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 XX/XX/year> 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: Credit reporting or other personal consumer reports

On XX/XX/2024, I received an alert from XXXX that a hard pull on my credit report from Capital One was not triggered by me as I had made no application for credit at Capital One. 

I contacted XXXX to request information on how to remove the hard pull on my credit, as it can stay on my account for two years. They informed me I needed to contact Capital One, and they should provide in writing that the credit application was fraudulent. Then, they will pass that on to XXXX, who will then remove this from my report. 

I contacted Capital One on XX/XX/2024 who confirmed the application was fraudulent and when I requested they send me confirmation of this in writing they refused and said they would only inform XXXX and that was all they could do despite XXXX 's request. 

Also, Capital One refused to provide any confirmation that my issue would be resolved and refused to give me any reference number or ability to give me updates.
Product: Checking or savings account

I had cash app and as being scammed asked for payments to be frozen but not security features were available besides dispute transaction. I did so and told 2 days later no fraud was committed. Ended up in the hospital for months in ICU and XXXX XXXX, when able I tried to reopen the case which was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX on all 3 credit bureaus. XXXX and XXXX removed it from my report but Experian left it on
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have reviewed my credit report and see that your company has listed an account on my credit file with A balance. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you. Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provid me with physical papers papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my stat, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion. I have requested this information now 3 times via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was laid off due to covid-19. I was leasing an apartment from The XXXX XXXX XXXX XXXX, I contacted the leasing agency XXXX  XXXX  ( XXXX XXXX XXXX XXXX XXXX in writing with proof that I was laid off and requested to enter deferment. He wrongfully told me that in order to enter deferment I had to pay 50 % of my balance, which I could not. They then proceeded to put a 3 day notice to quit on my door or I was getting evicted. So I moved out and upon moving out they added a bunch of late fees to my bill, and sent me to collections with IQ DATA debt collector. ID DATA demanded money and would not hear me out that The XXXX XXXX XXXX XXXX wrongfully would not let me enter deferment, demanded all of the balance including the late fees and the entire rest of the lease even though I had vacated. IQ DATA then reported to the credit bureau and I have been trying to resolve and dispute this for months.
Product: Debt collection

I have had calls from Commonwealth Financial Systems going back 4 years for someone I dont know. 
Telling Commonwealth Financial Systems that I am not the person they are looking for does no good. 
Does anyone monitor these idiots or are they simply allowed to run amuck harassing whoever they please. 
This is absurd. 
Is there no oversight in your industry? 
I cant be expected to change my phone number just because these incompetents at Commonwealth Financial Services dont have the brains to get their contacts correct. 
I can not magically become this XXXX XXXX they claim owes them money from XXXX XXXX. 
I have parents in the mid XXXX and cant be expected to change my phone number to make this rogue company happy. 
Am I expected to take a XXXX  DNA test to prove I am not the one they are looking for? 
I am sick of their calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had identity theft and there are a few inquiries that need to come off my reports asap XX/XX/XXXX - Capital One XX/XX/XXXX - Capital One XX/XX/XXXX - Capital One XX/XX/XXXX - Capital One XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX   XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX
Product: Checking or savings account

Im a complaint against Navy Federal credit Union regarding multiple overdraft fees that have occurred on my account. Despite having sufficient funds when transactions was authorized, I was charge due to lagged posts of charges and credits.The issue aligns with CFPB findings against Navy Federal for similar practices, where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I was making a purchase through XXXX from my Chase XXXX account in XXXX XXXXHowever, the price was different than I was charged. XXXX recognized they created the issue, and submitted me a letter stating that they XXXX used my account and charged me an unauthorized amount charge to my account. Which then overcharged my account. I covered the amount in my account and I faxed the information to Chase Bank. however they say it wasnt received. 4, days later the same unauthorized transaction reflects again in my account and my account again is overdrawn. Yet this time chase has created this monstrosity and I have to cover it. However they blame XXXX but my XXXX account does not reflect another order or any order regarding my newest chase debit card number.
Product: Debt collection

Received a letter from Jonathan Neil & Associates Inc, stating that I had been involved in an vehicle accident that NEVER happened. Client is XXXX XXXX Claim : XXXX. These are false accusations that they state occurred on XX/XX/year>. The company asked for my insurance information in regard to this matter. The next day I received a notice that the company was a debt collector and requested I pay {$1100.00}. I feel this claim is unsubstantiated and will respond to the collector to dispute the claim with a letter requesting a police report of the accident and individual involved. I received numerous phone calls from the company before I blocked the number. Please advise this creditor to cease and desist.
Product: Debt collection

Debt collector contacted me threatening to take legal action for a debt under {$700.00}, but also forwarded the communication to one of my employees, who is not authorized to handle any of my personal business matters. I had previously made a payment last month, and was intending on making another this month.
Product: Checking or savings account

XX/XX/2018 RE : bank accounts XXXX XXXX XXXX and XXXX XXXX XXXX On Thursday XX/XX/XXXX and Friday XX/XX/XXXX I open these two bank accounts at Chase Bank in XXXX, Oregon. On Saturday, XX/XX/XXXX, I logged into those accounts, using online banking, in order to purchase checks using XXXX XXXX services. Everything was fine in that online session. 

Today, Monday XX/XX/XXXX, I attempted to log in on those two accounts and received an error message. It said I was unable to log in and to call a number they provided. I called that number and spoke to four people, two of which were an initial fella, XXXX, XXXX, and XXXX. They told me my two accounts were cancelled, that it would take 14-20 days to return via mail the initial deposits in a cashier check. The initial deposit was {$100.00} USD in each account, {$200.00} USD total. 

Well, I am out the {$200.00} for almost three weeks and the cost of the checks which is is {$13.00}, plus my frustration and defamation to my name since this will have negative impact on my credit score. 

No reason was provided to me on canceling my accounts. I have a average credit score. I have existing checking accounts with three other banks in this community on my business banking and my personal banking. 

I am writing this letter to file a formal complaint with Chase Bank on their discriminatory and secretive banking practices. My accounts were cancelled with no notice. My money is being held for 14-20 days before being returned. I am out money I spent on getting checks printed. I made a request to each person I spoke with to go to the local Chase Branch, in XXXX Oregon, and pick up my deposits. Each person said that was not possible. I have not written and checks or made withdraws on those accounts. Why is it taking three weeks to return my money? 

I want a refund of {$200.00} for my deposits, {$13.00} for the checks I ordered, and {$1000.00} in punitive damages. That is a total of {$1200.00} USD that I expect to receive from Chase Bank. 

What do I need to processed a formal complaint with Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, Experian REFUSED to start a dispute after they have already verified my identity by phone and received a letter from me requiring them to provide me PHYSICAL VERIFIABLE PROOF that EXPERIAN has obtained to validate reporting the accounts listed on the credit report. I did NOT send a request about the ACCURACY of any item reported as they responded to CFPB but asked for EXPERIAN to provide physical proof of being able to report said matters on my consumer report. Furthermore, my request for this which came on a letter attached with MY ORIGINAL SIGNATURE, DRIVERS LICENSE, and SOCIAL SECURITY card as well as my verbage in the letter concludes that I, XXXX XXXX XXXX was the one disputing and not a 3rd party agency. Also, my dispute has been illegally closed without proper investigation and results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EQUIFAX : XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$760.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$760.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received two alerts indicating that my balance from Credit acceptance  INCREASED by {$290.00} and on XX/XX/2020 they also indicated that my balance increased by {$290.00}. This is NOT accurate. My balance actually DECREASED by that amount. 

I contacted Credit Acceptance DIRECTLY to ask them if they can correct the information and they advised me to file a complaint. 

This INACCURATE information had DROPPED my credit score by almost one hundred points.
Product: Mortgage

Our loan with Loan Depot was in forbearance and protected under the Federal Cares Act which means the loan was NOT allowed to be reported as delinquent. We recently signed and returned a Partial Claim packet sent by them which was not due back until XX/XX/2021. However, this was returned to them by XXXX overnight, yesterday. As of this morning, they are reporting the account as severely delinquent while still in forbearance as set by the VA. This is the SECOND time they have reported this account delinquent after correcting the mistake via your help previously. They are repeat offenders of the same issue.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing an evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlights in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of the investigation. 

This is the account I have marked as inaccurate XXXX XXXX XXXXXXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : not my names XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX FCRA violations : not my address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Debt collection

I was checking my existing report on what I owe. I just notice a cmre finance service was listed out of nowhere. This was added and I never got any report on them and just saw I had a balance! Balance of what? This needs to be corrected.
Product: Debt collection

They kept harassing me for months about alleged debt collections, from various numbers all times of the day and night. Also sent letters to addresses I do not stay nor did I approve or consent to my information being sold to solicitors to harass me and have my information.
Product: Vehicle loan or lease

In XX/XX/2016 I made a payment on my auto loan on the XXXX date past the due date for my auto loan. I have talked to the bank multiple times to have the late payment removed from my credit report and my request was refused. Payments for the auto loan have been made on time all the time and there never has been a missed payment.
Product: Credit card

I received a letter from XXXX Credit Card account which is served by XXXX XXXX on XXXX XXXX, 2015. After the investigation of the account the claim has been resolved in my favor. They said they were going to have charges removed and I would not be held responsible for the debt. But as of XXXX/XXXX/2015 it is still on my credit report.I did talk to Transunion after I submitted paperwork from the creditor but they have not removed it from my credit history.
Product: Credit card or prepaid card

I ordered clothes from XXXX online that was supposed to be delivered to my home. Due to renovations at our home, we were relocated and I reached out to Free People to request that they have our package held at the local FedEx to avoid the package being stolen. XXXX XXXX customer service promised the packages would be held at the local office but the packages were delivered to our home anyway. When I told XXXX XXXX XXXXhat the packages were delivered and we werent home, they told me that I needed to go through my home owners insurance to pay for the missing package. I then disputed this charge through Chase four times and provided text message proof of the conversation where XXXX XXXX promised not to have the packages delivered to our home. We also advised Chase that we never received the merchandise. Chase declined every dispute saying they dont see anything wrong and theres no reason to refund the purchase.
Product: Debt collection

XXXX at XXXX First called my son XXXX XXXX and discussed my account and he then emailed my son and shared MY personal information and then my son emailed the information to my boyfriend. Capital link management has no right doing this to me!
Product: Debt collection

I became aware of this debt when I checked my credit report for the first time in many years recently. I saw that Southwest Credit System has an amount of {$190.00} reported for XXXX, however this was the first time I saw this. I had not received prior notice of this debt, along with account information and what the debt is for. Since I had my identity stolen in XX/XX/XXXX, I wanted to make sure this is legitimate. 

I disputed it with XXXX on XX/XX/XXXX and also wrote a letter to Southwest Credit System requesting verification ( USPS notified me that my letter was received on XX/XX/XXXX- proof available ). XXXX has not notified me that the agency has responded, and I have not received a response to my letter. 

I understand that a collection agency does not have to respond to verification requests within a certain time frame, but in this case I was never notified of this debt or what it is for and need verification.
Product: Mortgage

WE paid the Loan off according to banking standards and sent three money orders in the amounts of what we owed at the time. 
These are the amounts XXXX, XXXX, XXXX. 
Where did this money go? The bank reps told us they would not accept, cashiers checks, money orders or cash.So we were told to send them via a credit account all money orders to Dept of Treasury in California who deals with Bank Of America. 
We believe they lied and forced us into foreclosure. 
We also got a document from the bank in XXXX-2012 saying all mortgages were paid off from the county recorders office which i followed up with when I got it as I used to work there and was a notary for many banks as well.. 
All mortgages were off the books six moths later in XXXX they appear now under XXXX XXXX .We feel that many people involved committed fraud. 
The banks and their affiliates including the recorders office of The county. 
Which I still have. 
Talked to a rep on the phone a few days ago and they admitted the debt was paid as agreed I have that phone conversation recorded as they recorded mine too.. 
Please help me clear this up, end this or at least meet at the table to come to a final conclusion. 
Also we tried several loan mods with BOA and two short sales which both were rejected. 
XXXX will not allow us to pay our own property taxes or homeowners insurance as they do through escrow. 
I paid the taxes a few times throughout the years sneaking it it in.Have been paying my homeowners as well for more than two years.Still they are charging me for this too. 

I am also having different agencies look into this including my XXXX which was with The XXXX.The IRS as the fraud may cause many errors in what we do n't owe them.The bank may owe them even more as they are reporting something that was paid off as something as a discharge. 
The document I got is from XXXX XXXX The Vice president of BOA at the time showed all mortgages were paid off at the time of XXXX-2012 also notarized by here back notary XXXX XXXX XXXX and sent to my county to record the mortgages as paid. 

To make matter worse we living a black mold filled home all around us and we are trying to prevent others from getting sick I had a firm come out here remove some but there is so much around us .I could only afford so much to get removed. 
Please help in any way you can.
Product: Debt collection

I sent a HIPPA letter stating the laws of why they need to remove from the collection from my report. And I asked for proof of the debt belonging to me I they couldnt provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Below are the inaccurate items from my credit report : Inquiries XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment XXXXXXXX XXXX  XXXX # XXXX