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

My account with ( 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to address the inaccurate information that is currently being reported on my credit report by your agency. On XX/XX/2024, I submitted disputes to XXXX, XXXX, and Experian regarding certain accounts listed on my credit report, citing violations to my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite this, I have not received any response from your agency within the mandated 30-day period. 

Enclosed with this letter, you will find copies of all correspondence sent to your agency regarding these disputes. It is imperative that you take prompt action to rectify the inaccuracies on my credit report. 

Specifically, I have identified several violations of the FCRA and Fair Debt Collection Practices Act ( FDCPA ) in relation to the disputed accounts : FCRA 623 ( a ) b ) violation : Your agency has failed to mark the disputed accounts as disputed, as required by law. 

FCRA 605 ( c ) violation : The reporting period on the disputed account has been inaccurately calculated, as it reflects the date of last activity rather than the last date a payment was made.

FDCPA 809b violation : Your agency has repeatedly failed to provide validation of the collection account, as outlined by the Federal Trade Commission ( FTC ) opinion.

I demand that you take immediate action to correct these violations and update my credit report accordingly. Failure to do so will leave me with no choice but to pursue legal remedies to ensure my rights are protected.

Please acknowledge receipt of this letter and provide a timeline for resolving these disputes. I can be reached at the contact information provided above.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX, I mobile deposited a check into my personal Chase checking account. The valid check was addressed with my name from my landlord for a security deposit return in the amount of {$3400.00}. Chase Bank has withdrawn the funds from the check makers bank account, but has not released them to me or returned them to the maker of the check. Additionally, Chase has entirely suspended all of my other unrelated funds associated with this account, a total of {$84.00}, and closed my account. Chase Bank is now refusing to issue the funds ( both the {$3400.00} and the {$84.00} ) to me. They also have refused to issue the check funds ( {$3400.00} ) back to the maker of the check. Due to the negligence of Chase Bank on this matter I am currently being held liable for these funds. 

In attempts to resolve this issue with Chase Bank, I have spent a total of 227 minutes on the phone with their customer service. I first reached out to them on XXXX for a total of 32 minutes on the phone and then visited their branch in XXXX XXXX, XXXX XXXX XXXX XXXX to inquire as to why I could not access the funds. I was told the funds would be made available in 5-10 business days at the bank. My account was then suspended and the time had passed so I reached out again on XXXX to their customer service. I had 4 calls on XXXX ; XXXX 22 minutes, XXXX 1 hour and 43 minutes, XXXX 4 minutes, XXXX PM- 53 minutes all in an attempt to resolve the issue. No feasible resolution was offered. When the funds were deducted from my account on XXXX as " DEBIT DDA- CHECK CHARGE '' by Chase, I called again to inquire for a resolution for 6 minutes at XXXX and 7 minutes at XXXX. Through all of these communications no resolution for the release of these funds has been made.
Product: Checking or savings account

Hi my names XXXX, I have been emailing cashapp because my account has been frozen. My brother used my cash card to get his unemployment money because hes not XXXX he cant have a physical cash card, he didnt want to used the card that comes in the mail because he wanted his money instantly. I emailed them for days now its been a week since my account has been frozen. I havent had access to any of my cash since XX/XX/XXXX. But my card was charged today XX/XX/XXXX at XXXX for {$11.00}. But I dont have access to my cash but someone else does!??
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opened a credit card account with Ollo Credit and then after having had the credit card for an extended period of time, Ally Financial purchased Ollo Credit. When Ally purchased Ollo, I had a contract with Ollo for settlement. Ally, as soon as they purchased Ollo, began harassing me sending me threatening letters and telling me I was behind on payments. I spoke with Ally many times, and explained the contract and the contract would be " found '' by Ally and they would tell me the contract has to be followed and all was fine. Then, the next month the same thing would happen. 
I continued the entire time making my contracted payments. I tried to log in in XX/XX/year> to change my checking account number and a screen popped up stating that my account had been Closed and written off and I was denied access to my account. 
I checked my credit report and it has been reported as written off. I called Ally and was told due to not making any payments it was written off! I have every month 's documentation where the payment was made as agreed! 
The account contract was to paid at {$72.00} for 36 months. I had not missed a payment. 
I asked them to correct the situation and email me the updated information. They refused to email me anything and stated they would " send forms to some other office ''.
Product: Credit reporting or other personal consumer reports

RE : Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : Your company is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : Your company DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and Your company never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : Your company has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so Your company doesnt even know if these accounts are accurate, but yet Your company reported this inaccurate information. Also, Your company reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive. 
15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I never gave Your company any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support Your company reporting the above mentioned accounts and inquiries. If Your company is unable to provide proof, PLEASE DELETE above accounts and attached inquiries. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

My son has been XXXX since XXXX. Me his mother have been attempting to make his cc payments to Discover card. XX/XX/XXXX Discover card refused to take a payment from me. I never called requesting information or wanting any information regarding this account - simply to just make the payment. It is documented in the system that they refused the payment even after I explained to them what was happening with my son. I did not have his mail so was unable to mail in a payment. Month after month I called and they refused. XX/XX/XXXX I spoke with XXXX, who told me as XX/XX/XXXX Discover card charged off the account. She went on to say she would be glad to take a payment but could not discuss the account. She said once given permission they would discuss options. She was asked why take a payment now that the account is charged off - when this could have been avoided had they taken the payment months ago, month after month. XXXX - permission was received to speak with my mother regarding the account. She explained he situation - stated she wanted to make the payments have the account reinstated and my credit history updated because it was not like we were not attempting to make the payments - DISCOVER was refusing to take them until the account charged off. XXXX, who said the account was charged off. XX/XX/XXXX spoke with XXXX XXXX - manager who said it was charged off and that was it all we could do is pay and nothing else. XX/XX/XXXX called Discover and XXXX to XXXX, who confirmed that XX/XX/XXXX Discovered refused payment it was documented in the system. He went on to say that the policy changed and they can now accept payment. It was explained to him that if that is the case then the account and the account holder should be made whole. He went on to say he did not see any calls regarding the account. It was explained to him that the regular number was called. XX/XX/XXXX - explained to XXXX we wanted to set the account on autopay and have the account reinstated remove late charges and have credit to no longer reflect negative due to them not accepting payments. XXXX said once charged off they were not taking it back and we could dispute it with XXXX - She said balance was XXXX could settle for XXXX and it still show negative on the account. 
XXXXThey wanted us to accept a settlement but did not want to send it out for us to review. XXXX said we had to verbally accept it first then they could sent it out. We explained that we should be able to review to see if it is in my best interest first. She said she could not do that. Discover stood in the way of this account being maintained successfully. Although, my son was not able to make payment he had someone willing to pay the card, not get information, or any thing additional about the account simply pay money and they refused it. Now they want to charge off the account and negatively impact his credit. It is unethical and simply wrong and distasteful. 

I am not a joint holder or card holder of the account - I am the parent of the account holder who is authorized 3rd party to discuss the account and make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

1

5 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 an account without my written instructions
Product: Debt collection

Upon reviewing my credit report, I identified multiple accounts that appear to be fraudulent and were added without my consent.
Product: Credit card or prepaid card

This is based off my prior complaint with Bank of America that is closed. I am aware that they are to respond in writing, and they never did. They left me a voicemail asking me to call them back. This is not acceptable and I believe they know that. I believe they are breaking laws here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 5 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 


The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


1. XXXX XXXX acct. # XXXX bal. $ {$3300.00}
Product: Credit reporting or other personal consumer reports

I recently review my report and I noticed it was some fraudulent activity on my report It please remove these accounts as it is hurting me from obtain credit and hurting me as a natural human flesh!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I recognized there were XXXX accounts on my Experian credit report that showed delinquency which I had no knowledge of opening. These XXXX accounts totaled a balanced of about {$400.00}. Although it was not a significant amount, since these accounts were not mine, I did not agree to pay. I filed a police report, a complaint case with the federal trade commission. Then I submitted these XXXX reports along with my identity proof ( SSN card, driver license ) to Experian via postal mail and also uploaded these files online. Experian still refused to assist me and turned down my complaint, leaving these XXXX accounts on my credit report to affect my credit score and reputation.
Product: Credit reporting or other personal consumer reports

Incorrect information on my credit report and I would like it to be corrected so my credit can reflect correctly. 
Hard inquiries -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquires-XXXX  ( Finance ) -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) -XXXX  ( Bank ) -XXXX  ( Finance XXXX Equifax-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

they keep denying me for XXXX  but told the credit manager at bentley that bc i filed for bankruptcy 14 years ago even though i withdrew my filing and was dismissed in XXXX, but in the letters they XXXX  and say something else i just bought a XXXX bentley not sure why this is my 4th one and they keep denying me i belive there really denying me bc im XXXX and XXXX
Product: Credit reporting or other personal consumer reports

RE :XX/XX/XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XX/XX/XXXXXX/XX/year> - {$220.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to the XXXX, Equifax, and XXXX on XX/XX/2021 and I have not received any results. I'm not expecting them to respond in 30 days but it's been 3 months. I need to get answers and responses from the bureaus.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

Received call from XXXX XXXX XXXX Supposedly in North Carolina stating they had received letter from XXXX re an old bill. They wanted my credit card information and to pay now or else my credit would be ruined. 
Called XXXX, they verified that bill was XXXX.
Product: Debt collection

I received an invoice from Ability Recovery Service for a debt from XXXX XXXX on XX/XX/2021. I disputed this debt on XX/XX/2021 as I have already settled with XXXX XXXX as of XX/XX/2021. On XX/XX/XXXX, I received my first phone call from Ability despite not yet receiving written verification of the debt. On XX/XX/XXXX, I was notified that my this debt was added to my credit reports. On XX/XX/XXXX, I received another phone call from Ability. As of XX/XX/2021 I have yet to receive written verification of the debt.
Product: Credit card

I received a letter from CITI Bank, dated XXXX XXXX, 2024, requesting additional information for an application that I did not make. A fraudulent application has been made in my name. The letter includes an Application ID and Reference Number. I called numerous phone numbers trying to speak with an agent at CITI to report this fraudulent activity. I was connected with XXXX person, who I could barely hear or understand, and when I refused to provide my social security number ( because this is a fraudulent matter ) the call was disconnected.
Product: Debt collection

On XXXX XXXX, XXXX, I filed an " Initial 90-Day Fraud Alert '' which entitles me to a free copy of my credit report. I discovered a fraudulent tradeline from a collection agency ( Diversified Consultants ) originating from " XXXX XXXX '' on my XXXX  credit report. I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ). 

This debt is not mine, I do not know where the debt originated. I can presume it is related to the fraudulent names and phone numbers on my credit report, but I do not know for sure.
Product: Student loan

The events commencing in XXXX when my student loan of {$34000.00} was first sold to XXXX at an APR of XXXX XXXX. I paid the loan off in good faith in XXXX, XXXX in the amount of {$36000.00}, disputing the usurious interest attached to my loan. Despite paying this {$36000.00} amount, the sale and resale of my loan, accruing interest with each sale, has my loan at the present amount of over {$100000.00}. 
The table below outlines the loan activity over the years. I utilized each lenders documentation to devise this table : Statement Date Lender Amount Owed Amount Paid XXXX Notes XX/XX/XXXX XXXX {$34000.00} XXXX XXXX First known student loan statement XXXX XXXX {$44000.00} XXXX XXXX Consolidated loans XXXX XXXX XXXX {$61000.00} XXXX XXXX XXXX purchased loan from XXXX XXXX XXXX XXXX {$56000.00} XXXX XXXX Balance decreased for reasons unknown XX/XX/XXXX XXXX XXXX {$36000.00} Disputed accrued interest, issued {$36000.00} payment, lenders allowed interest to accrue XXXX XXXX {$64000.00} XXXX XXXX  XXXX purchased loan from XXXX XX/XX/XXXX XXXX {$64000.00} XXXX XXXX  XXXX XXXX  sold loan to XXXX XXXX, XXXX  XX/XX/XXXX XXXX {$85.00}, XXXX XXXX XXXX Incredible ! 
XX/XX/XXXX XXXX {$87000.00} XXXX XXXX XX/XX/XXXX Fed Loan Servicing {$89000.00} XXXX XXXX XXXX XXXX XXXX  assumed loan from XXXX XX/XX/XXXX XXXX XXXX XXXX {$98000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$98000.00} XXXX XXXX XXXX Nelnet {$98000.00} XXXX XXXX  Nelnet assumed loan XXXX XXXX Nelnet {$110.00} XXXX XXXX XXXX XXXX Incredible !