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

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 XXXX  days before the payment due date. 


XXXX EXPERIAN 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 XXXX 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! 


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

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the accounts were still erroneous. 
please investigate the accounts below XXXX XXXX XXXX XXXX XXXX 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 card

Ensuring that payments on this account are always made on time has been my priority, ensuring they never lapse into overdue status. I'm unclear as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I submitted a dispute with CBC Innovis in regard to inaccurate public records showing on my credit file. Namely, Judgement with XXXX funding, unknown judgement, and tax lien. I received a response back XX/XX/ that all public records were verified with XXXX XXXX. These public records are inaccurate and according to the law must be removed.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act XXXX XXXX account number XXXX has violated my rights 15 U.S.C 1681 section602 A states I have the right to privacy and also states a consumer reporting agency can not furnish an account without my written instruction. It is also my understanding under the FCRA 15 USC sec 1681i every single even each and all the unproven, non-compliant, incomplete, untrue, incorrect and or unverified aspect of any alleged derogatory account must be promptly negated in its entirely or the alleged account are to be completely DELETED. This derogatory account allegation is either UNTRUE, UNVERIFIED, INCORRECT, IMCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY OR OTHERWISE NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and must be removed immediately.
Product: Credit reporting

I have submitted multiple disputes through the credit reporting agency and associated with unauthorized inquiries reporting on my credit report. I have been advised that the only way to have the fraudulent inquiries removed. I was advised that my only option was to contact the parties directly and request that THEY remove the inquiries. I contacted each of them and and was advised that they would need all of my confidential information ( name, SSN, DOB, address ) to 'research ' the reporting. While I was comfortable with providing my name and address - given my documented ( with the credit report ) history of identity fraud, I was unwilling to provide further details of my identity that would leave me once again vulnerable to identity theft. 

Equifax continuously refuses to correctly report information and further victimizes me by failing to remove the fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation/dispute on my credit report which caused severe XXXX on me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under U.S. Code 1681e ( b ) and U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these account were updated but not verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 USC Section 1681i ( 7 ) Method of verification -Description of re-investigation procedure.

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 stated a consumer reporting agency can not furnish an account without written instructions.

RESOLUTION : As a consumer by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and/or deleting accounts I recently submitted by certified mail that I have attached. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXXXX, has violated my rights. 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. In accordance with the Fair Credit Reporting act Bank of America Account XXXX XXXX, has violated my rights. 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please note there is not actual account number listed for this account. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 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 an account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in XXXX, has violated my rights. 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Bank account or service

My Bank of America ( BOA ) checking account and BOA credit card was hacked for {$10000.00}. According to BOA, a criminal, most likely assisted by BOA employee ( s ) joined my account using the BOA website. The next day, a criminal went to a local BOA and over withdrew the funds from my checking account. The overage was charged to my credit card. Upon getting my regular BOA monthly credit card bill, I contacted BOA and they issued a refund. NOW I 'M UNABLE TO OPEN AN ACCOUNT AT XXXX DUE TO SUSPECTED FRAUD ACTIVITY BY ME ON THE XXXX REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX XXXX XXXX from XXXX to XXXX therefore I could not make any payments or let kohls and child support and XXXX XXXX know until I was XXXX. Im trying to fix my credit and these negatives are affecting my score big time. I tried to dispute all three to get them removed because Ive paid all off. Please help me fix my credit. Also capital one closed a credit card on me today because of my XXXX XXXX 7 years ago. How can one fix credit and rebuild life if no one will help? Im not sure if them closing my account will affect my score but it wasnt right. I dont know what else to do to help me score. Please help me. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did not look at evidence that world finance fraduently reported i had a new loan account XX/XX/2020 they did this to me in XX/XX/2020 if they had actualy researched this they would have found them to have illegally refreshed this account that was not with them. i will persue legal action against both companies as i see now iam getting absolutely no where this is illegal practices what is he fair credit act for????? this is not a new account and then they reported it closed XX/XX/2020 both companies ridiculous they need to do there job. look at the dates and evidence that will tell you you cant put something on someones credit report twice!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has illegally re-aged this account and is in violation of the Section 623 ( a ) ( 5 ) of FCRA. 

In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action In the written statement XXXX  XXXX XXXX sent to CFPB, they state that the original date of Delinquency is XX/XX/XXXX but in my credit file they are listing XX/XX/XXXX. This is a clear illegal attempt to reage and a blatant violation of my rights. 

Also, XXXX  XXXX XXXX did not follow federal guidelines and report this debt to the credit agencies within 90 days. XXXX XXXX XXXX did not report this debt until XX/XX/XXXX which is another violation. 

This debt needs to removed from reporting. XXXX  XXXX XXXX has lied multiple times about the validity of the information they are reporting. This debt can not be reported by any agency due to the multiple inaccuracy and the failure to properly verify the debt.
Product: Credit card

I called on  XXXX  about m y Citi presti ge card. I called because I was charged the  XXXX  annual fee and I wanted to see if I could get my card changed to one without an annual fee. I called and found out the card can be changed but was not ready to make a decision on what card to change the account to. I went online and saw there are different cards that are offered and called back and decided I wanted to change my card to  the Citi Costco Visa . I did n't have my  XXXX  member ID number available so I ended the call with  XXXX  and tried to call Costco. I was n't able to get them to give me my member number. Since I was really concerned about the  XXXX  annual fee I decided to call  XXXX  again and ask them if they could just waive the fee - I am in the process of buying a house and I did n't want the credit agencies to show that I had an  XXXX  monthly payment. When I called in I asked the girl if it was possible to get the  XXXX  waived, she said let me transfer you over to someone that can help. The next person on the phone was someone from the retention department saying that she heard I wanted to cancel my card. Shortly after our conversation began there was loud static and I realized the call disconnected due to a bad transfer - I have worked in call center management for 15 years and have accidentally done this same thing when talking to others. I immediately call back in and as I am talking to the next person and come to a solution that representative tells me that my account was closed. I did not instruct anyone to close the account. With some help the account was reopened within 24 hours HOWEVER I am now told that not only can I not change my account to avoid the annual fee, but I am also not able to have the fee waived all of this stemming from a rule that exists which states you cant change your account for 12 months. It is n't fair to me that I cant convert to a no fee account now because someone closed my account. At this point I am told my only option is to close the account all together to avoid the fee. It just seems wrong to do that to a customer given that the call was dropped, and a representative transferred me to the retention department whose policy is to close accounts if calls are dropped. In this situation you would have thought that the representative that I was speaking with when the call was dropped would have tried to reach out to me or note the account or something.
Product: Debt collection

I have previously filed XXXX complaints regarding this issue, number XXXX and number XXXX. XXXX XXXX has now engaged a XXXX collection agency from whom I received correspondence this week attempting to collect this alleged debt which I have previously disputed XXXX.
Product: Credit reporting 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. 
Account name : # XXXXXXXX XXXX XXXX  XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to ALLY FINCL XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Ally Financial 's customer service representative.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage company put me in foreclosure while waiting on my loan modification
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau 's are reporting incorrect information on my credit report
Product: Student loan

In XX/XX/2021, the PSLF waiver was announced and I immediately began to read over the changes and take the steps needed for the waiver to help my situation. In XXXX, the waiver only mentioned to consolidate non Direct loans. I have XXXX Direct loans that I did not consolidate with my XXXX non Direct loans since the waiver was very clear about this. The consolidation occurred in early XX/XX/2021 and within XXXX weeks the newly consolidated non Direct loans were forgiven under the waiver but I was left with the XXXX Direct loans. The updated information came out for the waiver after the forgiveness of the newly consolidated loans to consolidate ALL loans, Direct included, and the waiver would count the highest number of loan payments. In my situation, this information was not given in a timely manner for me to consolidate all my loans together. As a result, I am now left with XXXX Direct loans that would have been forgiven if correct information had been given in a timely manner to consolidate everything together. I am grateful of the loans that have been forgiven but it is so disheartening for inaccurate information to be given and not allow the individuals that took advantage of the waiver early on to get counts and an immediate forgiveness that would have otherwise counted if the information had been given in a timely manner. I have been paying the loans and working in public service now for 13 years which is well over the XXXX payments needed but due to more red tape and misinformation, I am still left with the loans wondering when this will eventually end.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : Credence Resource Management with Account Number : XXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

I visited the website and saw they represent XXXX XXXX XXXX XXXX. I had opened an internet account with XXXX XXXX XXXX but had never received the router, resulting for the account never being activated. I visited the XXXX & XXXX store in XXXX where the account was first opened and explained the issue to them, they called customer service with me, verified the issue, and the account was closed. This account should have never attained a balance as this was resolved in an appropriate and timely fashion. Please review the creditors ' records and offer the validity of this " debt. '' Finally, please remove all non-account holding inquiries over XXXX days old and add a promotional suppression to my credit file. 

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

I recently reviewed my credit file and unfortunately found that some of my personal information is incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. 

Please delete the following inaccurate information from my credit file in the next 30 days. I know that you have up to 30 days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you have incorrectly reported and should be deleted immediately. 

Please delete the following inaccurate addresses : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By reporting these inaccuracies, you are in violation of U.S.C 1681b ( a ) ( 2 ) for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink written instructions to do so. These actions have caused my family and I a great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting Sincerely, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserve
Product: Credit reporting

I am a victim of identity theft there are alot of Account and inquires on my creditfile that are not mines or either have my name but different social security attached to it that still are not mine. I have submitted documentation and called and still no help. I have plenty of inquiry month after month with some of these compnt i have no idea about. Im just trying to get them removed. I have sent the same documents to all XXXX reporting agencies.
Product: Debt collection

This company was sent a debt validation letter requesting specific documents and all they sent me to validate the debt was an XXXX  spreadsheet ( see attached ) with some info on it anyone could have done. This is not validation of a debt and I suspect that this company engages in these less than reputable tactics with other less knowledgeable consumers and takes advantage of them. 

They also used a cheap envelope that you could clearly see through that this material was from a debt collector so the mailman and family that got mail knee what it was. Definitely a violation of the fair debt act and a cause for civil action which I am looking into now.
Product: Credit reporting or other personal consumer reports

JPMCB CARD SERVICE XX/XX/2023 XXXXXXXX XXXX XXXX XXXX At the time these inquiries were filed a report, a missing/stone card report was filled with my bank. I am requesting that this information is removed because this was an unauthorized transaction and identity theft.