23daVinci/CFPB_Complaints huggingface dataset:
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. 


XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX in XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$19000.00} XXXX XXXX XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$500.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$4100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3300.00} exp XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX Experian
Product: Prepaid card

XX/XX/2023, is the date I put {$50.00} on an AMEX prepaid card. I attempted to use this card on a number of online businesses that I was advised to utilize by the internet and customer support. I am verydisappointed with the information I received because I was unable to use it for anything. I've tried a lot of websites, including XXXX XXXX and XXXX, but all I get is " cardinvalid. '' WhenI called assistance a second time, I was informed that, contrary to what was stated in the fine print, I was not allowed to use the card for online purchases.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXwas never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX 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 the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused XXXX XXXX to my reputation, my character, my mode of living and to my XXXX 

I demand the late payment reported on those accounts to be removed. 

They are not in compliance with the following law. XXXX5 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.

CAPITAL ONE, ELAN FIN, COBALT JPMCB CARD 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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute Regarding Error on Credit Report and Violation of Rights Dear Equifax Customer Service, I am writing to formally dispute an error on my credit report and to address related concerns regarding potential violations of my rights under the Fair Credit Reporting Act ( FCRA ) and other civil rights legislation. 
Upon reviewing my credit report, I noted a significant and unexplained drop in my credit score on XX/XX/year>, specifically an XXXX-point decrease. This abrupt change appears to be linked to inaccuracies in my credit reporting, which I believe are influenced by discriminatory reporting practices based on my XXXX identity. As an individual of XXXX XXXXspecifically, XXXX and XXXX AmericanI am concerned that the reporting inaccuracies I have encountered may reflect broader systemic issues within your reporting framework that violate my civil rights. 

Under the FCRA, I am entitled to accurate and fair credit reporting. The discrepancies in my report not only undermine my financial standing but also raise serious concerns about the integrity of your reporting practices, especially if my XXXX  and XXXX  background has negatively impacted the way my financial history is portrayed. Discrimination based on race, color, or national origin is not only unlawful but also fundamentally violates my rights as a consumer. Also, my credit went down XXXX points, and I have not purchased a car or home at all. Someone deliberately is damaging my credit. I ask that this file be deleted immediately. 
I request that you investigate this matter promptly and provide me with a written response detailing your findings. Please ensure that all inaccuracies in my credit report are corrected in accordance with the guidelines set forth by the FCRA. Furthermore, I urge your office to review your internal policies and practices related to credit reporting to ensure compliance with civil rights protection laws established by the Department of Justice. 

I appreciate your immediate attention to this serious matter. Please confirm receipt of this letter, and I look forward to your prompt response. Should you require any additional information, do not hesitate to reach out via the contact information provided above. 
Thank you for your assistance in resolving this issue. 
Respectfully, XXXX XXXX XXXX XXXX XXXX Enclosure Equifax FCC
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy, XXXX XXXX filed in XX/XX/XXXX. Was officially discharged on XX/XX/XXXX in XXXX court, NJ XXXX and represented by attorney XXXX XXXX, phone # XXXX. Bankruptcy was related to medical and economic issues. Since then, Ive worked hard to rebuild my credit and Fico score. As of XX/XX/XXXX my fico score was XXXX. Today, my fico score notification was XXXX due to a report undate from one of my credit cards, ( XXXX ) who uses experian for updates. Report today, XX/XX/XXXX dropped XXXX points from XXXX to now XXXX due to reporting of 1 recently 30 day late payment on my credit report. Im not late on any of my creditors. Ive re checked all my credit card and all have Never been late. Further investigation I learned that Experian is reporting a creditor, XXXX XXXX XXXX, with a balance of {$9200.00} as of XX/XX/XXXX that also reads past due, as of XX/XX/XXXX. This account was included in bankruptcy in XXXX and XXXX and XXXX both reported this account as included in bankruptcy, which is accurate. But Experian refuses to update this correction on the my Experian credit report even though I already filed a complaint thur there company on line. They state they confirmed the account is accurate and remains unchanged on their account with my information. This is outrageous and false reporting by Experian especially when XXXX and XXXX are reporting this account correctly and discharged in XXXX bankruptcy. This continuation of Experian reporting this account thats been closed, included in XXXX bankruptcy as open and up to date as of XX/XX/XXXX is now affecting my fico score enormously, hurting my credit and fico score from XXXX to now XXXX with this fraudulent, false reporting of me being 30 days late on my experian credit report that is now being viewed by my open credit cards and creditors, making me look like a high risk. This continued fraudulent, false and inaccurate reporting by Experian as to this account being open and late is now affecting my good credit, causing me to pay higher interest, being denied credit increase request and causing me to pay higher car insurance rates as to this poor Fico score of XXXX. This dropping of my fico score today by XXXX points, from XXXX to now XXXX is a direct result of Experians negligence to properly update, investigate and report accurately what I tried to dispute with them but they refused to correct to date. Please see attached documents as to the account in question, XXXX reporting this account included in XXXX bankruptcy, Experian reporting of continuing false reporting of updated as of XX/XX/XXXX which is False and inaccurate information, and bankruptcy reporting information to such. Im respectfully asking for your assistance as Ive exhausted all avenues to remedy with Experian but can not do anything more but to write complaint to you. This is destroying my good credit, which just a few days ago was XXXX Fico score to now XXXX as a direct result of Experians failure to properly resolve. Please help
Product: Student loan

I 've been making payments since 2006 and the interest and amount do not decrease. I ca n't afford the payments and my living situation. Usually I 'm late with my federal loans and struggle with my private loans as well. I pay as much as a car payment each month with federal and private loans and to top of off I 'm paying for a degree that I did n't get. I have my XXXX in XXXX and attempted to obtain my XXXX but I was only capable of starting a class. And had to drop out due to financial hardship. But I 'm still paying for the XXXX degree. I ca n't transfer any of my credits to a XXXX college either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported on my credit report that my XXXX XXXX balance is {$380.00} reported by XXXX XXXX on XX/XX/22, however XXXX XXXX said they report each month on the XXXX and the balance reported on the XX/XX/22 was {$110.00}. Why are these credit bureaus allowed to report wrong information that affects us? The credit card balances are 35 % of our XXXX score which in turns damages our ability to buy a home, car, loans etc. The employees are incompetent they can not answer questions, most I spoke with can barely speak English. This is unfair to American citizens that pay taxes in this country.
Product: Credit reporting, credit repair services, or other personal consumer reports

DOB incorrect in Record as of XX/XX/2019 Request investigation to tell me HOW the error occurred. Once a SSN is issued and connected with a DOB those two fields should never change. Your name may change, addresses may change but you will never be born again physically. Equifax insists th

at I fax proof of identity to correct the record, exposing my Driver 's License and SSN card again. Their assertion that a data provider pushed a DOB to my record ( my Dad 's DOB ) and that Equifax is not responsible is absurd. That field should not be allowed to be changed by any data reporting provider and certainly not by a simple name match.I am a " Jr '' and am told this happens quite frequently with JR,!!,!!!, etc. It should NOT! Ever. Then to put the burden on a citizen to prove themselves rather to checking for the Equifax error only adds insult to injury.

Both other credit bureaus XXXX and XXXX  have the correct DOB on my record today. I really hope that this misinformation does not corrupt their record as well.
Product: Debt collection

I was out of the state due to my work schedule and recently discovered a lawsuit against me regarding a long-ago credit card debt that i believed I had already settled. Unfortunately, because I was away, I wasn't able to check my mailbox regularly, It's only now that I've found a letter dated XX/XX/XXXX from XXXX XXXX XXXX, attempting to collect on this debt, which I don't even remember having it dated back to XXXX. I was surprised to learn that this collector has proceeded to sue me without me ever having received their initial correspondence. I feel that I was being sued unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX XXXX I am having a problem with XXXX bank posting a debt on my credit report that doesn't belong to me. I had my identity compromised on the dark web back in 2017 where there was a breach and due to this breach this account was opened up under my name in which I didn't find out about it until it was too late. I will provide the documentation below and the FTC complaint # is XXXX.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that the creditor mentioned have violated my rights. 

XXXX XXXX XXXX Account Number : XXXX Pursuant to 15 US 1681 section 602 states I have the right to privacy.

15 US 1681 section 604 2b states consumer reporting agency can not furnish account without written instructions.

15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Product: Credit reporting

i opened an account with XXXX XXXX in XX/XX/XXXX and the account was closed on XX/XX/XXXX.This is a negative account that has been on my report for 9yrs now.I ordered my report on XX/XX/XXXX.I received on or about XX/XX/XXXX.As i was reveiwing my report, it appears that this account has been re-aged.The ( DOFD ) " date of first deliquency '' shows XX/XX/XXXX when in fact the original first delinquency is XX/XX/XXXX.I do have supporting documents and a complete payment history on this account from XXXX XXXX supporting this fact.Under the per FCRA, this is a very serious violation.My EXPERIAN report DOES NOT state when this item will be removed XXXX
Product: Credit reporting or other personal consumer reports

I respectfully ask that you rectify my credit report by removing the public record currently shown.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS CONCERNS MY FINANCIAL LIVELIHOOD, AS XXXX, XXXX, AND TRANSUNION ARE OUT OF COMPLIANCE WITH THE FEDERAL CARES ACT. 

IT IS EVIDENT FROM MY CREDIT HISTORY THAT I PAY ALL MY OBLIGATIONS ON TIME. SUDDENLY, IN THE MONTH OF XXXX, DEFAULT BEGAN DUE TO ILLNESS WITH XXXX. PLEASE SEE PROOF OF POSITIVE ILLNESS ATTACHED. UNFORTUNATELY, MY RECOVERY TOOK MONTHS, LEAVING ME OUT OF WORK FROM XX/XX/XXXX XX/XX/XXXX. 

THE CARES ACT, WHICH WAS SIGNED INTO LAW ON XX/XX/XXXX, ACT AMENDS THE FAIR CREDIT REPORTING ACT ( FCRA ) TO STOP ADVERSE CREDIT REPORTING DURING THE COVID-19 CRISIS, ( SEE 15 U.S.C. 1681S-2 ( A ) ( 1 ) ( F ).

RATHER THAN WORKING WITH ME AND COMPLYING WITH THE RECENT FEDERAL LAW WHICH SPECIFICALLY SATES, THE FURNISHER MUST REPORT YOUR ACCOUNT AS CURRENT TO THE CREDIT REPORTING AGENCIES, SO LONG AS YOU WEREN'T ALREADY DELINQUENT ON PAYMENTS RADICAL AND HARSH DELINQUENT REPORTING BEGAN. SABOTAGING MY HARD WORK AND FINANCIAL STANDING IN THE BANKING/FINANCIAL COMMUNITY. 

I WOULD LIKE FOR ALL NEGATIVE MONTHS CURRENTLY REFLECTED ON MY CREDIT REPORT BY THIS INSTITUTION TO BE CORRECTED TO EACH OF THE THREE CREDIT REPORTING AGENCIES. EVERY NEGATIVE MONTH REPORTED SHOULD REFLECT * ( NO DATA ) * OR * ( ND ) * FOR EACH MONTH A PAYMENT UNDER THE CARES FCRA WAS UNACCOUNTED FOR, DUE TO JOB LOSS FROM MY BATTLE WITH XXXX WHICH NEARLY TOOK MY LIFE. 

I AM BACK IN THE GAME AND I AM ATTEMPTING TO REMEDY THE SITUATION AS I AM IN GOOD HEALTH AND NOW HAVE A STABLE EMPLOYMENT. DURING THE GLOBAL PANDEMIC, LIFE WAS UNCERTAIN, BUT I CAN NOW RETURN TO PREDICTABILITY AND FULFILLMENT OF MY OBLIGATIONS TO EACH FURNISHER/CREDITOR.
Product: Credit card or prepaid card

Got Chase Slate card and submitted balance transfer requestXX/XX/XXXX in the amount of {$13000.00}, money deducted from my account XX/XX/XXXX. I then called and confirmed it was successfully processed and they mailed out a check on XX/XX/XXXX.
2 weeks later, no check was received. I was concerned and i called again, they told me it takes anywhere from 14 to 21 business days. There 's nothing they could do. I had to wait. Then another week gone by, still nothing. I call again, same answer, i had to wait ... meanwhile my statement came out already and due onXX/XX/XXXX.
XX/XX/XXXX, finally 21 business days from time of request passed, i called them again. They told me the time frame started from time check was cut, which was XX/XX/XXXX. So wait till XX/XX/XXXX and see what happened.
Back and forth, no answer as to what happened. Then yesterday a manager i spoke to told me XXXX XXXX  rejected the payment and refunded my account electronically. The question is how would XXXX XXXX refund maker electronically when payment was never posted to the account? They have no records of such payment or transaction. The original payment was a paper check going to a local branch in XXXX with teller service. The branch does not have a way of electronically rejecting the payment. If they were to reject it or do n't know what to do with the check, they will mail the original check back to the sender.
Everything they told me contradict each other. One rep told me they are waiting for the check to be returned and another one told me it was electronically rejected or refunded by XXXX XXXX Very suspicious and they are definitely trying to hide something. They claimed the balance transfer is from credit card to credit card only, but their disclosures dont stay that. They try to use that against me and refuse to give me the money.
They did not credit me back until XX/XX/XXXX and i only saw that yesterday. But they adjusted the transaction date back to XX/XX/XXXX.
I suffer huge financial loss and emotional stress bec of this. I am awaiting for them to send me proof of everything.
Product: Debt collection

The phone number calls me at least XXXX times a day everyday, then starts to call me from a different phone number right after the XXXX call. They never leave message. XXXX call is always around XXXX and I get calls all through out the day with NEVER any message. When I look up the number it says it is a collection agency CBE Group.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisnexis is incorrect reporting one NOT AT FAULT ( Not my fault ) accident occurred on XX/XX/2020 as XXXX AT FAULT accidents causing bodily injuries. 
This has lead to me paying thousands extra in insurance coverage because I most insurance agencies refuses to insure me. 
I contacted them and they explained a convoluted process that could take months to fix. 
This information is FALSE and is not reflected in my driving record nor by my insurance company that Lexisnexis claimed the information came from. 
This should be criminal.
Product: Payday loan, title loan, or personal loan

Recently my family have been faced with unavoidable documented finacial hardships. My Wife "  XXXX XXXX '' and I, informed iloan of our finicial hardship. We ask iloan to work with us and informed iloan of our goal to avoid XXXX XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need iloan to work out new repayment terms. We were unable to to Pay the Current excessive interest rate on our loan and we were unable to Pay current excessive monthly payment.. 


I also let XXXX  know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate and loan origination fees. 
iloan has also threatened to sue me and refused to work with me. 
I have not recieved a default letter by mail nor e-mail iloan refused to work with us in regards to our documented finacial hardship and telling us we will be sued for if we do not pay on current loan terms. 

iloan is refusing to work out an affordable repayment plan so I can avoid XXXX XXXX XXXX by lowering my interestrate and montly payments. 
I feel taken advantage of by iloan I feel iloan took advantage of a Veteran who had a credit score of XXXX when I was provided an excessive interest rate and loan origination fee 's on my loan and with excessive montly payments on a {$2500.00} loan. 

I will add I was never sent a default letter my email nor by mail, iloan is forcing me into XXXX XXXX bankruptcy by refusing work out a repayment plan.
Product: Checking or savings account

On XX/XX/XXXX I had fraudulent charges in my checking account with Huntington bank. There was 4 charges that were pending, but I was able to call a hotel and get that charge reversed on my own. The remaining 3 charges were reported to the fraud department and they gave me provisional credits for all fraudulent charges that were pending, except 1. It is now a month later and the bank is still giving me the runaround as to why they did not credit my account with the remaining {$150.00}. I have called at least 5 times, and physically stopped in to my bank. No further information has been given to me, and they keep telling me to call back after 1 weeks time when I I call them.
Product: Debt collection

am writing to file a formal complaint against [ Credit Bureau Name ] regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

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 15 U.S. Code 1666b - XXXX XXXX XXXX XXXX XXXX XXXX 2 : AARGON AGENCY INC-,XXXXXXXX, not my debt I have requested detailed explanations and evidence of the verification process from the credit bureau XXXX but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. 
I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. 
Thank you for your assistance in resolving this matter.