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

My account with DEPT OF EDUCATIONXXXX 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 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. 

DEPT OF EDUCATIONXXXX 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

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I didn't receive any validation of debt from XXXX XXXX, the debt was sold to portfolio recovery associates in the amount of $ XXXX have had accounts with XXXX XXXX all in good standing but canceled by creditor do this issue, I received notice from XXXX XXXX  all issued credit debt issue be processed to portfolio recovery associates. Account was closed with stating a balance of XXXX on XX/XX/XXXX Account ending in XXXX. This action lead to my account with XXXX XXXX to be canceled states high risk of failure to pay, all my XXXX XXXX credit card debt was in good standing never last. XX/XX/XXXX .I sent the request for validation of debt XX/XX/XXXX did not receive anything to validate this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX Account ) XXXX XXXX ( Account ) XXXX XXXXXXXX XXXX ( Account ) XXXX XXXX XXXX XXXX ( Account ) XXXX XXXX XXXX ( Account ) XXXX XXXX XXXX XXXX ( Account ) XXXX 15 U.S.C States I have the right XXXXo privacy 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.

15U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S. Code s 1681n section 1 ( A ) ( B ) : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C.1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

AD Astra Claim this debt is Accurate & Consistent but on the original creditors ( Speedy Cash ) its 2 different incorrect spelling of my name, which is a major violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 


XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXXXXXX
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 USC 1681 section 602a ) that the consumer reporting agencies make sure they provide fairness, impartiality, and respect for me the consumer right and my privacy. However, Experian, XXXX, and XXXX are the credit reporting agencies and I am the Consumer. So, since I am the consumer I have the given right to make sure my private information isn't shared per 15 USC 6801 and just to give a brief summary it states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' The credit reporting has inquiries that I do not have accounts for, I've reached to them numerous of times to have them removed and nothing has been done XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all need to be removed or proof needs to be provided. Those inquiries needs to be removed from all credit reporting agencies per 15 USC 6801 and since you violated me and failed to follow the law ; I'm entitled to {$1000.00} per violation plus the stress and inconvenience it has caused. Also I have a Charge off from XXXX XXXX  that's reporting different amounts which is not accurate, Another Charge off is XXXX XXXX XXXXXXXX. And per CFPB complaint a Charge Off is considered a certificate of indebtness which means it is income and must be removed. The Family Educational Act of 1974 the promised not give my information to anyone and my student loans are reporting ( XXXX ) with different information with the credit reporting agencies ; I want to opt out from all credit reporting agencies. And then it's illegal to to report transaction history per 15 USC 6805, so this needs to be updated immediately. For any question or concerns please feel free to reach out. Best regards.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) - ( XXXX ) XXXX ACCOUNT IN VIOLATION FIX ERRORS OR REMOVE ACCOUNT XXXX XXXX ( XXXX ) - ( XXXX ) XXXX My expectations were not met by your submission, which seems to have deviated from the Metro 2 guidelines. Prior to being added to my credit profile, all information must be accurately and completely completed in compliance with the guidelines. 
There are too many Inaccuracies & Incorrect Information showing that you have not complied with the applicable standards. Remove this Inaccurate/Incorrect Account off my report Immediately. 


Account # : ( XXXX ) ( XXXX ) DIFFERENT ACCOUNT NUMBERS FOR SAME ACCOUNT. HOW ARE THERE XXXX DIFFERENT ACCOUNT NUMBERS? 
Experian : XXXX XXXX : XXXX Two-Year Payment History : ( XXXX ) PAYMENT HISTORY DIFFERENT XX/XX/XXXX TO XX/XX/XXXX Experian : Payment History is Completely Different : XX/XX/XXXX TO XX/XX/XXXX XXXX : Payment History is Completely Different : XX/XX/XXXX TO XX/XX/XXXX High Balance : ( XXXX ) HIGH BALANCE SHOULD BE {$0.00} Experian : {$27.00} XXXX : {$27.00} Last Verified : NO LAST VERIFIED DATE REPORTED. 
( 2 ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE 2 DIFFERENT DATES? 
Experian : No Date Reported XXXX : XX/XX/year> Date of Last Activity : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
Experian : XX/XX/year> XXXX : XX/XX/year> Closed Date : ( XXXX ) NO CLOSED DATE REPORTED. HOW IS THERE NO CLOSED DATE ON A CLOSED ACCOUNT? 
Experian : No Date Reported XXXX : XX/XX/year> Term Length : ( XXXX ) THERE SHOULD BE NO TERM LENGTH REPORTED Experian : ( XXXX ) Month XXXX : None Reported Credit Limit : ( XXXX ) CREDIT LIMIT SHOULD BE {$0.00} Experian : {$2500.00} XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed account  XXXX   XXXX  multiple times with Transunion and they continue to remove the account from my credit report. I do not owe this creditor they are charging for a dental service I never received due to me calling in and canceling my appointment a  XXXX  week prior to the appointments date. I sent a certified method of verification request to them on   XXXX   XXXX   XXXX   and it was delivered on   XXXX   XXXX   XXXX   I have not received any evidence supporting the creditors claim that I owe the debt of {$170.00}. This account has hurt my  credit score tr ememdously and continues to do so everyday this account is allowed to remain on my credit report. Transunion has not responded at all to my method of verification request and it has been well past the  XXXX  days that they have to answer to my request I want this account removed from my credit report.     On the same Method of Verication request I listed the following account   XXXX   XXXX   requesting for the information they used to verify this account and the same as the above applies I have not recieved any thing from TransUnion in regards to the  Method of Verification re quest I sent to them. I want this account removed as well. TransUnion seems to not adhere to laws meant to protect consumers rights and continue to not conduct real investigations into consumer disputes and continue to allow creditors to not have provide any supporting information verifying the debt is real.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of 15 U.S. Code 1681c2 ( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. 

I, the consumer initiated a dispute XX/XX/2022 the consumer reporting agency just started the investigation. The consumer reporting agency has not indicated the facts in the consumer report That includes the disputed information. That is clearly Willfull noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On about 2018, I was a victim of apparent Identity Theft as well as Data Breach from several businesses i.e. XXXX, XXXX, Equifax and others. I reported the information to the consumer reporting agencies as I was getting calls and collection attempts for accounts that I did not consent to, authorize or create. Nothing was done other than tell me that the accounts are mine. I explained that someone had used my information to obtain credit and I would not be responsible for for payment and that they remove such accounts from my credit reports, but to no avail. Also some of the accounts eventually went into collection and was either assigned or sold to non-compliant collection agencies. They started sending me letters and putting erroneous, inaccurate and false information on my consumer credit report. I called them and I wrote to them and I tried on numerous occasions to have them remove the accounts from my credit reports, but they threatened me and bullied me and tried to extort money from me. I have tried contacting the three credit reporting agencies, Equifax, XXXX and XXXX and they give a half effort to verify the accounts with the creditors on the credit cards and the collection agencies for the unpaid accounts. Obviously, as I have communicated to the credit reporting agencies, the information will be VERIFIED by the creditors as my debt because the information obtained to open the accounts is similar to my information but the addresses used and the use of the credit cards was not my doing. But the credit reporting agencies allow the collection agencies and the creditors to continue to state that the debt is mine without obtaining the " ORIGINAL CONTRACTS '' from the creditors and collection agencies. All of the collection agencies who are attempting to collect on the debt are not AUTHORIZED by the State of GEORGIA to conduct collection business ; therefore they are in clear violation of federal laws and violating my privacy rights. They have no permissible purpose to collect from me as well as not be allowed to report negative information on my credit reports. 
I am requesting that your agency submit a CEASE and DESIST order to them and have them remove all negative collections from my consumer credit reports within the next 15 days. I would also ask that I be awarded civil damages from the following collection agencies for the blatant violation and disregard of federal laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your cooperation in the matter would be greatly appreciated. I am also attaching several attachments to this complaint and you should be aware that I have submitted these documents to the collection agencies and the Credit reporting agencies and the negative accounts still remain on my consumer credit report without my consent and my authorization. 
PLEASE STOP THE COLLECTION ATTEMT AND PERMANEMTLY REMOVE AND DELETE THE NEGATIVE ACCOUNTS OFF OF MY CONSUMER CREDIT REPORTS. ( ALL THREE CREDIT REPORTING AGENCIES )
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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

My identity was stolen in XXXX of XXXX. The identity thief opened many credit cards in my name including a XXXX XXXX XXXX  XXXX  ( as well as an XXXX XXXX XXXX XXXX XXXX  XXXX  ) through XXXX XXXX. On XX/XX/XXXX I called XXXX XXXX  and reported the fraud as well as reporting it to all credit bureaus and the police. I put a fraud alert with each credit bureau. XXXX XXXX  told me they would start an investigation. XXXX XXXX  informed me on XX/XX/XXXX via letter that they found the XXXX XXXX XXXX  XXXX  account to be valid but the others were fraud. I called again and disputed the XXXX XXXX credit card as fraud immediately on XX/XX/XXXX at XXXX with XXXX  ' who said they would send it for re-investigation. XXXX XXXX  sent me a letter dated XX/XX/XXXX saying that they would not re-investigate a duplicate dispute. I disputed the XXXX XXXX credit card account with each credit bureau on XX/XX/XXXX. Equifax came back and said that XXXX XXXX  " verified that this account belongs to me ''. It does not. I called XXXX XXXX  again and disputed again. I received a letter dated XX/XX/XXXX from XXXX XXXX  stating that they " have concluded you are not responsible for the account '' and that they would remove it from the credit bureaus. I thought it would be over at this point but the XXXX XXXX XXXX  XXXX  is still being reported as valid to Equifax. I called XXXX XXXX  again in XXXX of XXXX to report that the XXXX XXXX XXXX  XXXX  was still showing up on Equifax and that I noticed that XXXX XXXX  had reported hard inquiry pulls from the identity thief applying for more fraudulent credit cards with them ( I had an active fraud alert at this time ) : XX/XX/XXXX - XXXX XXXX XXXX XXXX  XXXX  ( XXXX XXXX  ) XX/XX/XXXX - XXXX  XXXX  ( XXXX XXXX  ) XX/XX/XXXX - XXXX XXXX  XXXX  ( XXXX XXXX  ) I called XXXX  again and asked to have the XXXX XXXX credit card and the hard inquiries removed from my credit report was told to " Just dispute it with the credit bureau you can dispute anything ''. The problem is when I dispute it with the credit bureaus XXXX XXXX  tells the credit bureaus that it's valid. In XX/XX/XXXX I disputed all of the above through Equifax again, and the conclusion from XXXX XXXX  was " These Inquiries are a factual record of file access. '' which they are clearly not. I called XXXX XXXX one more time in XXXX of XXXX and told them they are still reporting the XXXX XXXX XXXX  XXXX  to Equifax and they sent me another letter dated XX/XX/XXXX that " I am not responsible for the account '' and they would move this account from my credit report. As of XX/XX/XXXX it is still there as well as the hard inquiries made by the identity thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

According to Cushman V Transunion 1997 Transunion is supposed to ensure MAXIMUM ACCURACY. These accounts violates these laws 15 USC 1681 ( i ), 15 USC 1681s2, 15 USC 1681i5,15 USC 1681eb. Delete Accounts from my credit report because they are reporting inaccurate and misleading information how can accounts be showing all different Dates of last activity along with several other errors I want accounts deleted from 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 I also all unaccount related inquires removed listed below Inquiry Name DATE of INQUIRY XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of Privacy & Consumer Rights I received a copy of my credit report with the intention of trying verifying what is all on my credit. In the process of doing so, I realized that I have not given anyone written consent to place the attached items listed to my credit report. In accordance with the Fair Credit Reporting Act ; XXXX  accounts listed below has violated my rights. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 U.S. Code 1681i section 602a ; stated I have the right to privacy. Which means that if I did not give my consent to the furnishers of these accounts or to your reporting agency to place upon my government administered social security number ; my rights has been violated. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 U.S. Code 1681i section 604a ; also states that a consumer reporting agency can not furnish an account without my written instructions to do so. Which I have not written this agency to do so. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 U.S. Code 1681i section ( A ) states the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. I did not receive that notification. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Finally, 15 U.S. Code 1681i section 5 ( a ) states in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate based on the results of the investigation. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.