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

My account with EXPERIAN 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. 


EXPERIAN 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

Called to inquire program I was never told that if I did not complete.I never did the course.I was never informed that would be charged or this would be on my credit report.
Product: Debt collection

This collection agency under the name of Credit Control , LLC is trying to collect a sum of money ( AGAIN ) I do not own them due to the fact I never have any business with them nor signed contract or/and agreement. 

Actually this agency is a sub-company that works for XXXX XXXX XXXX and together they both are trying to rip me and scam me off. 

Credit Control have not a single legal documentation that can prove I own them any kind of money and have no right to be using my personal and federal information on any kind of documentation DUE TO THE FACT THAT XXXX XXXX XXXX COULDN'T PROVE WITH ANY LEGAL AND SIGNED DOCUMENTATION THAT I OWN THEM ANY SUM OF MONEY THEY WENT AHEAD AND GIVE CREDIT CONTROL , LLC ALL MY INFORMATION TO TRY TO DO THE SAME BUT OF COURSE WITHOUT ANY LEGAL OR SIGNED DOCUMENTATION THAT SHOWS I OWN THEM ANY SUM OF MONEY
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against CREDENCE RESOURCE MANAGEMENT for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Product: Mortgage

Ditech is putting me through a collection process for a late fee of {$120.00}. I incurred this late fee because they held my payments in a Funds in Suspense status. I have paid {$22000.00} towards my 2018 mortgage obligation of {$19000.00} ( {$2800.00} due on the first of every month ). I calculate that as an overpayment, however the overpayment is being held as Unapplied Balance while they put me through their collection process. 

I used to use Ditechs Bi-Weekly Mortgage program which auto debited my mortage in partial payments that occurred every other week. They discontinued this program in XXXX and their website does not offer any other type of autopay except for full payment on due date. My finances and due dates for other financial obligations are set up around the bi-weekly payment plan because my mortgage is my largest one payment. I set up auto pay through my own bank bill payment system to continue the bi-weekly payments as I have been making them through Ditech. The payments I made were then held in Funds in Suspense and show that I was delinquent in my payments at the same time they money was collected from my bank account. Entire payment would be applied to principal as extra principal payment and they would attempt to collect an additional payment from me and go through a collection process. 

There must be some policy against this. My mortgage balance is $ XXXX, and my house is valued at $ XXXX. Are they using unfair practices to put me in a collection cycle to gain my home? 

Any payment balance should be applied in a way that protects the consumer always. Any money collected should go to : Balance due ( oldest to newest ) ; Escrow ; Fees ; Principal only when other balances have been collected on. Or at the very least you should be able to allocate your own money to these categories on their website. If the company decides where to allocate payments, by law it should be in a way that protects the consumer, not potentially puts them in a foreclosure. This company stinks of unethical practices! 

I called and spoke to XXXX on XX/XX/18. I was scolded for making partial payments, even though I did so previously through a Ditech sanctioned program. And made each partial payment PRIOR TO THE DUE DATE for the balance due. I tried to rectify the situation and was given no solution but the pay the full amount on the due date, NOT BEFORE THE DUE DATE IN INCREMENTAL PAYMENTS or the payments WOULD always be misapplied. So I adjusted my due dates on other financial obligations to do this. I am still going through collections for a late fee and have an Unapplied Balance on my account which is an overpayment that just sits in suspense it doesnt go to my balance, my principlal or my LATE FEE. It just sits there. Meanwhile they send me to their collections division. I went ahead and sent a check ( no option to pay online other than the mortgage amount ) for the LATE FEE to suspend the collection process. How is this legal that a mortgage company can hold my money and NOT APPLY IT TO MY ACCOUNT in a way that is in MY BEST INTEREST. This has got to be illegal, besides being incredibly unethical
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Checking or savings account

this is second attempt here, but i gave an older account number. the correct one is XXXX I requested the closing when XXXX up on XX/XX/23. Their website has been down, purposefully in my opinion, as well as others having similar issues as reported online. With web down I can not do a transfer. I called and they said a wire would go out same day. As of today, after I CALLED THEM, I am told they reversed the wire. This is causing a financial hardship for me and I need this resolved at once. It's my money. XXXX
Product: Bank account or service

Being a first time, single mother, I had to make the decision to use my overdraft protection. I check my balance before every transaction so I knew that I would be over drafting that transaction but the {$36.00} dollar fee was worth it to keep my son in daycare for the week. Especially when I would be getting paid in a couple of days and it would all even out. No big deal. 
Imagine my surprise when I checked my balance and it was more than XXXX dollars in the negative. Apparently, Regions decided to reorder transactions for the past few days to incur overdraft charges on XXXX transactions instead of just the XXXX transaction. This resulted in {$360.00} in overdraft charges. Instead of {$36.00}. 
When my paycheck hit my account, it was ENTIRELY gone because of this. That was money to pay bills and feed my baby. And now my phone is shut off because regions STOLE all of my money. 

I 've contacted regions several times about this matter and they give me the same answer. 'There 's nothing we can do. ' I 've filed a complaint with the XXXX they have n't responded. 

It should be illegal to reorder transactions to maximize fees.
Product: Student loan

Aidvantage refused to accept my payment of {$200.00} on XX/XX/2023 ( payment due XX/XX/2023 ), it says there was a payment reversal. I tried emailing them, no response. I called, was left on hold for ages. They sent me a letter saying " NO ACCOUNT / UNABLE TO LOCATE ACCOUNT, '' I double checked and all my bank information was correct and I have enough money in the account to pay the loan.
Product: Credit reporting or other personal consumer reports

I am writing to demand an immediate investigation and resolution regarding multiple fraudulent accounts and erroneous credit report entries listed under my name. Despite my previous efforts to rectify these issues, including filing a report with the Federal Trade Commission, the continued presence of these incorrect entries on my credit report is both distressing and unacceptable. 



XXXX XXXX Account Opened in XX/XX/XXXX : I categorically deny any involvement with or knowledge of the account showing a balance of {$470.00}. 

The account was opened without my authorization, and the contact information on file was erroneous. 



XXXX Account Opened in XX/XX/XXXX : The reported balance of {$59000.00} is entirely unfamiliar to me. 

I assert that I did not open this account and any claim to the contrary is fraudulent. 



Fair Sourcing and Collections Reporting for XXXX : The reported debt of {$19000.00} on behalf of XXXX is baseless as I have never engaged with either entity. 

The reporting of this alleged debt is not only incorrect but also raises serious legal concerns. 




These inaccuracies are causing me significant harm, leading to credit denials and tarnishing my financial reputation. This is a clear violation of my rights and I will not hesitate to pursue all legal remedies available to me, including but not limited to litigation, if these matters are not resolved promptly and to my satisfaction. 


This letter serves as a formal notice that I expect the fraudulent entries to be removed from my credit report immediately. Failure to act will leave me with no choice but to seek legal action for damages resulting from your negligence and the unlawful impact on my credit standing. 


Attached, you will find documentation corroborating my dispute. I demand a written response within 15 days of receipt of this letter, confirming the commencement of an investigation and outlining the steps you will take to rectify these errors. 


I trust you will give this matter the urgent attention it deserves.
Product: Debt collection

Pursuant to 12 CFR Part 1006 ( Regulation F ). 1006.34 Notice for validation of debts. I never received a validation notice with initial communication or within 5 days of initial communication. 

Pursuant to 15 U.S. Code 1666b ( 4 ) XXXX XXXX is in violation The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. And 15 USC 1666b ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Pursuant to 15 USC 1611 XXXX XXXX is criminally liable for willfully and knowingly not disclosing finance charge and unauthorized use of my credit card Pursuant to 15 USC 1635 right of rescission XXXX XXXX did not disclose or give written notice to consumer informing consumer of having an opportunity to rescind said consumer credit transaction. 

Pursuant to 12 CFR 1026.23 b ( 1 ) - Right of rescission in a transaction subject to rescission, Since I have Never been notified of said right, I have 3 years to exercise that right a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind the notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling. 

( ii ) The consumer 's right to rescind the transaction. 

( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business. 

( iv ) The effects of rescission, as described in paragraph ( d ) of this section. 

( v ) The date the rescission period expires. 

according to 7 CFR 1436.10 ( c ) the down payment may not include any trade-in, discount, rebate, credit, deferred payment, postdated check, or promissory note to the supplier or contractor wells fargo has recived a prommisory note in which paid for this transaction. 

Pursuant to 12 CFR 1026.23 b ( 2 ) I have Never received a proper notice of Form Appendix H and forms to take exercise my right to rescind. To satisfy the disclosure requirements of paragraph ( b ) ( 1 ) of said section, the alleged creditor shall provide the appropriate model form in appendix H of said part or a substantially similar notice.

Pursuant to 12 U.S.C 83 No national bank shall make any loan or discount on the security of the shares of its own capital stock which proves alleged loan was paid for when i provided signature and social which makes any commercial paper a security i also provided a promissory which paid for transaction 15 USC 1692h XXXX XXXX has received payments on this alleged debt and affiant has the right to direct XXXX XXXX to return all payments
Product: Credit reporting or other personal consumer reports

Applications for credit cards loan for vehicle which caused negative impact on my credit score
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX have lied avoiding as I am told by early Warning and innovis I have an account at XXXX XXXX and by indicating " A DUPLICATE '' on CFPB means you have an issue there for me and you need to address. NOTE, your client XXXX XXXX XXXXllegal XXXX immigrant XXXX XXXX fake XXXX were reported as fake XXXX XXXX too and got fired and currently under investigation as XXXX here on an XXXX. He cash two XXXX escrow account checks in my name at XXXX XXXX XXXX XXXX and I reported as XXXX with det. XXXX XXXX XXXX. Also at XXXX XXXX XXXX XXXX MI XXXX loan XXXX and cover up loan XXXX are supported by XXXX XXXX of XXXX XXXX XXXX has now confessed that this is mortgage fraud under CFPB # XXXX for your review. Please release details as to any connection to my property XXXX XXXX XXXX as you will find chase confirmation numbers as XXXX and XXXX. 

XXXX XXXXXXXX # XXXX CLAIM XXXX CLAIM XXXX CLAIM XXXX CLAIM XXXX
Product: Credit reporting

I was checking my credit report and I realized there is a collection in my history about an student loan and a " Judgment '' which was disputed long time ago and was removed from my credit report by XXXX XXXX and XX/XX/XXXX but Equifax. I have contact Equifax several times and explained to them my reasons, but they keep showing these XXXX wrong info in my credit report which cause me huge financial burden and problem.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX To whom it may concern : I was just looking over my credit report and found some addresses thatappear to be incorrect. I enclosed documentation providing proof of mycurrent address, as instructed to do on your website. To make your process ofdeletion easier, here is a list of the incorrect addresses that I am currentlyseeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX Nc, XXXXXXXX XXXX XXXXXXXX I also noticed that my name appears to be misspelled on my credit report. Myname only has one correct spelling, and there should be no variations listedbecause my name has no variations. My photo ID is enclosed to show thecorrect spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX 

Please remove inaccurate employers as well as listed belowXXXX. XXXX XXXX XXXX. 


Once you have deleted the inaccurate names and addresses from my creditreport, please send me a copy of my updated report. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed unknown persons to access my DOB, SSN, name, address, drivers license number and private credit report information. They did not protect this information to the best of their ability. I have now had to shell out {$30.00} to freeze my credit with 3 credit bureaus and pray to XXXX that hackers are not fraudulently using my information that Equifax did not protect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  shows my account delinquent when in fact it has been paid via there web app, they said they did n't recive it in time.   this is not true they have issues with their app.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per my request for full VALIDATION OF THE DEBIT submitted through Experian ( ref no. XXXX ) the XXXX XXXX XXXX XXXX XXXX ), the Collection Agency merely stated that it was verified without providing any proof about any of my authorization for the purchases or services. 

I have contacted the credit bureau to VALIDATE the charges as a result of me not having a signed contract with the company. However, the item is still on my credit report. I would like to have this removed from my credit report.by reporting bureaus.
Product: Credit card or prepaid card

I returned two items to XXXX XXXX and both refunds were issued to the Chase debit card ending in XXXX. The first refund was for {$54.00} on XX/XX/XXXX and the second refund issued by XXXX was for {$54.00} on XX/XX/XXXX. XXXX provided a transcript showing Chase accepted both refunds to my debit card ending in XXXX and is refusing to issue me check for both refunds. They continue to claim that Chase did not " accept '' the refund as the account is closed. XXXX is providing proof that both refunds were indeed accepted by Chase. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX lease is reporting inaccurate late payments for XXXX and XX/XX/2019 to all the credit bureaus.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX  XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting several name and addresses that are not mine. I do not know how this information was reported when I have never lived at these addresses and you have purposely misspelled my name. 

Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXXXXXX XXXX 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 I have never lived at any of these addresses and I do believe your incorrect reporting is costing me thousands in damages due to you not reporting correct information. 

Remove all these phone numbers they do not belong to me and the employers. 

This information is costing me thousands.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Inaccurate Information in Credit Report I am writing to formally dispute certain information that appears on my credit report. I recently reviewed my credit report and found a discrepancy involving an account that I believe is incorrect. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute any inaccuracies or incomplete information. 

The specific item in question is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, on my credit report, which I believe to be inaccurate. I am requesting that you investigate this issue and correct any errors immediately. 

According to 15 U.S.C. 1681s-2, as a furnisher of information to the credit reporting agencies, you are required to report accurate and complete information. If any of the information provided by you is found to be inaccurate, you are obligated to correct it or notify the credit reporting agency to delete or update the entry.

Additionally, under 15 U.S.C. 1692g, I request that you provide the necessary documentation to validate the debt in question. Specifically, I would like to see proof that this debt is mine, including a copy of the original agreement, account history, and any supporting documents that substantiate the claim made in my credit report. 

If this matter is not resolved or if you do not respond within the legally prescribed timeframe, I will take further action to protect my rights. This may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Please be advised that I am exercising my rights under the FCRA to ensure that my credit report is accurate and fair. I expect a written response within 15 days of your receipt of this letter, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX
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. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.