account. On Friday XX/XX/XXXX I called again, and this time the gentlemen told me that it was an error and he would look into it and get back to me in XXXX to XXXX business days. On Wednesday XX/XX/XXXX I called again, and this time spoke with a supervisor who told me my funds were in my account, after explaining to him that my shares were not in my account and I walked him through the transactions he escalated my complaint and came back and told me that several customers experienced the same " glitch '' on XX/XX/XXXX and HSA Bank was trying to figure out the issue. He said he would call me back, and again, I have heard nothing any my XXXX shares would be worth XXXX today. This bank has committed fraud and theft and I want my money back!!!!!
Product: Credit reporting, credit repair services, 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 corrected : XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Product: Debt collection

I've called and written this company plenty of times explaining that this was fraud done in my name and still nothing has happened yet!
Product: Mortgage

I have a section XXXX voucher and applied for a mortgage loan with nations lending. They had me go through full underwriting before they would attempt a preapproval, even though my credit was good. They ( XXXX XXXX ) finally ( after 4 weeks ) pre-approved me for a USDA guaranteed loan for {$130000.00}. I ran the numbers myself according to the XXXX technical handbook ( I used to work XXXX ) and got close to {$200000.00} for a proper loan amount. I questioned them on this, even sending them the links to the USDA handbook, and they ( XXXX XXXX, XXXX 's manager ) DROPPED my pre-approval to {$110000.00}! I think they are doing this because I am a low-income, XXXX borrower using government assistance, and that I have a large family of XXXX. XXXX mentioned that the amount lowered " after running it through automated underwriting '' but the XXXX handbook says specifically, in our situation ( where the XXXX voucher is paid directly to the lender and does not pass through the hands of the borrower ), that underwriting must be done by hand, so I KNOW he 's lying because I already sent them the instructions they were supposed to follow. I do have emails that outline all of this that I can forward to any investigator. I do n't believe it was appropriate to make me go through the full processing and underwriting before they " pre-approved '' me ( I 'm sure they do n't do that for OTHER borrowers ), I know they are n't processing my loan correctly, and I know they are n't following very clearly spelled-out rules the XXXX has for this loan. I do believe they are either trying to get me to NOT buy a home at all ( it would be exceedingly difficult in this area to buy a home large enough for XXXX people on {$110000.00} loan ) or trying to mitigate their own lending risk ( which would be illegal to give me different rules governing my loan application that they do not apply to others. ) If anything, with the good credit I have, limited obligations, and a very stable income ( XXXX ), plus the Section XXXX voucher to help me pay the mortgage, I should be a BETTER candidate for a good mortgage!
Product: Debt collection

XXXX XX/XX/year> AMERICAN CORADIUS INTERNATIONAL LLC XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, NY XXXX Subject : Request the validation of an account ( REFERENCE NO. XXXX ) Dear AMERICAN CORADIUS INTERNATIONAL LLC I am writing to formally obtain validation for debt, as per my rights under 15 U.S.C 1692 g. of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to send consumers a written validation notice.

I am requesting that you send a letter validating the following information as it pertains to information for an account that you are attempting to collect.

The information that is required is the following 1. Name and Adress of the original creditor.

2. Amount of debt.

3. Proof that you have the right to collect the debt and have not purchased the debt.

4. Any judgements that have been obtained.

5. Proof that the statute of limitations has not expired.

Please forward this information to me within 15 days of receipt of the correspondence, at the address above. If this information can not be provided to me, remove all instances of the referenced account with all credit reporting and credit information companies.

A copy of this correspondence has been forwarded to the Consume Financial Protection Bureau ( CFPB ). 

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

Experian, XXXX, XXXX, continue to report an inaccurate account on my report per the attached letter please assist in removing immediately as stated per FCRA law.
Product: Debt collection

I work part time as a contract employee at XXXXXXXX XXXX XXXXXXXX in NC. The company had an invoice that had been sent over to collections to KLS Financial late XXXX. The original company had given the collection company our office contact info and must have given them my personal number as well. I contacted both the company and collection company on a regular basis to let them know how the company was paying the invoice, as we had updates. XXXX XXXX started contacting me in XX/XX/XXXX. I have repeatedly responded to her incessant calls, I originally called her back on XX/XX/XXXX, received her vm and left her a detailed message. I have repeatedly asked her to email me, reply to my emails and confirm receipt of emails. She never does this, in particular, when I have emailed her and let her know not to call myself or family/friends to try and get a hold of me. I have put it in writing to her twice and have yet to receive a reply. She has called my husband, and called 2-3 other people I know that have informed me they have received a vm from her. This invoice/bill is to the company that I work for, I do not own the company and have told her I am only an employee. I am absolutely furious that she continues to harras me on a personal level when this is not even a bill of mine. I am an office worker that just does admin duties there. What gives this company the right to harras an person that works for a company when the bill/invoice is not in my name nor affiliated to me any any way. I have forwarded another email to her today XXXX sent at XXXX, in this email which was sent from my work email, I included the people that work for the company that XXXX XXXX works at as well so that they can see the correspondence. The forwarded email was my original email sent on XX/XX/XXXX letting her know I left her a detailed VM and again was requesting she only call me at the office number which i gave her or my email and to stop contacting anyone else. I also let her know I was only an office worker and this was not my personal debt.
Product: Credit reporting

I had several investigation going on in the past with Equifax Credit Bureau. Recently in my communication with Equifax they discovered I had multiple credit report with them. When I spoke to the representative I ask her when they combine my reports will the deleted credit come back on my credit report and the representative stated no that will not happen. I received a notification from XXXX XXXX today and my reports were merge and the items that were deleted appeared on my new report. I call Equifax once again and I did not receive any resolution. Also I am a authorized user on some accounts and those credit card accounts are not showing up on the new report. This has been a frustrating situation dealing with Equifax. Why should the consumer have to deal with this unprofessional company. I worked as a XXXX for many years and have not had these unusual situations. With Equifax you have one representative telling you one thing and another telling you something totally different. I had XXXX collection account with AR resource that were deleted off of my credit report about 4 months ago and NOW the accounts are reporting back on their. Also XXXX XXXX XXXX XXXX account were deleted and back on the report one again. I spend a lot of time in the past faxing things over to Equifax showing them that some of the credit item were NOT mind and turn around and have to start all over once again. The government is paying a whole lot of money for Equifax representative to mess up my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, WHICH MEANS THE INFORMATION ON MY CREDIT REPORT DOES NOT BELONG TO ME. I HAVE REACHED OUT TO XXXX XXXX NUMEROUS TIMES TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. THE XXXX ACCOUNT IS FRAUDULENT AND NOT MINE.
Product: Debt collection

Dear XXXX : I am writing to you to request that you remove the following unauthorized account from my credit report : Creditor : IQ DATA INTERNATIONAL ( Original Creditor : XXXX XXXX XXXXXXXX XXXX FL ) Account Number : XXXX Amount : {$3200.00} Attached is a copy of the FTC Report I submitted for these fraudulent accounts. I have also sent this report directly to the creditor disputing their reporting. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/1991 Birth City : XXXX, Tennessee I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 

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

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

Someone tried to open a store credit card under my name on XX/XX/2022 at Comenity Capital Bank. Application reference number XXXX.
Product: Debt collection

I had an account with XXXX that has been sold to a company, this account has been re-aged I have the original last bill and the dates are not the same I have asked multiple times for the creditor and the credit agencies to remove this and they have ignored my multiple attempts to have this corrected and removed from my credit
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 my student loan was forgiven, my student loan servicer XXXX informed me that this info would be passed on to the 3 credit reporting agencies XXXX, XXXX, and Transunion and should be updated within 30 days. XXXX and XXXX have updated my credit report to show a XXXX balance. Transunion have not yet updated my report and in result i was denied credit. My student loan service provider informed me that they sent Transunion this informations months ago.
Product: Credit reporting or other personal consumer reports

Furthermore, I would like to mention the following important points : 1. Citi closed the account without justification or notification : - Consumer Protection Law ( LPC ) : Article 12. Financial service providers must inform consumers in writing about any changes to the terms and conditions of the services. 
- Electronic Transactions Regulations ( RTE ) : Article 22. Electronic service providers must inform consumers about any suspension or closure of an account. 
2. All payments were made on time : - Consumer Protection Law ( LPC ) : Article 13. Consumers have the right to receive clear and transparent information about financial products and services. 
- Commercial Code : Article 516. Payments made in a timely and proper manner release the debtor from their obligation.

3. The account was opened when I was living in XXXX as a tourist : - Consumer Protection Law ( LPC ) : Article 15. Financial service providers must ensure that consumers understand the terms and conditions of the services.

- Tourism Law : Article 22. Tourists have the right to receive clear and transparent information about tourist services. 
4. The account was closed in XXXX, during the pandemic : - Consumer Protection Law ( LPC ) : Article 16. Financial service providers must act in good faith and with loyalty towards consumers.

- Economic Emergency Decree : Article 10. Measures are established to protect consumers during the economic emergency. 
5. When I finally traveled in XXXX and requested information, it was not provided : - Consumer Protection Law ( LPC ) : Article 14. Consumers have the right to access information about financial products and services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022, I was alerted by my bank and by a credit monitoring service that I had a new hard inquiry on my credit report. Upon investigation, it was an hard inquiry from Bank of America on my XXXX credit report. I have never authorized this bank to do this. I contacted XXXX that same day to dispute the hard inquiry, and was informed that I would need to contact Bank of America to obtain an " Inquiry Deletion Letter. '' I have made numerous attempts to contact Bank of America, and found it nearly impossible to make contact with any agent of their organization. At last, on XX/XX/2022, I was able to establish such contact. After being bounced around from agent to agent with promises of being transferred to their " fraud department, '' I finally spoke with an agent who ran my name and SSN through their system to at least check to see if anyone had successfully opened any accounts with their organization ; the agent told me that she did not find a profile for my name and SSN. I asked about the Inquiry Deletion Letter that XXXX requires, and she said that I was the second person this week that had asked for one ; she had spoken to her supervisor, and they were unaware of anyway to obtain such a letter from Bank of America. I want this hard inquiry removed from my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting

Credit reporting institutions issue inaccurate and incorrect auto loan listed as mortgage information to financial institutions. Auto loan from XXXX has not been updated since XX/XX/2016 even when I furnished proof of payment and/or settlement on balance of {$13000.00} to {$1500.00} which documents provided by XXXX are attached. This has adversely affected my credit that I had to return a leased car due to dealer failing to secure a financier in addition to not being able to obtain funding of any amount. My employment is in jeopardy since it is premised on me having reliable transport.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on WELLS FARGO ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

WELLS FARGO XXXX Opened : XXXX/XXXX/2017 Balance : {$7000.00}
Product: Checking or savings account

There was a huge purchase of XXXX dollars charged to my account! I'm from Mississippi and the transaction was in XXXX, cause! It's impossible for me to make purchases at a place I've never been through and I wouldn't authorize anyone else to make this type of payment as well! Chime isn't helping at all
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of credit card account number XXXX XXXX # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit card

I am trying to cancel my Amazon Prime Store Card issued by Synchrony Bank. I have {$0.00} balance. They will not cancel the card because I changed my phone number and they will not accept any other method to verify my identify.