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

Subject : Complaint Against EQUIFAX for Violation of 15 U.S. Code 1681i ( XXXX ) and Failure to XXXX XXXX Account XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its repeated failure to remove inaccurate account information from my credit report following XXXX reinvestigations, which is in violation of 15 U.S. Code 1681i ( XXXX ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, EQUIFAX has failed XXXX comply with the law and has retained the inaccurate account information. 

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within XXXX business days. The repeated failure of EQUIFAX to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( XXXX ) and has caused me financial harm and distress. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that EQUIFAX upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 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.
Product: Credit reporting or other personal consumer reports

My account with Experian 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 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.

Experian 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 card

I already filed a complaint with you to which you responded and the company supposedly responded. 
From CFPB : The company has responded to your complaint. Log in to the Bureaus secure website to review the companys response online. You can also review the companys response by phone with someone. 

Thank you for participating in our complaint process. This complaint is now closed. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card ISSUE Problem with a purchase shown on your statement I tried more than one time and can not log into your website to view this complaint. It now requires me to submit another complaint. I am very unhappy with the CFPB 's help with this matter and with the lack of help and the dishonesty of this evil credit card company. I have told many of their representatives about this fraudulent activity. I told them you must have notes in your computer documenting my calls. I have told them several times I hope you are recording this call for documentation. 
They continue sending letters, statements, billing us for purchases made even after the review and after I requested the account be closed. 
My husband, XXXX XXXX XXXX, died on XX/XX/XXXX. I am his wife, XXXX XXXX XXXX and I have had to deal with this fraudulent activity committed against him from the beginning in XX/XX/XXXX. All of it has been done through Citi or Citibank credit cards. Why do they keep allowing this to continue! I went so far as to ask them to block his social security number to stop this criminal from opening any other cards with my husband 's identity. 
PLEASE HELP ME. Help my husband rest in peace knowing his wife isn't having to continue dealing with this fraud. Citi or Citibank does not care if this is another person or not.
Product: Vehicle loan or lease

I had emergency XXXX XXXX for a XXXX XXXX. I asked for a defered payment. Although no place on the contract is it stated that you have to pay 6 months for deferment, they said thats their policy and when I said I would be late, it was never mentioned that they would repo on first late payment. On top of that they refuse to understand that because my phone is unlisted I can not " Un block '' my number and they do not accept unidentified numbers '' I don't have a cell phone. I have no way to call them and they refuse to set up an arrangement by email. Some also not in the contract. A woman from their legal department belittled and badgered me and said I was " Making excuses '', mind you I have had to pour alot of money into this car and it only ran for 2 weeks since XX/XX/XXXX. The tires even were turned around so I couldn't see the gouges on the side walls of 3 of them, ball joints, control arms, struts, shocks, O2 sensors .... The list goes on and on and the car is an XXXX with very spendy parts. This woman from their legal department wouldn't let me respond to her abuse without threatening not to extend my time until I get my social security comes so they could just take the car I have poured so much money into. She WANTED ME TO BEG. I did because I have to keep the car. She wanted to show me she held all the cards and I do what she says or else. This was my only late payment. She treated me like garbage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached XXXX FTC reports with accounts that are not mine and need to be deleted they are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX for the year 2015. The balance on my credit report should be {$0.00}. The debt cancelled on the XXXX shows {$10000.00} on my credit report it 's almost {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute the following accounts, simply cause they are not mines, I did not cause them, no do I have any knowledge of these frivolous accounts reporting on my credit report. I'm asking that the 3 major credit reporting agencies remove the following unauthorized accounts. 

[ 1 ] XXXX XXXX {$600.00} [ 2 ] XXXX  XXXX {$470.00} [ 3 ] XXXX {$400.00} [ 4 ] XXXX XXXX XXXX XXXX {$4500.00} [ 5 ] XXXX XXXX XXXX XXXX {$3500.00} [ 6 ] XXXX XXXX  XXXX XXXX {$2200.00} [ 7 ] XXXX XXXX XXXX  XXXX {$2100.00} [ 8 ] XXXX XXXX XXXX XXXX {$2000.00} [ 9 ] XXXX XXXX XXXX {$1700.00} [ 10 ] XXXX XXXX XXXX {$1700.00} [ 11 ] XXXX XXXX XXXX {$1300.00} [ 12 ] XXXX XXXX XXXX   {$1000.00} [ 13 ] XXXX XXXX XXXX {$100.00} ]
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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX and Experian for a investigation for XXXX XXXX XXXX  XXXX  and they stated that they investigated and everything was accurate that is Incorrect an i was not given any information showing how they came up with this information. I was not given a signed contract with my name and XXXX XXXX and that is fraud
Product: Credit reporting

Not applied for a credit card was not in town when arrived, can not get on due to questions about mortgage etc. are none of above
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, XXXX, & XXXX Continues To Allow Fraudulent Inquiries On My Credit Profile After I Placed Security Freeze TRANSUNION ALLOWED THE FOLLOWING FRAUDULENT INQUIRES 1 : XXXX - XX/XX/2023 2 : XXXX XXXX XXXX XXXX XXXX XXXX 3 : XXXX XXXX - XX/XX/2023 4 : XXXX XXXX XXXX  - XXXX XXXX 5 : XXXX XXXX XXXX - XX/XX/2023 6 : XXXX XXXX XXXX - XXXX XXXX 7 : XXXX  XXXX - XXXX XXXX 8 : XXXX - XX/XX/2023 9 : XXXX XXXX - XXXX XXXX 10 : XXXX XXXX - XXXX XXXX 11 : XXXX - XXXX XXXX 12 : XXXX  XXXX XXXX XXXX XXXX XXXX 13 : XXXX - XXXX XXXX 14 : XXXX XXXX XXXX XXXX XXXX XXXX 15 : XXXX XXXX - XXXX XXXX 16 : XXXX XXXX - XXXX XXXX 17 : XXXX XXXX - XXXX XXXX ___________________________________________________ XXXX ALLOWED THE FOLLOWING FRAUDULENT INQUIRES 1 : XXXX XXXX - XXXX XXXX 2 : XXXX XXXX XXXX XXXX XXXX 3 : XXXX XXXX XXXX XXXX XXXX 4 : XXXX XXXX XXXX XXXX XXXX XXXX 5 XXXX XXXX XXXX XXXX XXXX 6 : XXXX XXXX XXXX  XXXX XXXX XXXX 7 XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX 8 : XXXX XXXX XXXX XXXX XXXX 9 : XXXX XXXX XXXX XXXX 10 : XXXX XXXX XXXX XXXX XXXX XXXX ____________________________________________________ XXXX ALLOWED THE FOLLOWING FRAUDULENT INQUIRES 1 XXXX XXXX XXXX XXXX - XXXX/XXXXXXXXXXXX 2 : XXXX XXXX XXXX  XXXX XXXX XXXX/XXXXXXXX 3 : XXXX XXXX XXXX - XXXX/XXXX/XXXX 4 : XXXX XXXX XXXX - XXXX/XXXXXXXX 5 : XXXX XXXX - XXXX/XXXXXXXX
Product: Credit reporting or other personal consumer reports

I submitted a complaint against the credit bureaus 60 days ago for failing to conduct a proper investigation into incorrect information being reported on my behalf. 60 days has passed and they still have not completed their investigation and my credit report remains the same. I have contacted both them and the furnishers and have not gotten anything corrected.
Product: Debt collection

National credit adjusters showed up on my credit report. They never contacted me about the debt in any form. They also changed the open date of the account in question. I think it's for a payday loan through speedy cash with an extremely high interest rate, which was already resolved. I reached out to the comapny with no reply. I think it is illegal in virginia for payday loans to have such high interest rates. I don't know why they never tried to contact me before adding this to my report or why they changed the open date from XXXX to XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$1600.00} 15U.S.CODE 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX  antemeridian and before XXXX oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Debt collection

They call daily, multiple times a day. Despite the fact that I have been making regular monthly payments. They want me to pay the balance due, which I do not have the means to do. I have not disputed the debt, nor have I tried to not to pay. I am paying monthly. The representatives are rude and unpleasant for no reason.
Product: Vehicle loan or lease

On XX/XX/XXXX, I assumed a lease with U.S. Bank from an original lessee in MO that originated on XX/XX/XXXX. On XX/XX/XXXX, I was charged for property taxes assessed in the amount of {$1100.00} in the name of the original lessee in MO ; of which I am not the original lessee nor have I ever been a resident of this location. On XX/XX/XXXX, I requested a copy of the original property tax statement, via telephone, showing the taxes assessed in my name. I did not receive a copy of the property tax statement, but I received a copy of the official tax payment receipt eight months later ( printed by U.S. Bank on XX/XX/XXXX ). I contacted the XXXX County MO tax assessor to confirm their property tax laws, of which U.S. Bank did not apply within the Motor Vehicle Lease Assumption Agreement. U.S. Bank should have been attentive to the details of the XXXX County Missouri property tax laws at the time of the lease assumption, informed the original lessee, and noted the forthcoming personal property taxes due from them on the Agreement and as a condition to transfer the lease.

I have spent hours on the phone with U.S. Bank in regards to this issue ( since XX/XX/XXXX ) requesting : the official property tax statement, a property tax dispute, a property tax dispute request letter of submission in writing, a property tax dispute denial letter in writing, and the contact information of the tax department and/or the person who determined the dispute to be denied. Only, to be transferred to every other department but the tax department, having no record of the tax dispute denial letter, refusing to provide bank-based contact information of relevant points of contact, and not returning calls or responding to emails. I still to this day, have not received a tax dispute request letter of submission, a tax dispute denial letter, or the contact information of the point of contact who denied the dispute. 

This property tax dispute has been extremely stressful and unnecessarily time consuming. It has delayed my intentions of getting another vehicle, because of persistently communicating my law abiding argument and my concerns to prevent negative and erroneous credit reporting. As a XXXX veteran, this dispute has affected my health, created a financial burden for transportation to medical appointments, and remains unscrupulously unresolved. As a result of U.S. Banks imposition of predatory lending practices during this dispute, of coercive attempts to accept the responsibility of unlawfully charged and un-owned property taxes, through their actions of deceptive communication including failure to disclose and provide information ; I have contacted legal representation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XXXXXXXX I received XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, for which my insurance company, XXXX XXXX ( XXXX ), settled the debt in full. This is documented with payments made by XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, for {$300.00} and on XX/XX/XXXX, for {$550.00}, as shown in the attached Explanation of Benefits ( EOBs ). 

Phoenix Financial Services ( PFS ) initially contacted me in XXXX claiming that I owed this debt. I was coerced into paying, but after investigating, I found that the debt had already been fully settled by my insurance. I contacted both my insurance company and PFS, and after presenting evidence, PFS refunded me the payment in full. 

Despite this resolution, in XXXX, PFS began contacting me again, claiming I still owed the debt, even though I have already provided proof that the debt was settled. I have attached documentation from my insurance company showing that the debt was paid in full and that no balance is owed. I believe Phoenix Financial Services is attempting to collect on a settled debt, causing undue stress and financial harassment.
Product: Credit reporting or other personal consumer reports

I'm unaware of this debt from XXXX  ive made multiple attempts to try to resolve this issue it has Been removed form XXXX after they took a look a the facts, but the other 2 are not complying with the laws put in place to protect consumers, and I also did not receive proper notification from XXXX. If they believe they have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. '' or please delete
Product: Credit card

I was receiving calls at my work about a past due credit card from Prosper Bank. I kindly ask them to not call my work in XX/XX/XXXX I then submitted a request online to change the phone number to my cell phone. They have continually called me at work, jeopardizing my job. This last call was a person with the name of XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX. I told them they were not to call this number again. I have also attached email correspondance showing I have requested them to stop calling my work.
Product: Checking or savings account

On XX/XX/XXXX I was scheduled to take a XXXX from Texas to California for the price of {$220.00}. However, the bus broke down in Texas and I was stranded for XXXX hours. Customer service was horrible and continued to lie stating a bus break down was never reported and claiming they can't send a bus. The sheriff of the city in Texas ( small town near XXXX ) brought XXXX waters and took us to the bathroom at the rest stop ahead. I was resorted to driving home with a friend after XXXX hours of waiting. I have proof of gas receipts I paid my friend and other receipts on XXXX XXXX. I disputed the charge with Bank of America, but they disputed my claim although XXXX simply sent a long list of the booking ticket without acknowledging the bus breakdown or delay in anyway. XXXX also denied me reaching out which I have several emails and call logs as proof. I also have cashapp receipts from XXXX friends that helped me with a meal and gas money.