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

XXXX, XXXX XXXX & Equifax are reporting late payments on the account listed as XXXX XXXX  Account # XXXX these late payments are affecting my credit score and they have not been validated as accurate and credit card payments can not be treated as late payments. XXXX is reporting late payments XX/XX/XXXX and XX/XX/XXXX. XXXX lists late payments XX/XX/XXXX and XX/XX/XXXX. Equifax XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX these payments do not match up so this account has not been validated. 

( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit card

I am an account holder with Self Financial. I have their Self Visa card, I have been a account holder since XXXX I pay my bill on time every month the full entire balance. I am aware of my pay due date and I am aware that late fees will accrue if I am late, My pay date has changed as soon I found out that my pay date has changed I notified Self financial that I will be late by a day or two when I explained to them that I will be late paying by one to two days. I was told that since it would be delayed by one to two days I would not accrue any interest or late fee. I am still paying my monthly bill in full and I am being charged a interest fee because I am late by one day.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found inaccuracy. The 3credit bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to disregard the validation of this reporting account as unverified information without providing any proof within the legally mandated timeframe. The following account must be investigated and corrected for erroneous reporting in my file, as listed on my credit report : XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit reporting

I phoned Experian on XXXX XXXX to have them fix incorrect addresses on my credit report. 
There is only one correct address that should be reporting and that is XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXThey did not allow me to open a dispute of wrong information being reported on my credit report. 

The F.C.R.A deems me the right to dispute incomplete or inaccurate information on my report. Credit reporting agencies must delete inaccurate, incomplete or unverifiable information. My creditors have reported my address as XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXThis is the only verifiable and true address. All other unverifiable information must be deleted according to the F.C.R.A. False information has been used in identity theft of myself in the past. I work hard to keep that from happening again. In light of all the repeated data breaches I would expect a Credit Reporting Agency to be at the forefront of protecting consumers personal information and make it more difficult for thieves by only reporting accurate info.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$40.00} ( XXXX My social security number has been compromised and is being used as collateral by XXXX XXXX XXXX and XXXX XXXX XXXX please help me by deleting this negative item off my credit in accordance with FCRA 15 U.S.C 1681 Section 602 A states I have the right to privacy and if breached I have the right to have all negative items removed
Product: Credit reporting

There is a company named XXXX XXXX XXXX on my Trans Union Credit bureau several times and have not received any results and remains on my credit report. I filed a complaint with CFPB on XXXX/XXXX/2016 case # XXXX and with XXXX on XXXX/XXXX/2016 case # XXXX, and XXXX states the company will not reply. XXXX Concepts is a scam company or not legitimate company. I have spent months investigating this company and it appears the FBI and FTC are as well. My problem is that I have submitted several documents to Trans Union asking for a detailed verification, and provided the company with information supporting my dispute and how this company is not legitimate and it remains on my credit report. I work for the IRS and part of there investigation is a background check with your credit report. This account remains on there and needs to be removed. I personally have exhausted my efforts so I am retaining a attorney that specializes in suing for FCRA credit reportings that are not valid. I am notify this organization so you will be aware that Trans Union is not following the laws that are in place to protect the consumer. The collection agency XXXX XXXX is still harassing me with calls and is still reporting on my credit bureau. Where is the justice? How can a company that is fraudulent report on peoples credit report and there is a investigation on trying to find this company and while this is happening this account is still reporting on my Trans Union credit report and nothing has been done to fix this error. Here is a list of what I have done so XXXX Mailed XXXX Trans Union XXXX XXXX dispute letter XXXX Filed compliant with CFPB XXXX Filed complaint with XXXX XXXX Certified mail XXXX and Trans Union ( letter included did not respond to compliant and supporting documents for collection agency XXXX concepts ) XX/XX/XXXX-Certified mail XXXX dispute XX/XX/XXXXCertified mail Trans Union and XXXX Concepts XXXX-Filed compliant XXXX, CFPB, FBI, Texas XXXX 
XXXX-Filed a compliant with XXXX on Trans Union not complying with FCRA XXXX Filed a compliant with CFPB on Trans Union not complying with FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, and ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Debt collection

1. XXXX XXXX XXXX XX/XX/XXXX {$1100.00} {$240.00} {$35.00} {$100.00} XXXX XXXXThis balance needs to be removed from my credit report. My insurance covered it. 


2. Professional Placement Solutions XXXX XXXX {$680.00} {$600.00} XXXX XXXX This balance needs to be removed from my credit report. My insurance covered it. 


XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX This balance is inaccurate and it needs to be removed. 
{$660.00}. 



They called every other day with threatening phone calls. In accordance with the Fair Credit Reporting Act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit card

Re : Capital One Quicksilver XXXX XXXX After my 0 % interest introductory offer expired in XXXX, I spoke with a capital one agent who stated the only thing that would stop me from getting any more monthly interest fees is if I pay off my balance. I saw that my interest fees were added to my account on the XXXX XXXX XXXX XXXX on the last two months, so I made sure to pay off my entire XXXX balance before a new interest fee was added, and paid {$7400.00} on XX/XX/year>. After the balance was paid off I saw my balance online with Capital One as {$0.00}, and received email confirmation my payment posted. A week after I paid it off, I received a balance alert that a new interest fee was added for {$120.00}. I figured it was an error on their end, so I called and spoke with another agent who said it was because I didn't pay off my balance at the right time of their billing cycle so a new fee was added. He also said I will keep getting a monthly interest fee if the XXXX wasn't paid in full. I decided to close my account online to stop any additional fees while I work on disputing the charge and although Capital One 's automated system on my phone says that my account is closed, I received no email or online confirmation that my account is closed which has me nervous that they have kept it open so they can keep tacking on fees. Today I spoke with another agent and asked to do a complaint, and was transferred to her supervisor. The supervisor told me that I should have asked the agent for a payoff quote before I paid off my balance. I told her the agent never said anything about a " payoff '', only to pay the full balance. I also informed her I closed my account this morning, which she did not dispute. I asked her if she could waive this balance of XXXX because I wasn't instructed properly by their customer service and she said she couldn't.
Product: Checking or savings account

XXXX   XXXX ,    2017, I we nt to the Santander branch to close my account. I withdrew my entire balance and requested the account be closed. The teller told me it was closed. I checked online and the account is still open. I sent an email on  XXXX   XXXX ,  2017 as king why the account was not closed. As of  XXXX   XXXX ,    2017, n o response. I sent another email asking if they are going to respond to me. On  XXXX   XXXX ,    2017, I  sent another email and told them I would be making a complaint with whatever agency was appropriate. I finally got a response after that at  XXXX   XXXX  ( 5 days after my initial request ). They told me they did not have my account information and to call them. I replied and gave them my account number as well as a phone number to reach me at. I also told them I would not call them as they have done nothing but lie to me during previous calls about other matters - which is why I cancelled the account. Also, I spent much time at the branch closing my account in person and I would not spend more hours on hold which has occurred every time I have contacted them. Since  XXXX   XXXX , I have sen t 5 m ore emails daily requesting a response and they have refused to respond to me.     Santander Bank refuses to close my account and presumably intends to charge me a service fee in  XXXX .     I want my account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I wrote to you requesting an investigation into items that I believed were INNACCURATE, OUTDATED AND OBSOLETE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
I request to be provided proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Please be advised that I have received a computer-generated letter stating that they have ceased investigation of my credit reports because, in their opinion, they believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on their part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

Additionally there is NO law that states a consumer can not use a third party, so using that as their excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
This is a formal complaint that you are reporting inaccurate and incomplete credit information. Per Wenger v. XXXX XXXX Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), theymay be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under 15 U.S. Code 1692g. Validation of debts I request that this Non-Creditor validate this debt by providing proof of this alleged item.
Product: Debt collection

I mailed a debt validation correspondence letter to National Credit Adjusters on XX/XX/2021 and have not received a response regarding this debt. I also sent a a investigation letter to the credit Bureaus on XX/XX/2021. As of XX/XX/2021, I still have not had a response from the following credit bureaus regarding my dispute : XXXX XXXX or XXXX
Product: Credit reporting

Once again, Equifax is not allowing me to access my free annual credit report. 
In addition, I am unable to 'unfreeze ' my credit with them, getting a " We are currently unable to service your request. Please try again later. '' message.
Product: Vehicle loan or lease

My credit has been stolen. I have placed a freeze on my credit and have an open police case in XXXX XXXX California. I see a New unauthorized Loan on my Chase account. 

Account : XXXX Amount : {$44000.00} Vehicle : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a prior complaint with CFPB against XXXX due to its 39-state settlement with attorney generals on XX/XX/XXXX for predatory lending practices because I was also a victim of predatory lending practice by its predecessor ; I was not informed of an income-based repayment program for my student loan. XXXX responded to my CFPB complaint by stating it placed this account on a hold due to another lawsuit involving bankruptcy by other plaintiffs. XXXX did not include when it placed the account on hold, why there was no notice sent to me about this hold prior to my CFPB complaint. XXXX also did not acknowledge that there has been no payment on this account for more than 14 years. XXXX stated that the account was not in default and that was a part of the 39-stated settlement. I have not received notices of any kind from Navient ( billing or otherwise ) prior to filing a CFPB complaint in XX/XX/XXXX. In fact, I have not received any monthly bills for over 14 years. I noticed that XXXX had put the account in deferment in XXXX, based on my credit report, but I had not received any communication from XXXX. Even after XXXX responded to my CFPB complaint in XX/XX/XXXX, it had not sent me any billing notices or informed me when the hold from the plaintiffs lawsuit would be lifted. Now, XXXX has reported this account 60 days late to the credit bureaus. This is unspeakable financial trauma that XXXX has been inflicting on me and my family for over 20 years. Backstory : In XXXX of XXXX, I attended 2 classes for a computer course in New York, but I was put on bedrest by my doctor in XXXX of XXXX due to a medical complication with my pregnancy ; my daughter was born in the month of XX/XX/XXXX. I contacted the school and tried to reach a resolution since I could not continue with the course for medical reasons but was not able to reach an amicable agreement. It should be noted that I was not informed of an income-based repayment program by XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and yet the account was placed in a forbearance payment plan. I received a bill months after my daughter was born for {$10000.00} ; XXXX took ownership of the account, has not sent me billing notices for over 14 years, continues to report the account to the credit bureau, and now has the account in a 60 late payment status with the credit bureaus. I understand that this company has attorneys at its disposable ; however, consumers have rights, and they should not be disregarded ; there are more consumers than profitable/predatory student loan corporations. I have filed a complaint with the DOJ in New York and California. I understand that this will give XXXX a heads up and they may attempt to thwart the history of this account on its books; but I am prepared to obtain legal representation, alert various media contacts, and research others who have been harmed by this particular practice of hiding accounts in deferment to obfuscate the 39-state lawsuit.
Product: Credit card or prepaid card

In XX/XX/XXXX I received an offer from American Express and Delta that if I obtained the gold delta skymiles credit card and use {$3000.00} dollars in the first three months I would receive XXXX miles. I got the card on XX/XX/XXXX and started to use it. By XX/XX/XXXX I had completed the {$3000.00} dollars. I called soon after as I had not gotten the miles and they explained that it would take 6-8 weeks. After 8 weeks I called and they said it was going to be 10 weeks ( the maximum in the contract I got with the credit card ). Last time I called was XX/XX/XXXX ( more than 10 weeks after ) and they said the would open an investigation and to call delta. So I called delta and they said basically to talk to AMEX. It is now 6 months since the card opened, and 4 months after the requirement met and I have not yet been contacted or received the miles. I chatted with the people in AMEX and they said the investigation is open. I got this credit card because I planned traveling for XX/XX/XXXX, which was cancelled due to the lack of miles. Now we are in need of another trip in XX/XX/XXXX, and the tickets are extremely expensive and will leave me with little money. The company has breached contract and will offer no type of compensation. Their responses have been vague and not satisfactory.
Product: Credit card or prepaid card

XXXX has been charging me XXXXmo for something I have tried to cancel multiple times and can not talk to a person or sign in online. I continue to dispute these charges and chase continues to credit my account but XXXX will not stop charging my account.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EQUIFAXNever Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Had a customer purchase a product and pay through PayPal. Because of a tax levy notification back in XXXX they placed a hold on my account. This levy has been released since XXXX of XXXX. Paypal as refused to withdraw the hold they have on my account so I can access the funds from my customer. We have had multiple conversations with myself and the representative of the CDFTA notifying that there is no current levy. PayPal has refused to communicate back with me regarding this and keep saying they need letter from the CDFTA stating there is no more levy. Letters were submitted on XX/XX/XXXX and now it is XX/XX/XXXX and PayPal is stating letters still haven't been submitted. Every time I speak with PayPal I get different answers.