23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION XXXX BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX XXXX XXXX. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX EVENING XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXX/XX/XXXXwas never late! I have had exceptional payment history witHXX/XX/XXXXand 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 XXXXXX/XX/XXXXnever 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: Debt collection

Midland Funding filed with attorneys XXXX XXXX XXXX XXXX XXXX for collection with court when already set up with Credit agency and was accepting $ 100 monthly paymentt from XXXX XXXX / 2015 from XXXX my acct XXXX .Payments made are in the amount {$100.00} on the XXXX of the month with no payments missed.
Product: Debt collection

On XX/XX/XXXX via an online site, I took a payday loan from XXXX in the amount of {$600.00}. This loan was las reported on my credit report on XX/XX/XXXX. On XX/XX/XXXX, this loan has resurfaced on my credit report through Midwest Recovery in the amount of {$1500.00}. I am uncertain but based on my research I am understanding that " it is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. '' I believe this may be the case. But, I am requesting your review of the matter. This account has appeared on my credit report on XX/XX/XXXX. THIS DEBT IS 9-10 YEARS OLD.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2019, BARCLAYS BANK DELAWARE add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX  add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Employer : XXXX XXXX XXXX Addresses : XXXX XXXX  XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name : XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Collecons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Addresses : XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX, GA XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My son initially entered into a 36-month lease agreement with Honda Financial Services , and I cosigned the lease. The lease was subsequently extended to a total of 42 months. Throughout the entirety of the lease, payments were made faithfully, either early or on-time, via autopay. As my son was exploring options to buy out the vehicle, he requested two 3-month extensions to the lease. 

On the final payment, the autopay service was turned off without any prior warning. We were informed that the auto-payment series was canceled via an outbound automated phone call once the payment was 26 days late. Upon learning this, we immediately contacted customer service and scheduled a payment, reading my bank account number to the representative. Despite this, the payment never cleared my bank account. I believe the representative may have transposed digits of my bank account or otherwise incorrectly entered the account number. 

The final payoff check was delivered to Honda Financial Services the following day. However, Honda Financial Services did not post the payment for an additional 15 days, resulting in two 30-day late payments being reported on my credit report. The mishandling of the final payment by Honda Financial Services has unjustly impacted my credit report, reflecting these late payments and adversely affecting not only my credit score and overall financial standing, but also my sons.
Product: Credit card or prepaid card

I use a program for my XXXX  business. This program allows me to sync transactions to keep track of expenses and run my business in an organized fashion. The program is XXXX Capital one is blocking me from using the external application. This is a sudden change as it was working flawlessly. 

It is my personal information and I deserve the right to use it. 

This needs to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries in my report that I do not apply for. 

I have reached out the creditor and credit repair company with no resolution Credco XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continually tried disputing accounts on my credit reports with Experian, XXXX and XXXX. I have filed police reports and submitted them and they refuse to investigate the information accurately including providing signed contracts verifying who opened these accounts. Theyve also refused to update information with the right balances. 

Below is a detailed outline of accounts that Ive tried to rectify. 

XXXX XXXX {$490.00} XXXX  XXXX {$810.00} XXXX XXXX {$320.00} XXXX XXXX- {$1200.00} XXXX XXXX {$320.00} XXXX XXXX XXXX  ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  ( XXXX XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX XXXX XXXX ), have violated my rights. 
15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Well they denied me credit, even though Im the creditor. Then when I called and requested a reconsideration the banker, though very nice, was completely unaware of what was going on. I hope this can be handled outside of court!!!
Product: Credit reporting or other personal consumer reports

I was a victim of fraudulent activity, and I need your help to remove the fraudulent items from my credit report. My research indicated that I must file an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. According to FCRA Section 605B, credit reporting agencies must remove items listed in an identity theft report, using reference numbers XXXX and XXXX. Attached are documents to assist in removing the erroneous personal information and inquiries from my report. The following items were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX. Per FCRA Section 605B ( a ), credit reporting agencies must remove any items identified as resulting from identity theft within four business days of receiving the report.
Product: Credit card or prepaid card

Requested credit line increase on Costco credit card, was denied and ECOA notice sent X/XX/17. ECOA notice stated denial was based on XXXX credit bureau on the basis of showing a garnishment, attachment, foreclosure, collection action or judgment either paid or unpaid. This information is erroneous, I went and double checked my credit report for all XXXX bureaus, none state any public records concerning credit. Spoke with XXXX, Account manager Citi ID # XXXX and he stated that he can not do anything but pull my credit again, resulting in additional inquiry to credit which would be impactful to my FICO. XXXX was a great guy to talk to, and he is absolutely not the problem. It seems that Citi does not provide the adequate information to it 's employees to resolve issues like this. Should the CFPB wish, I can provide a copy of my XXXX report and the ECOA notice to document that I do not have any public records on file in my report.
Product: Checking or savings account

I had a bank of america checking and savings account. In XXXX of XXXX a XXXX  XXXX stole my wallet he wrote a {$3500.00} fraudulent check and that saturday morning 5 or 6  times went to different bank branches and atms pretending to be me as he used my id and soc sec card. Well my balance was only {$2.00} or {$3.00} dollars so of course the check bounced. 
Well he got a total of {$600.00} somehow from pretending to be me fraudulently. 
I request that you remove this error listing me as a person of fraud. B of america should look at their cameras and see that its not me. This has ruined my financial status thus causing catastrophic Ruin in my life. I have no car no home and noone will lend money to me nor can i open a bank account. Please fix this asap XXXX XXXX XXXX XXXX. XX/XX/XXXX Soc. XXXX Dob XX/XX/XXXX
Product: Credit card or prepaid card

Case no. XXXX Situation : I paid a {$500.00} security deposit on XX/XX/2020 using Capital One Credit Card ( ending in XXXX ) to get 1 ) A job that was supposed to start 2 ) by XX/XX/2020 and 3 ) 8 items in the contract ( 401K, insurance, etc. ) Later, I found out there was no job to start on XXXX XXXX. 
The agency did not return my deposit as promised and did not deliver as expected. 

I have reached out to the Merchant and Capital One on several occasions since the first month the charge was made.

Visa Policies ignored by Capital One : 1 ) Capital One 's Dispute team completely missed that the service was not as expected and items did not meet the XX/XX/2020 delivery date 2 ) Also, Capital One esp. missed the reason code 53 ( Not as Described ) as per Visa rules : a ) Service/Product did not match what was described in the documentation presented at the time of purchase. 
b ) Not the same as per Merchant 's description c ) Quality of service d ) Terms of the sale were misrepresented by the merchant Capital one accepted irrelevant proof from the agency and later gave a decision based on incomplete/misinterpreted information : A ) Capital One considered the " deposit '' as a fee although in the XXXX last line the fee is mentioned separately. 
B ) Capital One considered " Training '' as " Job '' while giving the result on the dispute. 

Also, it is a deposit to be returned in the 1st-month salary & the project should have been started on XX/XX/2020 with profit-sharing i.e. 10 % of my salary as the fee. 
Capital One has not yet asked the merchant to verify the above by asking the agency to provide the Job offer letter, insurance or 401k etc. or return my deposit as they never had any job/project and don't  have it till date. 

Thanks in anticipation. 

Regards XXXX XXXX ( card ending in XXXX ) Phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is fraud, I never used acknowledged or submitted to any service with the stated company. I have contacted the credit bureaus to have this removed but was unsuccessful.
Product: Debt collection

Care Credit has been harassing me about a debt that I do not owe via telephone and mail. i have told them numerous times that I do not owe any debt and that I am not paying any alleged debt. 15 USC 1692b ( 2 ) -Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; Care Credit has violated my federally protected consumer rights by decreasing my credit limit and increasing my usage to damage my reputation via my consumer report. This is discrimination pursuant to 15 usc 1691. They ruin my reputation according to 15 usc 1692d ( 1 ) and financially injured a consumer by lowering the credit amount also now I have to work more to get the balance down to avoid that high debt to credit ratio by lowering the limit. These are unfair practices pursuant to 15 usc 1692f.

I have sent letters of me disputing this alleged debt. I have also sent them an affidavit of truth, debt validation, cease and desist.

I would like all payments returned back to me via mailed check and any part of the amount of the credit balance remaining. 15 usc 1666d ( C )
Product: Checking or savings account

I SUBMITTED UNAUTORIZED CHARGES ON MY DC FOR DISPUTE, WAS NEVER NOTIFED BY CAPITAL ONE ABOUT THE RESULTS OF THE INVESTIGATION UNTIL THE CREDIT WAS REVERSED AND I CALLED, THEY TOLD ME THAT THEY HAD IT FILED AS UNRECOGNIZED CHARGE...WHICH IS NOT HOW IT WAS SUPPOSED TO BE SUBMITTED.. THEY DIDNT REACH OUT TO ME ABOUT MY DISUPTES UNTIL 11/19 WHILE I WAS AT WORK, THE HAD ME PULLED OFF THE PHONE TO DISCUSS AT WORK WITH MY HR DEPT.. THE END RESULT WAS THEM STATING THAT I WAS FILING FRAUDULENT DISPUTES. SO I WAS TERMINATED. MY CREDIT HAS BEEN RUINED BECAUSE OF THIS ACCOUNT AND CAPITAL ONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/X/2017 Equifax disclosed a serious data leak. After using their potential check site, I am one of the  affected customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I had an account with XXXX XXXX Acc : XXXX from XXXX to XXXX which I later ended because my apt building was providing free internet. After some time, XX/XX/XXXX, I had a slow connection in the apt building so I opted to get my own router from XXXX  and reactivate my old account which was already connected to my phone app and mobile. This I directly stated to the XXXX  representative. a few days later the internet connection with the XXXX  router was not any better and so I called XXXX  to deactivate my account and I decided to go back to the apt internet. At this time I did not know that they had assigned me a new Acc XXXX. I kept checking my mobile XXXX  app that continued to show that I had XXXX balance to pay. I did not receive any email or mail from XXXX informing me of any outstanding bills apart from the non solicited advertising mails/emails. I did not receive any communication from Sequium regarding any outstanding bills. Recently I checked my credit score and I realized it had gone down by XXXX and it was due to unpaid bill from XXXX  as posted by Sequium. I contacted XXXX  who initially told me I had XXXX balance and on my 3rd attempt to get answers, that's when I was informed they had 2 accounts under my name. I have paid the bill XXXX {$170.00} ) and returned their equipment. My attempts to explain my case to Sequium have been unsuccessful. 
I feel I was treated unfairly by both XXXX  and Sequium and I am wondering why there was no free communication if this is not an act of fraud. In addition, I specifically informed the XXXX  representative that I was reactivating my old account. If by error they assigned a new account without educating me as their customer, why didn't they send me an email or give me a call to clarify this. In addition, why didn't sequium contact me about the debt before posting a negative report on my account.
Product: Credit card or prepaid card

On the date of Wednesday XX/XX/2023 Credit Karma stated I had an excellent chance of being approved for the XXXX  XXXX XXXX credit card but upon completing the application, I was denied approval. I then took a screenshot of the denial statement for my records
Product: Credit reporting or other personal consumer reports

RE : 15 U.S. Code 1666b - Timing of payments To Whom it may concern..

It is of utmost importance for the creditor to comply with each parameter established by the Fair Credit Act ( FCRA ) as mandated by law. As a consumer, I am exercising my rights to have truly accurate and verified credit.

In according to law 15 U.S. Code 1666 ( a ) ( b ) ( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance chargefor the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

That said, I hold these creditors accountable under the XXXX XXXX XXXX. 15 U.S. Code 1666 ( b ) ( a ) Creditors : XXXX XXXX XXXX Account Number : XXXX Payment late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX Account XXXX XXXX XXXX Payment late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please provide me with written proofs of the letters they sent me 21 days before the date on which the late payments were reported on each of the accounts mentioned above. It is your obligation to send me these copies because this is what the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1666 ( b ) ( a ) stipulates.

It is the obligation of creditors to provide me with written evidence.If the creditors can not provide me with proof of the written letters sent 21 days prior to the date on which the late payments were reported within a 30-day period, Include also, all the information required by Section 1637 ( 6 ) of Title 15. it is evident that they have violated the parameters established by the Fair Credit Reporting Act 15 U.S. Code 1666 ( b ) and I demand that the late payments be updated to positive or ND ( No data for this period ), otherwise I demand the immediate deletion of said accounts.