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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) -I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

only autorized XXXX pull on XXXX XXXX 2015 and that was XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX 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  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, credit repair services, or other personal consumer reports

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and XXXX  have got into the hands of the wrong person.
Product: Mortgage

In XX/XX/2020 our loan was sold to Specialized Loan Servicing ( SLS ). 
Per the terms of the note our interest rate was to be changed in XX/XX/2020. 
We have repeatedly called this company and nobody has a clue as to what to do as you can only speak to entry level data personnel. 

We need to get help as they are in breach of our contract. 
Thank you XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX XXXX , and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC ( Original creditor : XXXX XXXX XXXX XXXX ). 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.
Product: Credit card or prepaid card

On XXXX XXXX I made a large furniture purchase to replace all my flood damaged living room furniture at XXXX of {$11000.00}. I errantly gave the salesman my XXXX Citi Visa Card which had a {$9500.00} limit instead of my XXXX XXXX card which has a large limit. Citibank approved the transaction although it was almost {$2000.00} over my limit. If they had declined the card I would have immediately known I had used the wrong card. I did not realize the error until I returned home and noticed the last for digits of the Costco Visa XXXX were on the invoice. I called Citi and wanted to pay the entire balance off right then and there. The agent said it was still pending and I would have to wait until it posted. The statement closing date was XX/XX/XXXX during a three day holiday weekend. I called back at least four times trying to pay this balance off in full. The agents could not do it and the website would not allow me to pay because it was still pending XX/XX/XXXX the statement closing date. On the morning of the XXXX I made the full balance payment of {$11000.00} after an email from Citi on the XXXX said the charge had finally posted and my full payment was made then. My complaint is Citi posted the {$11000.00} on the XX/XX/XXXX statement after telling me it was still pending. This caused Citi to report to all the three major credit bureaus I was over my limit destroying my XXXX plus credit rating after repeatedly telling me it was pending. Deceptive and untruthful was Citibank. I want an explanation and removal of the information from my credit reports.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS ALLOWING XXXX  AND XXXX TO ATTACK MY CREDIT FILE. THESE COMPANIES ARE REPORTING 3 COLLECTION ACCOUNTS FOR THE SAME CREDIT FILE IN ORDER TO PUNISH ME FOR ASKING FOR THE PROOF OF THESE ACCOUNTS. THIS IS ILLEGAL. TRANSUNION CAN NOT PUNISH ME WITH THESE COMPANIES JUST BECAUSE THEY DO NOT HAVE THE PROPER DOCUMENTATION NEEDED TO HAVE ACCORDING TO THE FAIR CREDIT REPORTING ACT. I DEMAND TRANSUNION DELETE XXXX AND XXXX  ACCOUNTS DUE TO HARASSMENT AND ILLEGAL ACTIVITIES ACCORDING TO THE FAIR CREDIT REPORTING ACT 609 ( a ) ( 1 ) ( A ). THIS IS ILLEGAL!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$4700.00}, {$5500.00}, {$1200.00}, {$1000.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
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. 

FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have a best buy credit card. In XX/XX/XXXX i went to a best buy store in XXXX New York to buy a phone i got a phone for XXXX plus fee =XXXX i was told i need to spend over 400 dollar to get 12 months no interest. After two day the cell phone stop working ( the phone screen went blank ) i called the store. I was told to turn the cell phone off ten wait a few minutes to turn the phone back on. A few days later i had the same problem, i tries to return the cell phone and the store would not take it back. I called the credit card company and nothing was done. I open dispute with the credit card company three times and nothing has been done about this matter. Today i spoke to a customer service worker at best buy and i was told to call the company that made the phone. I did and i was told there is nothing they can do. I would appreciate your help, i had this cell phone for less than one week, i do not think i should be responsible to pay for this item. The store had 15 days grace period to return the phone, and i tried to return the phone before the 15 days and yet the credit card company do not want to refund the XXXX back to my account. I am currently in company, and i do not have that money. Thank you for your time and understanding.
Product: Money transfer, virtual currency, or money service

In the past I had been contacted by Pay Pal however I felt it was a scam. I now see that at sometime ago I created a account however none of the phone numbers connected to my account are under my ownership. I have just tried to rest my password however the code will be sent to a number not under my ownership. Any activity I feel is not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wasnt approved for a SECURED Bank of America credit card, eventhough I have been approved in the past.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX22 and XXXX/XXXX  XXXX/2022.To my acknowledge I have not signed any documents authorizing your organization to review my credit report history, therefore your inquiry into my credit report violates The Fair Credit Reporting Act Section 1681b ( c ) : Transaction not initiated by costumer.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Demand for Removal of Inaccurate Credit Reporting To Whom It May Concern, I am formally disputing the inaccurate and wrongful reporting of the repossession of a XXXX  XXXX XXXX ( XXXX : XXXX ) under my credit report # XXXX. This vehicle was awarded to my ex-spouse pursuant to a legal and binding XXXX XXXX, and he accepted full responsibility for all associated financial obligations, including this repossession. 
The company responsible for reporting this inaccurate information is XXXX XXXX XXXX, associated with account # XXXX. Under the Fair Credit Reporting Act ( FCRA ) and applicable state laws, I demand the immediate removal of this erroneous entry from my credit file. The continued reporting of this repossession under my name constitutes inaccurate and defamatory information, causing undue harm to my creditworthiness. 
XXXX Grounds for Dispute : XXXX. Violation of FCRA ( 15 U.S.C. 1681s-2 ( b ) ) Furnishers of credit information are required to conduct a thorough investigation when a dispute is submitted. The account in question does not belong to me post-divorce and must be removed. 
XXXX. Breach of Contract ( State-Specific Family Code ) The Divorce Decree is a legally binding court order, and the responsibility for this account was transferred to my ex-spouse. Holding me accountable for this debt is in direct violation of this court order. 
XXXX. Unfair Reporting Practices ( 15 U.S.C. 1681e ( b ) ) Credit bureaus are required to maintain accurate information. Reporting a repossession that legally belongs to another individual violates this provision. 
XXXX. Potential Defamation and Financial Injury The continued presence of this derogatory item on my credit report is causing tangible financial harm. If this matter is not resolved immediately, I will explore all available legal remedies. 
Resolution Demanded : Immediate deletion of this repossession entry from my credit report.

Written confirmation that this item has been removed. 
Cease all further reporting of this item under my name. 
Failure to comply within XXXX days of receipt of this dispute will result in further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal claims for damages. 
Enclosed are copies of my XXXX XXXX and any supporting documentation to substantiate my claim. I expect immediate rectification and will not hesitate to escalate this matter if my rights under federal and state law continue to be violated. 
I anticipate your prompt response and resolution of this matter. Please provide written confirmation of the deletion of this account from my credit report no later than [ XXXX  days from receipt of this letter ]. 
Sincerely, XXXX XXXX Enclosures : Copy of Divorce Decree, Supporting Documentation Drivers License, Social Security XXXX.
Product: Money transfer, virtual currency, or money service

Scammed Out Of {$720.00}. XXXX Says Not Available To Beneficiary, But Reports This Remit As Picked Up To Sendwave. 
Therefore, I Can not Request Refund From Sendwave. Meanwhile, XXXX Refuses To Payout, Saying, They Are Working On Problem. 

DATE OF REMITTANCE : XX/XX/2024 REMITTANCE COMPANY : Sendwave SENDER : ******** SENDER EMAIL : XXXX BENEFICIARY : XXXX XXXX XXXX AMOUNT SENT $ & XXXX : {$720.00} or XXXX PICKUP CODE : XXXX DESCRIPTION OF COMPLAINT : Beneficiary made several attempts to pick up this remittance at XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX informed beneficiary that the remittance could not be picked up, that they will call beneficiary once the problem is solved. Beneficiary has not received any call. 
XXXX received email from XXXX stating that your money transfer to XXXX XXXX XXXX has XXXX XXXX XXXX. THIS IS NOT TRUE. THIS REMITTANCE HAS NOT YET BEEN PICKED UP. 
XXXX emailed help @ sendwave.com request for help in resolving this issue. XXXX opened case XXXX ; says investigating.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not provide me with the contract between me ( XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Please provide me with the written contract between me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for this debt. If not you must delete of your in violation of the federal and the state Fair Debt Collection Practices Acts.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/23 at XXXX, I sent {$350.00} to a woman who posed as an apartment locator thru cash apps platform. On XX/XX/23, I reached out to cash apps customer support and they told me they wouldnt be able to assist me in getting my funds back. This apartment service was never delivered and the apartments have no record on file of this transaction. The problem is that it happened through cash apps platform. My direct deposits go to my cash app, so this money was taken from my actual cash app balance and not from an outside banks debit card.
Product: Debt collection

A few months ago I discovered an account on my credit from I C Systems. I reached out to the company immediately because I had never heard from them before and the account according to my credit said it was for a veterinary bill- I don't own any pets. 

They removed the account but apparently they sold the account to a company called XXXX XXXX XXXX whom also placed the account on my credit without contacting me first. I sent them a letter as well and the unknown account came on my credit while I was in the middle of financing.
Product: Debt collection

I asked to send me the original contract, the payment that was made to the original creditor, what was i brought, the address verification, the original contract from the original creditor to the collection agency, and why was my information was shared without my concern. 
to all these question, I have nothing except the creditor is verified the debt is mine. 
these things are the information I need about the debt that is in my name and I got nothing. furthermore, I asked the collection agency not to write me anymore about this debt and they continue, is that not a violation of my right. they violate my right by reporting wrong information on my credit and they still violating my right after I asked them not to sent me any communication by calling me or write me.
Product: Debt collection

Ive reached out about this debt, was not provided with information to dispute, and or settle by the original debt collector. This debt has passed multiple times and showed on my credit report from multiple debt collectors. But no information was given to me directly.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EQUIFAX. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( 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.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.