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

My account with 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 those account 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 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: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I requested validation for this account and Representative started getting loud and aggressive and did not provide validation of this account. 

Please see Attachment
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I am writing to file a formal complaint against XXXX XXXX for inaccurately reporting late payments on my credit report ( Account # XXXX ) in XX/XX/XXXX and XX/XX/XXXX. There are XXXX of the same credit cards reporting on my credit that are both inaccurate. Both reporting late payments that dont align with either account. See screenshots of the credit bureau blatant error. Given XXXX XXXX 's track record of negligence in handling similar cases, I demand the immediate removal of the inaccurate late payment information from my credit report. I also request a valid explanation for the errors. If corrective action is not taken within 30 days, I will explore legal options, including seeking damages in small claims court. I expect prompt investigation and enforcement action by the Consumer Financial Protection Bureau. Thank you for your attention to this matter.
Product: Debt collection

This Collection agency Weber & Associates continue to refuse to validate the debt claimed to be owed to them and have also violated the FDCPA Section 807 ( 8 ) I have proof they did not validate the debt. They also violated and failed to communicate the debt was disputed within 30 days of receiving my letter to do so. They even sent a latter which validates they did not adhere to the FDCPA policy within the allowed timeframe per the date they received my first request which was XX/XX/18. Please see the return receipt ( s ) for reference.
Product: Credit reporting, credit repair services, 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 ACCOUNT # XXXX * XXXX XXXX XXXX # XXXX * XXXX XXXX XXXX # XXXX * XXXX XXXX XXXX # XXXX * XXXX XXXX XXXX # XXXX * XXXX XXXX XXXX XXXX ACCOUNT # XXXX * XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX * XXXX ACCOUNT # XXXX * XXXX ACCOUNT # XXXX * XXXX XXXX XXXX  # XXXX * XXXX XXXX # XXXX * XXXX  ACCOUNT # XXXX * XXXX ACCOUNT # XXXX * XXXX XXXX XXXX ACCOUNT # XXXX * XXXX XXXX ACCOUNT # XXXX * XXXX XXXX  ACCOUNT # XXXX * XXXX ACCOUNT # XXXX * XXXX XXXX # XXXX THESE ( 19 ) ACCOUNTS 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 : 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 reporting or other personal consumer reports

Upon carefully reviewing my credit report, I identified several errors. The late payments listed are inconsistent with my reliable payment history. Please correct these inaccuracies and make the necessary updates to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been paid as of XX/XX/22. 

The account is still showing on my credit report.
Product: Mortgage

The company changed my product with out notice. I called several times to the second mortgage department on to be directed to another department that I challenge them to show me in my loan note. I even went into the XXXX branch to change my phone and asked I was told continue making my payment and they would fix it now they are showing three late payments for XXXX dollars with no communication via text. They direct YOU to the on-line banking and you CAN NOT Pay less then the minume payment is the system will not allow it and they will not remove the late date.
Product: Checking or savings account

I received a Fifth Third Bank promotion to open a checking or savings account with the following rules to qualify on the offer I received for the checking account : 1. To  receive the {$250.00} promotion, customer must open a new 5/3 checking account, reach a balance of {$250.00} within 45 days of the account opening and maintain the balance for 45 days from the date of the balance required is reached. 

When I took my son in this morning to open his first checking account ( XX/XX/XXXX ) the personal banker told me that I also have to sustain a {$1500.00} balance between checking and savings. Nowhere on the promotional card I have does it say this. When I pointed that out to the banker and said this is a lure to get people in the door, she said yes it is! 

I still have the promotion card with the offer code XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # Account Number : XXXX Charged Off XX/XX/XXXX. 
Sold Off to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Settled in Full with XXXX XXXX on XX/XX/XXXX. Representative that assisted me was named XXXX at XXXX. 
Settlement was with the agreement for XXXX/XXXX to be deleted from my credit report. However 9 months later they have not deleted XXXX from my report and now say there is nothing they can do. 
My complaint is that deceptive tactics were used to collect money from me at the time of my settlement with XXXX. XXXX XXXX or XXXX XXXX XXXX was deleted and XXXX/XXXX remains on my credit reports. I followed up with XXXX or XXXX and they say they have done their part and deleted XXXX but that there is nothing that can be done with the original creditor XXXX/XXXX   which is not what we had agreed to when they took my money or collected. I feel that clearer expectations should have been made prior to collecting on the debt. I was told that XXXX/XXXX would be removed as part of our agreement. 

Also, Spoke to a Experian representative about inaccurate balance history and the Experian representative said that performing a dispute would be a waste of time for the creditor and that if they did not respond that nothing could be done about the inaccurate balance reporting. The representative specifically said that XXXX has control over the reporting and there is nothing they can do. ( even if I provide evidence to them ) Credit Bureau Experian insists on retaining incorrect balance information even with no response from back from XXXX/XXXX. They summarize their investigation with " Purchased by another lender. '' Meanwhile XXXX the lender who purchased the account insists that there is nothing they can do about the reporting despite our pay for deletion request and despite incorrect balance reporting. I am stuck between a rock and a hard place with neither XXXX delivering on their promise or Experian willing to address the mistakes in reporting despite a clear letter sent from XXXX to me. 

XXXX mailed me a statement indicating that my final balance should reflect {$1700.00} meanwhile Experian continues to report that the account was charged off with a balance of {$1900.00} written off. ( attached a document of XXXX XXXX   validation statement ) which was mailed to me at some point in XXXX. 
This is the investigation summary from Experian : Report Number : XXXX Date Generated : XX/XX/XXXX Recently Closed Dispute with Experian. 
Comments from Experian Completed investigation of FCRA dispute - consumer disagrees. 

Purchased by another lender. 

Reinvestigation Information This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Mortgage

I have been trying to pay my monthly mortgage payment for over week and the website has been down for for almost ten days. The website that I am using is " loancare.com '' and no one in the company is helping out and no one is addressing this issue. I went to XXXX and I found out that there might have been a hacker in the system and that now all of our personal information might be compromised. No one in the company is saying anything, no emails, no phone calls, no messages, no information about anything and my monthly payment is still due right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out, mailed, called FED-retail along with the Credit bureaus XXXX XXXX Equifax XXXX XXXX XXXX to remove all late payment. As I was never late on a payment. Nor did I give them permission to share any of this information with anyone! They are in direct violation of the credit laws listed below. 

15 US CODE 1681 ( a ) ( 4 ) Consumers right to privacy. I did not give you permission to post anything about my personal financial information for the whole world to see.

15 US CODE 6802 ( b ) 1 ( a ) b ( c ) Obligations with respect to personal information. By law you are to disclose that you will be sharing my personal information. You did not disclose the fact to me whether written or otherwise that you were going to report my personal information. This is a MAJOR violation of my consumer rights. 
15US CODE 1681a My consumer report should not include transactions between the consumer and the person making the report Your report is clearly showing transaction between myself and the persons the fact that you are reporting accounts with and late payments and balances etc clearly shows you are in violation of this law. 
15 U.S CODE 1681b I am the original creditor and as such being born a natrual person I am the only one who has the right to extend credit. Therefore the use of any information to extend credit to me without permission is a blatant violation 15 US CODE 1666b. -Timing of payments : Nowhere in the TILA, FCRA XXXX FDCPA does it mention a late payment, but you are posting late payments to my credit report. You are being very inaccurate and devious. You are breaking FCRA laws.
Product: Credit card

The credit card is open-ending and is already paid for 31 U.S. Code 3123 The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter.

( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons.
Product: Credit reporting or other personal consumer reports

This Inquiries are incorrect : XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unknown collections being reported to multiple credit bureaus from a company called AMERASSIST AR SOLUTIONS. I have not applied for any credit with this company or got any services from them. I believe this maybe a mixup or I may have been a victim of identity theft. I request to please have this removed from my credit report.
Product: Credit reporting or other personal consumer reports

Unauthorized and fraudulent inquiries from XXXX XXXX, and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked each credit reporting bureau Experian, XXXX  and XXXX  to please remove address XXXX XXXX XXXX XXXX XXXX XXXX from my credit file because I am a victim of XXXX   XXXX and I am currently at risk of being targeted again because of addresses being reported without my consent. I did not authorize any company to report any physical addresses to my credit report because I am in definite fear for my life and my family.
Product: Payday loan, title loan, or personal loan

I received a loan from them 3 years ago! I paid faithfully {$75.00} twice monthly for 3 years which comes to an estimated cost of {$3600.00}. The loan was {$420.00}! I told these scam artist that I could no longer afford this loan and I have paid this loan in full over the course of 3 years. I would go in to pay and give them {$500.00} cash and they would return {$420.00} to me. In the first year of this loan the ladies XXXX and XXXX would only take the {$75.00} fee and a new check. The last two years I would give them {$500.00} cash and a check written for {$500.00} and they would give me my own cash back of {$420.00}. I asked the ladies to help me that I could not continue to do this SCAM WITH THEM FLIPPING MY OWN MONEY $ $ $ . They threatened me, called my phone and my family 's phone and employers phone all day long. HARASSED EVEYONE VICIOUSLY!! They then filed papers against me with court date in TN to garnish my paycheck in AR where payday loans are illegal. They also used two different attorney office XXXX XXXX XXXX AND XXXX XXXX XXXX IN AR! I live in TN!! XXXX AND XXXX BEFRIEND YOU AT AAA CASH FAST AND THEN WHEN HELP IS NEEDED THEY TURN INTO SPAWN OF XXXX!! XXXX AND XXXX YOU TWO ARE SCAM ARTISTS AND I HOPE YOU SLEEP WELL BY THIS SCAM THAT YOU HAVE YOUR HANDS IN. GRACE AND MERCY TO YOU BOTH AND I KNOW THAT YOUR BILLS ARE NOT BEHIND ARE THEY!!!?? AND YOU ARE NOT A BBB BUSINESS ; YOU ARE XXXX MONEY SCAMMERS!! Be BLESSED AND LORD HAVE MERCY ON THE SEEDS YOU HAVE PLANTED!!!
Sincerely, GET YOUR MIND RIGHT-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a phone call from XXXX saying that they could connect me with a credit service to consolidate my debt. They connected me with a man named XXXX who said he's with a company called Consolidated Credit which I looked up and looked legit. He asked me a series of personal questions and I gave him my social security number because everything seemed legitimate and he said he could help me. Now I am very concerned that he may have stolen my information as he said he would call me back but never did.
Product: Money transfer, virtual currency, or money service

As of today XXXX XXXX, 2017 I sold my shares of XXXX at the coinbase website with the currency amounting XXXX After selling the currency, the USD wallet disappeared with no way to be able to send the funds back to my personal bank account - also no email confirmation of transaction Money and wallet disappeared. Have tried to reach out to to their customer service several times with no reply dating back to 3 weeks for other issues as well.
I believe this company is fraudulent and needs to be investigated.
Product: Credit reporting or other personal consumer reports

I know that you have been replying to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX XXXX XXXX Late Payment {$84000.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$9200.00} XXXX XXXX XXXX Charge-off {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has removed two falsely reported late payments that are still showing up on my XXXX and Transunion reports, despite many attempts to correct the issue. Please see attached documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX I am writing to formally dispute the handling of my recent request regarding on my credit file. On date XX/XX/year> I was instructed by experian to provide specific documentation my w2 and copy of lease agreement to verify address a matter related to my credit report. I complied fully and promptly submitting the requested documents as directed. However after providing the requested information I was informed that the requirements had changed and new additions documents were now being requested. This sudden shift requirements is not only unreasonable but also indicative of a lack of consistency and transparency in your procedures. This behavior undermines your credibility as a consumer reporting agency and appears to constitute an attempt to delay or obstruct the resolution of my dispute. Under the fair credit reporting Act FCRA I have a right to a prompt and accurate investigation of any disputes related to my credit report. Your actions suggest a failure to comply with these obligations I demand that you immediately process and resolve my dispute based on the original documentation I provided. Provide a detailed explanation in writing regarding why your requirements shifted after I complied with your initial request. Cease any further obstructionist tactics and ensure compliance with all applicable federal laws, including the FCRA. If experian does not resolve this matter promptly and appropriately I will have no choice but to escalate my complaint by filling with the CFPB and the FTC federal trade commission. I expect written response failure to comply with these legal obligations will result in further action
Product: Credit card

Capital one and XXXX XXXX both has interest fees and I would still pay on time and still get fees that would put me back to the original balance I was currently trying to get away from and at XXXX time I paid both cards down and it shot back up to the old balance I paid from both interest fees
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I'm trying to update my report, However I keep receiving an error stating that they can not show todays 3-bureaus report. This might mean that Equifax was no record of your credit history or different personal details to you on file until this issue is resolve you won't be able to see your report. 

I'm not sure what is happening but I ensured none of my reports are locked or frozen and I still can not acces my report. Please help me to resolve this case because it causing me alot of stress.