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

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXXl 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 me 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 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 - 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

I have made several attempts over the years to have these credit card accounts removed from my credit since it each have been more than ( 8 ) years. During XXXX call the customer service representative was so rude when I only was trying to have him answer some questions. He seemed just so irritated that we never got to a resolution. Mainly I was trying to clear my name with XXXX XXXX Bank who continued to send me bills and financial statements for a credit card I never Got or Used or even Seen before but the XXXX XXXX Bank has been able to keep this incorrect information on my report like the other credit card companies!! These outdated information is continuing to make it hard for me to have normal various rates such as others may have and to make better for my living and employment.
Product: Debt collection

This company constantly call multiple times through out the day. They also make phone call before XXXX. This has been a constant problem
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On today, XX/XX/2023. I, XXXX XXXX XXXX checked my consumer/credit report and noticed inaccuracies between each of the following three Consumer Reporting Agencies . Experian, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I wrote to all three credit bureaus, XXXX, XXXX, and Experian, to let them them know I know longer am giving them permission to report the account by the name of XXXX XXXX XXXX on my credit report. Well I just checked my credit report and it is still showing on my credit report for all XXXX bureaus. 15 U.S. Code 1681b ( a ) ( 2 ) states that - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. Therefore, I am taking advantage of this law letting the bureaus know I do not give them permission to report this account on my credit report. I am including copies of the dispute letters that were sent on XX/XX/23 for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and on XXXX XXXX they pull our credit and put DELINQUENT Account my Score was about XXXX now its gone down more to XXXX My score would of been up to 550-575 And i could got Rifi! Now on my credit report XXXX XXXX XXXX pull my credit Four Times give me more Inquires so on XXXX saying iam Delinquent and Trans Union , XXXX  , ... 
Our Payments are Not due tell XXXX of each Month Plus we got 10 days Grace period.We have upto XXXX, to get our payment in ... XXXX XXXX put 4 Marks on my Credit Report that should Not be thier.My Credit Union said they could RiFi at lower Rate about 18 % is Better then 26 % we have to pay crooked people ... 
.Iam XXXX from XXXX in XXXX XXXX Utah XXXX.Me my wife fell down got hurt.She fellXX/XX/XXXX i XX/XX/XXXX we tried working one light duty but XXXX Ast Manager over work us, and Workmen Comp says we have to stay working for XXXX to get paid.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Experian credit has 2 mortgages reporting XXXX AND XXXX XXXX sold to XXXX XXXX, XXXX was settled in XX/XX/2020 Please have Experian updated as they refuse
Product: Credit card

first complaint on XX/XX/XXXX a fraudulent charge from XXXX 's in the sum of XXXX was made, The card never left my possession, first week or so into XXXX I noticed and I closed my card and called American express. a couple weeks later I get a letter saying my card was used in the terminal via chip however its simply impossible because I had the card. American express stated that the actual card was used via chip but simply not true. my XXXX works in XXXX XXXX and tells me that chip fraud is possible and its not impossible, I was told by American express that the only way to take information out of a card was via the magnetic strip but a simple google search and having a son who deals with these kinds of situations from time to time in a new form of fraud called shimming. 


Update : Second complaint American express has not helped in any kind of way I still owe XXXX dollars of something i didn't purchase. this article is proof my son sent me that copying a persons card matching its unique XXXX XXXX can be done and is new while American express told me it is impossible. I am a victim to what seems to be a new form of fraud. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough 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 highlighted 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 investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/2021 Open/closed Closed Status Chargeoff Past due amount {$4900.00} Fraudulent Account : XXXX XXXX  XXXX Account XXXX XXXX Date opened XX/XX/2021 Open/closed Closed Status Chargeoff Past due amount {$7300.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/2021 Open/closed closed Status Chargeoff Past due amount {$3500.00} Fraudulent Account : XXXX  XXXX Account number XXXX Date opened XX/XX/2021 Open/closed Open Status Late 150 Days Past due amount {$4100.00}
Product: Money transfer, virtual currency, or money service

Coinbase shut me out of my account and demanded a selfie ID so I could restore access. At first, I was reluctant, because I had verified my identification many times before. Eventually, however, I provided the selfie ID following their instructions to the letter. Still, they refuse to hold their end of the bargain and are giving me the run around with bot-generated e-mails. This has gone on for 3 or 4 months and I have all the e-mails available for review. I believed from the beginning that coinbase staff had stolen my cryptocurrency assets, and based on how theyve refused to give me access to my account, I see confirmation of my suspicions. Coinbase has defrauded me and stolen my crypto assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX  XXXX  XXXX, violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.

States I have ( he right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account wilhout my writen instructions.
Product: Checking or savings account

On yesterday, XX/XX/XXXX @ XXXX and " again '' @ XXXX I contacted Bank of America ( Automated System ) to get my daily balance ( as I do everyday ). According to Bank of America 's ( BOA ) automated  system there were 5 transactions that reported " CLEARED '' to my checking account on XX/XX/XXXX in the following order : 1 ) $ XXXX-CLEARED ; 2 ) $ XXXX-CLEARED ; 3 ) $ XXXX-CLEARED ; 4 ) $ XXXX-CLEARED ; AND 5 ) Check # XXXX in the amount of $ XXXX-CLEARED leaving my daily balance @ {$31.00}. Yesterday, I made 2 deposits totaling : $ {$36.00}. However today,XX/XX/XXXX @ XXXX, the BOA automated system reports the " exact same '' following transactions as " PENDINING PAYMENT '' with {$35.00} charged to each 1 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed ; 2 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed ; 3 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed ; .AND 4 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed. I am DISPUTING, the 4 separate {$35.00}  fee 's assessed totaling : {$140.00}. I am also DISPUTING, the two other {$35.00} fee 's assessed for  Check # XXXX in the amount of {$62.00} and Check # XXXX in the amount of {$55.00}. According to the BOA female representative ( today, XX/XX/XXXX prior to my transfer to XXXX ), CUSTOMERS have until XXXX the next day to submit payment before fee 's are assessed. However, fee 's are already assessed to my account for the two checks that were processed overnight last night Check # XXXX ; and # XXXX ( prior to XXXX ). When I spoke with XXXX today, XX/XX/XXXX he credited my account with 2 of the assessed fee 's of {$35.00}. I am still, a VERY DISSATISFIED BOA CONSUMER. BOA, have reported transactions ( via the BOA automated system ) in error which caused my account to be in a " NEGATIVE '' status. The BOA automated system reported transactions as " CLEARED '' when they had n't " CLEARED '' causing complications with my account. I am requesting, that BOA correct THEIR error 's by crediting all of the improper fee 's assessed to my account for their improper reporting 's on yesterday, XX/XX/XXXX as " CLEARED '' items. I check my account ( via the automated system because of previous ID theft via the internet on-line banking ). This problem is a daily occurrence where transactions are reported as " CLEARED '' when they really are NOT. Sincerely, XXXX XXXX @ XXXX.
Product: Credit card or prepaid card

End of XXXX, received Sychrony Email Statement and ntoice {$1300.00} promotional rate is expiring on XX/XX/2018. 

On XX/XX/XXXX, we sent a Check in the amount of {$1300.00} before traveling overseas, to pay off residual balance of a Sychrony Card due XX/XX/2018. 

During the XX/XX/XXXX, I notice {$4000.00} charges was posted to my account on XX/XX/XXXX. I've immediately called to inquire about the reason for the charges, and followed their instruction to fill out a Dispute Acknowledgement form with a carbon copy of the check and a letter to describe the incident. Priority Mail was sent on XX/XX/XXXX with Letter and Carbon Copy of the check as instructed. 

During XX/XX/XXXX, I called Sychorny bank to check the Dispute Status. They response was there were no updates ; they will call me if there are updates. 

On XX/XX/XXXX, I received a letter from XXXXXXXX XXXX  requesting Payment documentation to complete their investigation. 

On XX/XX/XXXX, I sent out a certified mail with Carbon Copy of the check and another letter to describe the incident. 

On XX/XX/XXXX, I called XXXXXXXX XXXX to check dispute status but the response was " there is nothing they can do, since they never received the check. 

During the period above, I have Never received any telephone calls from XXXXXXXX XXXX to inform the status of dispute nor receipt of my documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX. This account has violated my rights according to FCRA rules and regulations. A Chargeoff means that the debt has been charged off and the company XXXX XXXX XXXX XXXX ) has used this debt as a tax write off. Which makes this taxable income. And income is not reported to a consumer report ; According to : 15 U.S Code 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM consumer report does not include- ( A ) subject to section 1681s- 3 of this Title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Secondly, when a debt is charged off. The Company that charged the debt off must send a 1099c to the consumer. XXXX XXXX XXXX, did not. This is clearly a violation of my rights.
Product: Credit reporting 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. 

I told the Transunion to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 : It also states a consumer reporting agency can not furnish a 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Debt collection

I am writing to dispute the bankruptcy appearing on my credit report. It has come to my attention that this bankruptcy entry is inaccurate and unjustified. I demand its immediate deletion from my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX Bankruptcy Reference # : XXXX
Product: Debt collection

They called me at XXXX PM CST for someone's debt told me they had legal papers, for a person not me. I asked them to stop calling me as I am not the person. I then hung up, they called back and left voice mail at XXXX, then at XXXX PM they called me back again I ask for a legal address so I could in writing ask them to stop and they would not give it to me, Hung up on me 3 times then blocked my number.
Product: Credit reporting or other personal consumer reports

On or about XXXX XXXX, 2023. XXXX XXXX fraudulently placed a Collection Account on my credit reports for XXXX XXXX and EQUIFAX. The collection agency is reporting the debt on behalf of a storage company titled " XXXX XXXX ''. Per its credit reporting of the alleged debt. However, I do not have an account with XXXX XXXX. I did not authorize this account. I do not have a business relationship with this entity. XXXX XXXX did not report to XXXX any previous payment history, monthly payment amount, and only reported that the account is a Collection Account, with no other verifying data provided. XXXX XXXX has never contacted me by mail, phone or otherwise to inform me of the alleged debt. I do not have a XXXX XXXX with XXXX XXXX. I do not owe a debt to XXXX XXXX or XXXX XXXX. XXXX XXXX nor XXXX XXXX has never placed a inquiry of any on my credit reports. XXXX XXXX knowingly and intentionally placed a Collection Account on my credit reports without verifying if the debt was valid or authorized. Further, XXXX System failed to report accurate information by not including data that is necessary to validate a debt. XXXX XXXX has clearly placed another individuals account on my credit reports. Which has directly caused me undue hardship. XXXX immediately removed this fraudulent account from my credit reports. I request that XXXX and EQUIFAX adhere to consumer law concerning not placing inaccurate information on my credit report that are not in good faith verified and authentic.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I froze my credit report with Experian several years ago. Now, I want to open a new bank account. I went to the experian.com website to unfreeze my credit report because the bank told me that my credit report must be unfrozen for them to check it. My login does not work anymore. The recovery methods provide by Experian on the website do not work. It tells me that my birthdate and social do not match, which is inaccurate. I tried to reset via a call or text with the number on file. The last four of the number are mine, but they do not call nor text me to reset my password. I tried calling the company to reset my password, but I could find no way to get to a real person from their unhelpful AI phone system. I feel that I am being held hostage by a company the government has decided to give power over my finances ( my ability to open a new bank account ). Please hold credit companies accountable to US citizens. It should be easy for me to freeze/unfreeze my credit. If I am to be forced to use a credit bureau then they should be forced to be accountable to U.S. citizens.
Product: Credit card or prepaid card

I paid my statement balance of {$470.00} by the due date of XX/XX/2019 in full but Capital One still charged me {$4.00} in interest when there should have been none.
Product: Student loan

I've been trying to contact Nelnet since receiving my first statement. I have a payment due on XX/XX/11, and I need to inquire about an extension on a deferment or forbearance due to financial hardship. I've scoured my online account on Nelnet 's website, and I found information on requesting a short term forbearance ( XXXXXXXX XXXX XXXX but I can not find any information regarding requesting a longer deferment or forbearance ( I need a deferment or forbearance for about another year ). Since receiving my statement, I've tried, several times, to contact Nelnet by phone. When calling Nelnet, they indicate that wait times currently exceed XXXX minutes. After dealing with the automated system for XXXX minutes, the automated system says I will be connected to an agent in ... minutes ( the automated system doesn't give a number before minutes so no actual timeframe ). On each occasion when I attempted to contact Nelnet, I patiently wait on hold, and, without ever speaking with an agent, the call disconnects after a little over an hour on hold. This has happened every single time I try to contact Nelnet by phone.
Product: Mortgage

This was back in 2016 I was trying to stop a foreclosure in my home address was XXXX XXXX  XXXX XXXX in XXXX XXXX XXXX XXXXXXXX I wasnt able to stop the foreclosure because I was just trying to keep my home I tried really hard to reach out to the company but to avail I still lost my home