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

My account with XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF ED 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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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, XXXX XXXX XXXX, DEPT OF ED 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: Debt collection

My income was garnished by Wakefield and Associates, LLC The response provided to the CFPB stated that the creditor XXXX XXXX, placed an account with Wakefield on XX/XX/XXXX XXXX XXXX, and that an initial notice was sent to me that same day. I have never done business with XXXX XXXX and dispute the debt they claim I allegedly owe. I request validation of the alleged debt is provided by Wakefiled and Associates, LLC. ln addition, I never received the notice they claim they sent on XX/XX/XXXX. An XXXX  judge granted me XXXX XXXX  to continue my XXXX  process in my home country of XXXX. I left the country on XX/XX/XXXX. I was out of the country for three years. I have attached the Department of Homeland Security U.S.

Immigration and Customs Enforcement XXXX XXXX and XXXX XXXX XXXX, and the Homeland Verification of Departure, which validates my departure on XX/XX/XXXX. I did not have a US mailing address or property address during that time. Therefore, the statutes of limitations of the alleged debt had passed in the state of Utah, when my funds were garnished as an initial contact was not made. I was also not sent the Writ of Garnishment, which violated my right to appeal the garnishment and appear in court. I became aware of the garnishment until my income was garnished with my employer. I had to contact my employer for them to send me a copy. I have the email with the date stamp as proof. The garnishment amount was {$1800.00}. Please assist in obtaining the documents that validate the alleged debt was owed under my name. I was never contacted by Wakefield and Associates, LLC, have never done business with XXXX XXXX and the garnishment was in violation of the statute of limitations on debt in the State of Utah. I seek a refund of those funds. I have also contacted the State of Utah Office of the Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Also one of the credit bureaus deleted said the account was deleted then reappeared on my credit.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm reaching out for your assistance regarding the false information being reported on my credit report. This issue has seriously harmed my reputation, and I need your support to resolve it. Your mishandling of my report has left me in a difficult position, and this inaccurate information has ruined my credibility. You need to remove these incorrect details from my credit report.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). It is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

XXXX XXXX XXXX, XXXX XXXX, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

The company was not willing and able to produce any documentation that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Nor did someone within your company provided authenticated documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 


The follow accounts are as follows : Name of Account : Account Number : XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2021 cash app transfers with BofA ( date is day where charges are posted ). Actual transaction dates were on the XXXX, XXXX, and XXXX. People were asking for money on XXXX XXXX or XXXX Pay for services. I sent the money and then never got them back as they blocked me and went offline. Money was never returned and did not receive service either. Disputed them with XXXX XXXX but refunds were declined. After disputing them with Bank of America I got temporary credits but now BofA is starting to ask for the money back on one of the claims and after calling them they say that will likely extend to the remaining claims as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX agreed to remove this account from my personal credit, which is an corporate account due to their technical mistakes which caused me and marked my credit delinquent and dropped my points XXXX points.. Its hard for me to be able to provide for my family because I cant apply for funds or anything.. This has violated me tremendously and if this issue is not resolved I will take things further into civil action..
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I wish to address the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment by those in control is my right, and I request detailed information on their failure to uphold accuracy and compliance. Negative information, regardless of certification, is intolerable. I prioritize factual and truthful details concerning your company and the data related to my credit profile. The discrepancy in the credit report I received is surprising, as adherence to FCRA and relevant Metro 2 data field formatting standards is expected. I challenge you to provide a verified, complete, and true document containing evidence for each claim. Failure to adhere to these standards, as outlined in the XXXX  XXXX, jeopardizes data integrity, a critical matter. I urge you to remove any false accounts promptly to prevent future financial implications. My credit report is of utmost importance, and I insist on factual accuracy, verification, and compliance with regulations. 

Listed below are the Inquiries that are being challenged : XXXX - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The following inquiry was not authorized and should not be reporting Listed below are the Accounts that are being challenged : XXXX - XXXX Please verify that this is accurately reporting on my report. - This account is reporting incorrectly. 

XXXX XXXX - XXXX Please verify that this is accurately reporting on my report. - This account is reporting incorrectly. 

XXXX XXXX XXXX  Please verify that this is accurately reporting on my report. - This account is reporting incorrectly. 

Listed below are the Collections that are being challenged : XXXX - XXXX This is not accurate. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a notification from Experian that my email address has been modified. Following that email I tried to log into my Experian account and received an error message that my log in credentials has changed. 

I've contacted Experian and was not able to resolve this issue. I can no longer get into my account and there is no way to reach a specialist according to their automated system.

Experian I believe are involved or hacked into.
Product: Credit reporting

Hello, I disputed an adverse account listed on my TransUnion Credit report. Of the XXXX credit reports only trans Union shows this. I disputed it as it should not be on my credit report. I enrolled in a free trail membership ant a martial arts Gym and cancelled well within the free trail cancellation window. The Gym gave me a very hard sell but I refused to join. They continued to send me bills even after I had spoken with the head instructor and he agreed to not bill me. TransUnion did not provide any further details about their investigation or why this martial art gym shows up on my credit report as an adverse account. I work very hard to ensure my debts are paid in a timely fashion and this is the only ding on my credit report and it is false. 

Any assistance would be greatly appreciated. 

Thank you for your time.
Product: Checking or savings account

XX/XX/year> I filed a dispute with SoFi bank over the phone with customer service rep for unauthorized transaction for XXXX. 

I responded on XX/XX/year> via email with SoFi dispute agent request for information. I was informed no provincial credit will be issued since dispute was filed as refund or credit not received. XXXX charged my SoFi debit card after canceling order due transaction trigger a fraud alert. Then lock me out of my XXXX account after I confirm it was fraudulent. No charge reversal from merchant happen On XX/XX/year> I filed a complaint with Cfpb. I was told at XXXX merchant hadnt responded and that dispute was on going. Once I submitted the complaint with Cfpb SoFi bank retaliated against me and denied my dispute
Product: Mortgage

I refinanced my mortgage with Provident Funding ( XXXX ). We filled out the requisite paperwork at close including the instructions to establish autopay on our account immediately. Provident claims they did n't receive the paperwork and I received a notice after the first payment was due indicating that our payment was deliquent and that a {$70.00} late fee would be imposed. Provident is refusing to waive the late fee even though the mistake was made either by Provident or the title company they selected to facilitate the close. It is shameful that they are attempting to earn a fee off of incompetence on their end.
Product: Credit card

I have disputed this account through XXXX. & I have disputed directly through capital one. 

XXXX says they cant remove it. Only capital one can. I have provided capital one with a FTC Report. 

They have yet to remove this account. 

I have requested the original contract with my signature for this account, per section 609 of the FCRA, capital one has not responded nor provided me with the information I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit bureaus and the creditor when i founded out about this fraudulent account ( XXXX XXXX XXXX i was advised to get a police report to remove the fraud i did and disputed the information on my report. The account reminded and credit bureaus told me thats the way it is, but no thats not the way it is. I have attached my police report for proof of the fraud.
Product: Debt collection

Credit Systems Intl has added a collection to my credit profile which has severely damaged my credit since I have no collections on my credit report until yesterday. I closely monitor my credit due to identity theft and fraud. They are attempting to collect on a debt from a company called XXXX XXXX. I have disputed this in the past as not belonging to me and the company was unable to validate the debt so it was removed two years ago. Again this debt is not mine and I thought this was established. Furthermore I have received no communication from either Credit Systems or XXXX XXXX prior to to this damaging information being placed on my credit report. No phone call, no letter. No communication once so ever. I was not given my legal right to once again dispute this information and prove I do not owe this bill. This original date of deficiency is in 2011.
Product: Consumer Loan

I have XXXX automobiles financed through World Omni Financial XXXX Southeast Toyota Finance - SETF ). XXXX accounts are showing payments made on time as XXXX days late XXXX. I have contacted XXXX on numerous occasions and while they state I am correct that these payments are not late the customer service representative and supervisor state that I must dispute this with the bureaus as they supposedly have no control over how the bureaus report accounts. They have refused to contact the XXXX credit bureaus to have this corrected and reported accurately even though they admit that the payments were made on time. I would like the late payments removed for XXXX and XXXX XXXX corrected immediately as you can easily see on the statements from SETF, these payments were made on time. Afterwards, I would like all of my payments reviewed and corrected on my credit report. With the most recent obvious errors made by them, I now question the accuracy of all reported late payments. I do know there were a few late payments in either XXXX or XXXX, but not as many as they are reporting. With their refusal to correct the issue on my behalf, I would like to know if they are being truthful in their statement that they can not have the errors corrected. XXXX accounts have been paid through XXXX of XXXX. If there is a way to show these on time payments as well, I would like for those to show as well. I am currently paying for credit reporting services to monitor these accounts closely. If it is found that the lender could have easily corrected these inaccuracies, I would also like to be reimbursed for all costs associated with these errors. Thanks in advance for your assistance.
Product: Student loan

In the summer of XX/XX/year>, I was struggling to find a way to secure funds for school. My dads Ex-Wife, XXXX XXXX XXXX, opened a loan with me, XXXX XXXX as the borrower and my grandmother, XXXX XXXX as the co-signer. Neither XXXX or I consented to having this loan taken out. I had attended school under the assumption my grandmother took out a loan by herself for me, and found out during my freshman year at XXXX XXXX University during the months of XXXX and XXXX.
Product: Vehicle loan or lease

I am attempting to purchase my leased vehicle. My contract says I will pay the residual value plus {$300.00} fee plus sales tax. Nissan XXXX says they do not sell vehicles directly and I must go through a dealer to make the purchase. XXXX Nissan states they charge a {$690.00} doc fee for all purchases including lease buyouts but this is not in my contract.
Product: Student loan

I made my payment for my loans on XX/XX/year> the day they were due. I received a confirmation email as soon as I submitted my payment. On XX/XX/year> I was informed, thorugh email, that my payment was late since they never received it. However checking my banking account I found that the exact amount was taken out but when I checked my Mohela account it says that it is processing.
Product: Money transfer, virtual currency, or money service

PayPal closed my account with a very vague explanation and will not help me with getting it back up and going. On numerous occasions I have called and have been told many different things : If you are just creating a money pool with other bloggers I dont see an issue If there is an issue we will send an email with steps to restore your account to good standing The activity is high risk according to account management and when they take a closer look at your account you will no longer be able to do business with PayPal. This goes for any other accounts with similar information so I advise you to find a different payment method. 

I have not been able to get help from them for months and I want to be able to continue to use their services. I just remembered I could file a report on here as I feel they are not doing their part to resolve this amicably and it is effecting me a great deal as I have used PayPal quite frequently for more than a decade. The email linked to my currently limited PayPal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Number : XXXX XXXX  # XXXX - BALANCE {$5100.00} Account Number : XXXX XXXX  # XXXX  - BALANCE {$5100.00} Account Number : XXXX  # XXXX - BALANCE {$460.00} Account Number : XXXX  # XXXX BALANCE {$3400.00} Account Number : XXXX XXXX # XXXX - BALANCE Account Number : XXXX XXXX # XXXX  - BALANCE Unauthorized Inquiries XXXX XXXX XXXX XXXX  XX/XX/XXXX DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2023 I had did a mobile deposit from a job I did. And for whatever reason I received a letter from Bank of America stating they have closed my account without telling me a reason. when I would try to log in online I can't and it says in big bold letters account locked contact Bank of america. However I already submitted my taxes and had my bank account info registered for a income tax refund that was already in the process. NOW ON XXXX, The irs sent a ACH to my account that's ( supposedly closed ) but they the bank of america accepted my income tax deposit and never told me So every day I'm checking for status of my $ and when I called B of A I was told they didn't reject the money but it's on " ON HOLD PENDING ACCOUNT CLOSURE '' and to call back next week on the XXXX of XXXX to see if my funds can be released. Now why would they take a irs Payment if they closed my account already? And why is my money being put on a hold?
Product: Debt collection

On XXXX received Notice of Levy from XXXX XXXX XXXX and they removed all monies from my bank accounts. {$2400.00} and {$7700.00}. On XXXX they removed another {$1100.00}. I am unable to pay rent or even eat.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft DISCOVER FIN SVCS XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine
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. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My wife 's payroll for the month of XXXX was deposited on to my XXXX  payroll card from her school district, but then was forwarded as a direct deposit to another prepaid card and account that is not ours and we have no access to. We have called a requested the money transferred back on numerous occasions without success.
Product: Credit card

A {$2.00} payment due XXXX XXXX was XXXX day late. A {$40.00} late fee was charged and {$1.00} interest for the {$2.00} balance. I called and was told yes that is correct.