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 XXXX. 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 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION 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!

Update the late payments from my consumer reports
Product: Credit card

I have a credit card with CareCredit. When I applied for the card, they never told me that I would be changed for the statement. In XXXX I received a letter stated that I have a past-due payment to the CareCredit company. I called the credit card company they told me that they had sent me an email regarding my statement. I told them I did not receive any email. It turns out they have the wrong email address. I asked them to remove the late fees, but they have refused. The problem happened because they didn't send a monthly statement and they did not have the right email address, and they told me it was free inters for a year, but that was not the truth because they changed me for interest. I need the credit card company to waive the fees and obey the word with no interest-free for a year. Please I need help, thank you
Product: Mortgage

After about 6 plus hours on the phone with my homeowner 's insurance company, XXXX, we realized that Caliber Home Loans ( my previous servicer who sold the loan to another company in XX/XX/2023 ) never paid my homeowner 's insurance for XXXX XXXX. I had changed policies from an HO policy to a DP policy for this new renewal. They paid the amount of {$10000.00} to XXXX in XX/XX/2023 and put it to apply to the old HO policy. They also paid the next day the difference owed for the DP policy, which was {$640.00} to the DP policy ; so they obviously got the bill for the new policy and the changes. 
I received a refund from XXXX for the XXXX for the HO policy and called and was told the mortgage company needed to pay that amount to the proper policy, the DP one. I called Caliber and got the information of where to send the check, how to get it applied to escrow properly, and told them they need to pay XXXX properly. I sent the check with the memo clearly stating " Apply to Escrow '' and my account number, as I was directed on the phone by Caliber. 
Turns out that this was never done. They applied it to principle, which I did not know. XXXX never got paid. Now they ( Caliber ) sold the note, the new lender can't do anything. XXXX applied this year 's escrow to last year 's insurance amount due, and I still owe for this year over {$10000.00}. I can not afford this and want Caliber to pay the amount that should have went to escrow and pay XXXX properly. I can not pay double insurance and will lose my home if my escrow goes up almost {$1000.00} more next year, as it went up approximately {$1500.00} this year as it stands. Caliber needs to fix their error. 
I can not call them, as since they sold the note, their automated system will not allow me to speak to someone no matter what I do. I reported them to the XXXX about this but they didn't respond. I NEED THIS TAKEN CARE OF ASAP AS I AM PAST DUE OVER A MONTH ON MY INSURANCE DUE TO THEIR ERROR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened : XX/XX/2013 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I have some inquiries that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I have learned that you are reporting 4 accounts on my credit report with the following balances : {$12000.00}, {$13000.00}, {$13000.00} & {$0.00} which I have repeatedly asked you to validate that the information being reported is correct. The account status shows charged-off yet a balance is still being reported to the Credit Bureau. This information is inaccurate and therefore does not comply to the FCRA. I have disputed this with you on multiple occasions and requested you provide me with my signature of proof that this is indeed my account. Your company did not reply in a timely manner to both letters I sent and which you signed for, one on XX/XX/XXXX and the other on XX/XX/XXXX. By not replying my letters, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing these accounts are being reported accurately. Your non-compliance of federal laws under the FDCPA, FCRA and state laws is unacceptable. I am requesting you resolve my concerns immediately. Failure to do so may require I pursue a small claims action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}
Product: Debt collection

The last time I ever made a payment was XX/XX/2018. This was a childcare facility and no debt was owed. How can you even try to attempt to collect anything over 4 years later, which there was no balance. Please remove these false information from my report. I don't appreciate company 's trying to get money out of poor single mothers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found unverified items on my credit report and according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 

1. XXXX, XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX  XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX  XXXX XXXX I want the name, address, and telephone number of the person at the source you contacted and an affidavit under declaration of penalty of perjury from that individual, in other words a fact witness. The Method of Procedure as mandated by 15 USC section 1681 ( i ) ( 7 ) or FCRA section 611 ( a ) ( 7 ). I will expect you to complete your investigation within 30 calendar days from the date you received this dispute or the item being disputed will be unverifiable and subject to deletion. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section1031 of the Dodd-Frank Act ) Thank You,
Product: Vehicle loan or lease

I initially received my car loan for my XXXX XXXX that I purchased at XXXX in XXXX Alabama on XXXX XXXX, XXXX for {$14000.00} and have made monthly payments of {$380.00} since. My balance is at {$10000.00}. After five years of paying {$23000.00} on a {$14000.00} loan I have only paid less than {$4000.00} in interest. My payment this month went 100 % toward interest ( after 5 years of paying ) and my payment last month of {$380.00} only put {$61.00} toward interest. In early XXXX of this year I paid {$1000.00} and asked that it put directly toward principal as it was besides my normal payment, Santanders put {$210.00} toward interest and the rest toward principal I had to call several times and threaten to sue before they reversed the payment and put it all toward principal, my very next payment they only put the {$61.00} toward principal and this last payment, none.
Product: Credit reporting or other personal consumer reports

It has come to my attention, that XXXX XXXX XXXX XXXX  has transfer an account to XXXX XXXX XXXX XXXX Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$700.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 
Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.
Product: Credit reporting or other personal consumer reports

Regarding CCS Collection Services Acct # XXXX This company reported this fraudulent collection on my credit report, and they are not licensed and bonded to collect in my state as required by law. This is a violation.
Product: Mortgage

I decided to try and refinance my original mortgage to add my son just in case anything happened to me it would go directly to him, they said no problem. So we proceeded with the loan application. I chose the quitclaim deed so if anything were to happen to me again it would go to him. I took notice, something was off after the 72 hour hold, we received the quitclaim deed, and my homestead had changed because my son was added. because of that, I am wondering why my son XXXX and I were never informed of the tax change which would change how much the mortgage monthly payment would be. 
They knowingly took for granted to make money and care about use being able to make our monthly payment. I would have never refinanced had we have know or been aware of the deceptive contract practices. 
This company XXXX account manager XXXX XXXX, XXXX XXXX refuse to call or contact me in regards to the quitclaim deed changed. 

Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

EQUIFAX REFUSES TO ACKNOWLEDGE THE TERMS ASSOCIATED WITH MY ACCOUNT WITH XXXX XXXX XXXX. I HAD AN HIGH BALANCE OF {$3000.00}, WHILE EQUIFAX IS REPORTING {$3900.00}. THEY ARE REPORTING MONTHLY PAYMENTS OF $ XXXX MONTHLY WHILE I HAVE SUBMITTED BANK STATEMENTS REFLECTING {$170.00} A MONTH DRAFT PAYMENTS TO XXXX. I HAVE TRIED UNSUCCESSFULLY TO GET EQUIFAX TO REPORT TRUE AND ACCURATE CREDIT INFORMATION AND NOW APPEALING TO YOUR OFFICE TO HAVE EQUIFAX TO REPORT TRUE AND ACCURATE INFORMATION. MY CREDIT TERMS ARE 24 MONTHS ZERO INTEREST, EQUIFAX IS REPORTING 31 MONTHS
Product: Debt collection

Equifax this is your NOTICE OF VIOLATIONS Under 15 U.S. code 1681b- 15 USC 6802 ( b ) and ( c ). I was never provided any notification on paper as to whether or not I wanted the transaction reported. The company had an obligation to fulfill and failed to do so. INQUIRIES 1. XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX All of these accounts are third party debt collector they do not have a enforceable contract 1.XXXX XXXX XXXX  2 . XXXX 3. XXXX XXXX 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18 U.S. Code 8 - Obligation or other security of the UNITED STATES The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes , Federal Reserve bank notes , coupons, United States notes , Treasury notes , gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps . THE DOCUMENTS IN QUESTION ARE SUBJECT TO THE PRIVACY ACT OF 1974 Contents shall not be disclosed, discussed, or shared with individuals unless they have a direct need-to-know in the performance of their official duties. Deliver this/these document ( s ) directly to the intended recipient. THEY WERE NOT TO BE drop off with a third-party. To be used on all documents containing personal information The document ( s ) contained my personal or privileged information and should have been treated as For Official Use Only. Unauthorized disclosure of this information may result in CIVIL and CRIMINAL penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US Bankruptcy 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Identify item ( s ) resulting from the identity theft that should be blocked and removed with no reinsertion, or I will file a lawsuit against the creditor, Experian, XXXX and XXXX XXXX XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Debt collection

On X/X/2017 I contacted XXXX XXXX of the XXXX XXXX XXXX XXXX This was the email I sent after shortly finding out that they were a fraud student loan company " Hi, My name is XXXX XXXX XXXX and you can reach at XXXX XXXX. I wish to cancel this loan agreement because is agreement is incorrect in regards to the information that was provided. I was mislead and I want to cancel. After reading the BBB reviews and complaints you guys are not the type of company I want to deal with please reverse everything! '' They then sold my contract to another company called XXXX XXXX XXXX in California in which I repeatedly asked them not do because I was going to stay with XXXX after finding out about their fraudulent company.
Product: Checking or savings account

Having enough in my account from my retirement XXXX every since I open up this account constantly been accessed fees that were inappropriate due to abuse of power by the president at the bank also based on stigmatized and sterotyped being of another race. And taking me like I am stupid and constantly every month being charged excessive fees that were deemed to be access to my account ; Suntrust bank on XXXX XXXX in XXXX pk XXXX XXXX XXXX XXXX. facing biases.
Product: Student loan

Three subsidized loans are causing my credit report to show 15 late payments when there should be only five late payments. All subsidized loans have been combined in the past to make up sum of loan debt, not separate loan debts.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a negative impact on my credit score related to my account with Golden One Credit Union. I believe that the recent changes to my credit report are the result of errors or mismanagement, and I kindly request your assistance in investigating this matter. 

In XX/XX/scrub> 2024, my checking and savings accounts with Golden One Credit Union were compromised due to fraudulent activity, and all my money was withdrawn. I immediately contacted Golden One and visited the branch in person, speaking with multiple representatives over the phone on multiple occasions to ensure that both accounts were fully closed. 

At the time, I was assured by the bank that everything was resolved. However, several months later, I discovered that the accounts had not been properly closed. A credit line associated with the account continued to withdraw monthly payments, even though the account should have been closed and there were no funds available. This resulted in negative activity that has lowered my credit score over the past 6-10 months.

As soon as I became aware of the issue, I contacted Golden One again and was told that the accounts were still active, and that there were even remaining funds in my savings, despite my having withdrawn all of the money. I had to make m
ultiple phone calls and speak with several representatives and was told the account was closed in multiple different occasions. I believe it is unfair that my credit score suffered due to a mistake on Golden Ones part, despite my proactive efforts to resolve the situation.

In an effort to get my account closed once again, I went into a golden one location and spoke with XXXX XXXX, the associate branch manager of the bank. And he assured me that the account was finally now closed though I have not received the final closure notice in the mail as they stated I would. I am now four months pregnant and struggling to find housing due to the drop in my credit because of this issue alone. He then told me to contact the credit bureau once again but I do not have the supporting documents I need for them to correct the incorrect credit report. Which is the final closure letter and a letter from Golden one stating that their credit report was incorrect.

Please find the relevant sections of my credit report in the attached copy. I am also enclosing a supporting documentation related to the dispute. I request that you investigate this issue and correct any inaccuracies related to the reporting of these accounts.

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

Back in XX/XX/2024, I sent in separate dispute letters to XXXX, Transunion and XXXX. In the month of XX/XX/2024, I made a call to XXXX, Transunion and XXXX not only to opt out of these agencies, but to freeze my credit report also ( Due to prior disputes as well as inaccurate and additional unauthorized transactions reported on my reports ). I also spoke with each of them requesting reinvestigation and removal of all items that are not lawfully validated. I am not too good with how to post these letters I have but I can mail them in if you like me to. And I'm pretty sure you can pull my phone calls up with them, because I definitely made sure that they were recording. They all have sent me copies of my credit reports and I see that the XXXX XXXX ( and inquiry ), XXXX XXXX XXXX XXXX XXXX XXXX ( and inquiry ), XXXX XXXX XXXX XXXX ( inquiry ), and the XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX ( inquiry ) still remaining on my reports without verification nor validation showing from any of them. On XX/XX/2024, I was hung up on by a guy named XXXX and had to call back. I then spoke with a lady named XXXX to dispute again. That confirmation number is XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), legal protection against inaccurate and/or unverified information reported to consumer 's reports is a MUST. Unverifiable accounts is hereby requested to be deleted.
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXXXXXX XXXX XXXX XXXX  / {$9400.00} / XX/XX/2022 XXXX XXXX XXXX {$3200.00} / XX/XX/2022 XXXX / {$1200.00} / XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite sending two dispute letters, via certified mail, regarding two XXXX XXXX XXXX accounts, on XX/XX/XXXX & XX/XX/XXXX and uploading supporting documentation via Experians dispute, showing on time payments deducted from my bank account, Experian continues to state inaccurate late payments that never occurred, are verified. Experians refusal to correct clearly inaccurate information is in violation of federal law, has significantly damaged my credit score and has had significant, unfair and unnecessary financial and emotional repercussions. My credit score has unnecessarily dropped nearly 60 points and I can not acquire needed credit during a catastrophic pandemic. Per FCRA, Experian is required to have a copy of original documentation ( a consumer contract with my signature on it ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). Furthermore, despite two requests via certified mail, Experian has failed to provide the method of verification under 611 ( a ) ( 7 ). Per section 611 ( 5 ) ( A ), Experian is required to promptly delete all information that can not be verified. Please be advised that this is my third request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights, seek relief and recover all monetary damages that I may be entitled to under 616 and section 617 regarding your willful and negligent noncompliance.