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

My account with TRANSUNION 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION 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!

Update the late payments from my consumer reports
Product: Debt collection

XXXX XXXX XXXX, its trying to collect on a credit card debt of more that 7 years. 
My clients number with them is XXXX Convergent account XXXX Creditor XXXX They have applied outrageous interest and charges to the original amount. 
I have asked to received and statement detailing charges, but have never received them. 
Also I understand this was charge of by the Original bank and I understand unless specified in the original contract ; they forfeit the right to charge handling or any interest after charge off.
Product: Checking or savings account

I had a name change official in XXXX of XXXX. I recieve student financial aid disbursements on my account, and can not access my funds on my account. My schools administrator contacted the financial institution to address the issue without success.My banking profile shows my old name and not my current name.I sent proper documentation to the financial institution to make the necessary changes. The financial institution will not honor the changes, nor will they release the hold on my account.
Product: Credit reporting or other personal consumer reports

Unauthorized/Unverified inquiries on my credit report.
Product: Debt collection

AND NOW ON THIS XXXX DAY OF XX/XX/2022, I, XXXX XXXX, consumer, wish for LVNV Funding LLC, Resurgent Capital Services L.PXXXX, Resurgent Receivables LLC to CEASE AND DESIST all communications through any mediums. THIS NOTICE SHALL NOT BE CONSTRUED FOR ANY REASON OR ANY PURPOSE AT ANY TIME BY ANY PERSON AND SHALL TAKE EFFECT IMMEDIATELY! XXXX XXXX ALL RIGHTS RESERVED UCC 1-308
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX  / XXXX / {$0.00} XXXX / XXXX / {$4400.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX  ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Last year i received several notifications that my information was exposed in several mass data breaches such as the XXXX  date breach and the XXXX data breach. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone. I have been negatively impacted by this identity theft and request that these fraudulent accounts be blocked and removed from my credit report immediately which is in compliance to the FCRA section 605-B.
Product: Debt collection

I got a voice mail from a XXXX XXXX at " XXXX ( sp? ) XXXX XXXX in XXXX threatening me with legal action and that they were sending someone to my house to serve me with legal documents and I need to call the " Litigation Office '' at : XXXX with reference number : XXXX. 

I called this number and they said they had a Lawsuit filed for a XXXX ( XXXX XXXX ) and I have to pay them " X '' amount in order to stop this Lawsuit. I explained to them him I am permanently XXXX and am Social Security XXXX. 

He did NOT care and was EXTREMELY rude, intimidating and threatening, then he hung up on me! 

This XXXX, XXXX XXXX account is WAY past the Statue of Limitations. This account was opened on XX/XX/XXXX & was last paid on XX/XX/XXXX. 

The account was opened when I lived in Nevada where the Statue of Limitations is Four Years. It 's OVER Five Years ( close to Six ) past the Statue of Limitations. 

They also called ALL of my Relatives before they called me! 

I sent XXXX ( now XXXX ) & the collection company ( CACH , LLC ) a Cease & Desist letter several years ago and have not heard from them since. 

I am currently looking into my legal recourse against them.
Product: Checking or savings account

I have had my funds put on hold on more than more occasion. When I reached out to customer service I was told my account is under review which periodically happens. The amounts were for {$1200.00}, {$1200.00}, {$2000.00}. I'm not allowed to access my funds during this review process which hurts my company drastically when I'm not able to pay my bills. When I reach out to customer services I am given the same response that the holds are in place to protect my company. Which does not seem right. How are you protecting my company by holding the funds I receive every single month. It just isn't fair. How am I suppose to get by with my day to day processes if my funds are constantly being held. I feel there are no laws in place to protect minority small businesses. These huge corporations get away with anything they can because they feel small businesses can't afford to complain and don't have the big top lawyers like they do. I'm also told I will receive an email once the review process is complete, but I never do. The one time after complaining the funds became available right after I spoke with a customer service rep on the chat service. It seemed as if they thought it was a game. They told me it could take a few days but soon after I was done with customer service and checked my account the funds were deposited. I shouldn't have to keep jumping through hoops for the hard money I earned. This last hold which I am going through now happened on the weekend. I am not able to use any of the funds in my account because transfer have been suspended while my account is under review. On the Square website it states account are placed under review for suspicious activity. How is there suspicious activity when I receive the same deposits every month? I am being told it's periodically done to keep me safe. How is holding my funds keeping me safe? I am only able to transfer money once a day. Luckily I transfer some money to another account the day before this hold took place. If I didn't I wouldn't be able to access any of my funds. I have tuition to pay, light bill, rent. But the company did not care.
Product: Credit reporting

I WENT TO XXXX AS SUGGESTED BY XXXX FICO TEAM AND THIS WEBSITE.  I ORDERED ALL XXXX CREDIT REPORTS. I RECEIVED THE FIRST REPORT FROM XXXX AND SAVED IT. I THEN DISPUTED AN INCORRECT ISSUE AND RE-SAVED.  I WAS THEN PREVENTED FROM PROCEEDING WITH THE REST OF THE REPORTING. I WAS, HOWEVER ABLE TO NAVIGATE ANYWHERE ELSE (PURCHASE CREDIT PROTECTION OR ORDER A FICO SCORE). THERE IS NO PERSONNEL ANSWERING THEIR LINE.  I THEN CONTACTED THEM VIA THE ONLINE "CONTACT US", BUT HAVE NO WAY TO GO BACK TO MY REPORT.  THIS IS UNACCEPTABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, a XXXX XXXX personal loan in the amount of {$16000.00}, was opened without my consent. I have been victim of identity theft since my personal information was leaked from the data breach from XXXX. I've also received information that my personal email address and passwords were hacked based on findings from an Experian report. I have filed a total of XXXX different ID theft police reports since the XXXX breach. I've also filed an ID Theft affidavit as well as FTC reports for the numerous fraudulent accounts that were being opened with my personal information. I've previously disputed this account with Experian, in which they blocked the account from appearing on my report. But a year later, the account reappeared on my credit history and Experian has not yet removed the account despite my numerous disputes submitted and phone calls with Experians Fraud Department. I've sent them all the police reports, FTC reports and notarized ID theft affidavits that validate my claim and yet the account still remains. The other credit bureaus have removed the account permanently without any issues.
Product: Debt collection

I have had MCS ( Military Credit Services ) call me several times saying they are trying to collect a debt from me that is well over two thousand dollars. I told them it was n't mine and to send me a copy of the account and whatever else that proves it 's mine. They said I should receive this courtesy letter since they already sent out XXXX. 
They asked me for my mailing address and I told them that if they were speaking to me then they had my address. 

I never did receive that copy of my account with them. Yet, they called me again a few months backs. 

When she told me who she was, I informed her until I get a copy of the account, letters sent out to me and whatever else like I asked the last time they called to stop calling me because I did n't open up an account with them nor purchased an item that I had to finance. 

I hung up then blocked the number. 

Now I have checked my credit report and I have a hard hit from them. I check my reports about every six months. 

Its bad enough dealing with XXXX. I 'm XXXX. I 've been working on my credit myself but when this happens its depressing and frustrating because if I ever need t finance I ca n't. 

IM REALLY UPSET.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several emails to XXXX because they are providing incomplete and/or unverifiable information about a public record or Bankruptcy to Experian, XXXX  and XXXX 
XXXX informed that the information is verified to the 3 major credit bureaus but they havent verify that information. 
Please see the attachments as evidence and as my last request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. 
XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I purchased a used XXXX XXXX in late XXXX, with the first payment due for the PNC Bank auto loan in XX/XX/XXXX. Since the very first time I tried to pay online, nothing has worked correctly. I have to call in and spend time on hold every month to make my payment over the phone. Today, it was my external XXXX XXXX account that had an error message on the XXXX website. I suspect PNC is either intentionally not correcting these issues to cause people to set up PNC accounts and deposit funds for payments, or they are intentionally causing the issues for the same reason. XXXX  months is more than enough time to solve software problems, PNC has run out of time and excuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 ( received XXXX ) Capital One sent me a letter stating that they were closing my credit card accounts because of " activity on this or another account that is not consistent with our expectations for account usage and violations of the Capital One Customer Agreement ''. This was the only explanation given and i currently do not have access to either account. I have drafted a letter to send correspondence along with this complaint.
Product: Vehicle loan or lease

wells fargo I sent them letters of recission and that I didn't take a loan with them they stole my car sent a third party named XXXX XXXX from XXXX to steal it off no trespassing and gate and fenced yard they hooked up their tow truck and stole my car didn't knock or ask could they come on my property i have a video of them doing this and also they stole it on XX/XX/2022 and they never loaned me anything anyways the law is gold and silver coin in article 1 section 10 and it states in 12 us code 83 that banks dont ' loan money so I want all money they took for the car and all money I paid in for it the XXXX XXXX XXXX XXXX also stole my passport, social security number, birth certificate, driver XXXX, they stole my underwear, socks, hoodies, tools, and more and they came to my property and stole my car under a collection company and they are on XXXX XXXX XXXX XXXX and they stole my marriage license too to my husband, my drill, they stole more I called the XXXX police while I was there getting my things from my car, the police tried to arrest me for calling the cops which I find odd. The guy is trying now to take out XXXX XXXX cards, and discovery cards on my credit and he can't I wont ' let him thats going against the law. Someone needs to help me and these people need to pay me the money owed plus pain and suffering I now don't have a car and they done it by seizing and searching on my private property which is against the XXXX XXXX and I went to a dealer ship to get my loan I have never been in a wells fargo period not at all been to a wells fargo I didn't willfully knowingly and intentionally go into a loan with them. I sent them letters to take it off my credit and recission letters and they are ignoring me and saying you went into a contract now pay us all you owe us and I am like no I am not paying you you stole my car and I did call the cops but XXXX I live in XXXX XXXX and I have a cease and desist on my cops for them doing something else to me. So they wouldn't take a complaint from me. I am not sure what I need to do but I need they frauded me and I know it.
Product: Vehicle loan or lease

We bought a new XXXX XXXX on XX/XX/2024. Initially, we also purchased the tire and wheel package for {$2200.00}. After reconsidering, we cancelled the tire and wheel package within the cancellation limitation window on XX/XX/XXXX. This cancellation was acknowledged by the XXXX XXXX and wheel department on XX/XX/XXXX ( request number XXXX. 

The VIN number last XXXX digits is XXXX. 

We paid the car off XX/XX/2024 with a cashiers check and received the title on XX/XX/2024. 

We have been trying to get a refund from Lexus Financial Services since we cancelled the tire and wheel package and have spoken to several people. It is XX/XX/XXXX and we still have not received the refund. 

The last person I spoke to on XX/XX/XXXX said the check had been approved and was sent to us on XX/XX/2024 ( check number XXXX ). He further stated that it would take XXXX to XXXX business days to receive the check in the mail. It has been XXXX business days and still no check. 

On XX/XX/2024 I spoke to a representative at XXXX XXXX XXXX who also stated the check was mailed. She said to give it fifteen business days and if we do not receive the check to call them and ask for a re-issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit inquiries are unauthorized and need to be removed from my credit report immediately, these issues are creating a barrier for a new business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self Lender/ Lead Bank credit card was opened by me, however, card Was stolen in XX/XX/XXXX. After realizing months later that the card was stolen and had a balance I attempted to view the account online with no success. I notified Self Lender of the problem and was issued a new card that also took several months to be received. After receiving the new card, I did pay the balance and notified Self Leander that the missed balance was not from me but from the card being stole. I was told to write a GOOD WILL letter explaining the situation, which I did. This letter was denied and they refused to make the change on my credit report. I reached out to SELF in XXXX and XX/XX/XXXX asking for documentation that I called and reported the card stolen and that a new card was issued to me and I was told that I would receive that from " XXXX '', however, I only received statement that I had an account with SELF. Nothing stating that they had been notified of the card being stolen.SELF refuses to correctly report this account and the fraudulent activity. I never received any documentation that was promised, The account has been closed since XX/XX/XXXX and it is still reporting as a balance on my XXXX report as well as delinquent on XXXX, XXXX and XXXX.
Product: Vehicle loan or lease

My XXXX XXXX was totaled while parked, right at the end of my lease term. 
XXXX XXXX said they would be paying it off to Hyundai. Hyundai claimed we had a balance and on the phone o agreed to pay it right there, while I was on the phone. 
Apparently that payment of {$650.00} was never processed and instead of Hyundai reaching out to me via email/mail directly, they never did. If I knew it wasnt paid up I would have definitely paid it. Ive never been late on payments ever before this.

So firstly Hyundai never properly processed the payment the first time I told them on the phone. Secondly, they did not communicate properly they they were owed the balance.

I only knew about this balance because of my credit score dropping. 
If you look at my history you will see its impeccable. Please remove this late payment from Hyundai as it was only a result of a Hyndai not communicating this to med.
Product: Credit reporting, credit repair services, or other personal consumer reports

I.m disputed these inquiries on my credit report has not been removed off since XX/XX/2023 up to XX/XX/2023 and I.m Transunion is not following up with these removel inquiries off the credit report ... .need to be removed and update.. Its pass due over Two Years Removel ....
Product: Debt collection

I received a robocall from XXXX at XXXX XXXX on XX/XX/XXXX. The recording stated that there was a summons for me etc. The debt was charged of on taxes, and I paid the tax bill, several years ago. The company is simply wanting to " double dip ''. The debt is from XXXX, I paid the federal income tax in XXXX so it was charged off in XXXX.