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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payment before the due date. The payment was processed late due to a clerical error on the part of the creditor, which is documented in the enclosed bank statements and payment confirmations. 
System Error : There appears to have been a system delay with the creditor processing my payment, which should not have resulted in a late payment being reported. 
Evidence Provided : I have attached payment confirmations and bank statements as evidence showing that the payment was made within the required time frame, and it was processed late due to an internal delay. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

So I applied for the capital one savor card with no annual fee and the reward was spend {$500.00} within the first 3 months and get {$250.00} cash back I spent the XXXX like in 2 months and once it hit the 4 month I never got anything because I wasn't eligible which makes no sense that I spend $ XXXXwithin 2 months and it's been 6 months and I still haven't gotten anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 which is being posted to my report. Here are the list of items which 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
Product: Credit card or prepaid card

Hi, Capital One closed my credit card account and threatened me for law suit. I had a Capital One credit card during the Covid lock down. Since impacted by the Covid locked down, my hours were reduced. I missed 2 payments and Capital One closed my account and demand me to pay the full amount. That's given I did make up the late payments which they charged my all kind of late fees on. This is not right that we are being treated this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XX/XX/XXXX as a result XXXX XXXX charged off my credit card account in XX/XX/XXXX which is understandable. However, XXXX XXXX reported the charge off again in XX/XX/XXXX and most recently on XX/XX/XXXX. My attempts top to request that XXXX XXXX remove the additional charge of dates has been unsuccessful. XXXX XXXX refuses to acknowledge that erred in reporting multiple charge off dates for the same account. 
Note : Each additional time that XXXX XXXX has reported to the credit bureaus that my account was charged off has caused my credit score to plummet. Also, prior to filing bankruptcy, my credit account was never in arrears.
Product: Debt collection

XXXX resolution group Purchases by Pendrick capital partners They bought a debit and trying to recoop false amounts owed. To see who will dispute amounts. They say on XX/XX/11 I owe {$340.00}.
Product: Debt collection

Calling from different phones numbers to my cell phone and claiming to be calling from a law office. They called from phone numbers XXXX and XXXX ; they never advised on what debt they were collecting, they did not answer me when I asked who they are collecting for, they did not give a dollar amount. Theyre rude and hung up when I asked for documentation. They then called back and advised they are freezing my bank accounts, and seizing my income and properties before court and I will be served for court. & Again they hung up when I advised them to stop calling my phone.
Product: Checking or savings account

On XX/XX/year> i received a wire transfer to my SoFi bank account, which was my portion of the proceeds from the sale of my property. I requested a transfer to an external account, which appeared to post without any issues. Shortly thereafter i received an email stating the transfer was cancelled, followed by another informing me that the account was restricted. I reached out to the XXXX XXXX XXXX per the request in the email, and verified the source of the wire transfer and my personal information. I was then advised that the restriction would be lifted within XXXX - XXXX hours. I waited and then tried to make a purchase at my local XXXX. My card was declined so I called again. Then the agent said the account was still restricted, pending a review. I was denied the opportunity to speak directly with anyone reviewing my account, and also denied the chance to escalate the matter with a supervisor or a XXXX. The agent has refused to provide any estimated time frame for the completion of said review. This has continued over the last 7 days, as I have called daily, sometimes multiple times a day. No clear path to resolution, no access to any higher authority, no clear reason for the restriction, no XXXX for completion. The " internal review team '' do not speak directly with customers they are reviewing, do not have any way to contact them aside from a messaging system accessible only to phone agents, and apparently have no names, either. I have answered the same set of security/verification questions 3 times now, and provided contact info for the source of the incoming wire transfer ( which has not been utilized, as of today ). This is a new account with only XXXX transaction, and it remains unclear what could possibly be left to investigate, or why the review process is taking so long. 
In the meantime, my family continues to struggle because this money was intended to provide financial support for an unforeseen and urgent situation. This bank 's lack of transparency is causing unnecessary distress for myself and my loved ones. Apparently, their current mode of operation consists of a nameless, faceless entity which locks down and holds customers ' money XXXX for an undisclosed reason, an undisclosed amount of time, with an undisclosed person in charge of unlocking it, who then performs some kind of top-secret review process behind the scenes and refuses to interact with the customer directly. This should NOT be allowed to happen.
Product: Credit reporting or other personal consumer reports

I have been in and out of hospitals and rehabilitation facilities for the past 5 years due to a XXXX XXXX XXXX. After reviewing a recent copy of my credit report, I have discovered that someone has used my credit identity without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been challenging this negative account for a year. On XX/XX/XXXX I sent in a dispute asking for an investigation in reference to the account after 45 days. I received a copy of the credit report that the account was verified as accurate. After reading the laws there was no way they did an investigation and the account was reporting accurate. So, I sent in another letter in XX/XX/XXXX disputing the Date Last Activity which is reporting inaccurate and erroneous information Transunion XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, Date Last Activity came back verified. I disputed the High Balance Transunion {$4700.00}, XXXX  {$0.00}, XXXX  {$4700.00}. this came back verified. I disputed the last payment Transunion XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. this came back verified. the Credit limit was disputed Transunion {$4000.00}. XXXX  {$4000.00} and XXXX  -. The Account close date XX/XX/XXXX per Transunion and XXXX  and XXXX  not reporting a close date but still reporting CO in the 2year payment history.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION 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 ( MONTHS REPORTING LATE ) 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.

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!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have been trying for almost two weeks to fix a problem so that I can log in to my online account with Transunion credit bureau. I have called them 4 or 5 times. They reset my account each time which lets me login. However, the next time I attempt to login the account is locked again. I get an email from them saying they are unable to validate my account. I have been escalated to a supervisor who assured me that the problem was fixed. It was not. I had the same issue with the account being locked. I went through the process again and finally had another callback from a supervisor who said that they could not fix the problem and someone from " maintenance '' would call me within 2 days. That was 5 days ago and have received no communication from them. I have spent 5-6 hours on the phone on hold or trying their " fixes '' during the past 2 weeks. I need to be able to manage a freeze on my account and get my credit report. By the way, now my wife 's account is locked up also. Transunion 's customer help is beyond bad. It is some of the worst I have ever experienced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove a Chapter XXXX Bankruptcy from my Credit Report. On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I mailed TransUnion, XXXX & XXXX asking them to provide me documentation they used to verify this Bankruptcy and also provided them with a letter from the United States Bankruptcy Court that verifies they do not send information to any internet search engines or credit reporting agencies. Only TransUnion responded within 15 days but did not provide any documentation. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and therefore, the Bankruptcy must be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an error on my credit report stating that in XX/XX/2020, we were 30 days late paying our mortgage. I have supplied the credit bureaus, especially Experian, with the correct information. I even supplied a letter from the mortgage company stating it was their error and we were never late. This has taken more than 4 months and several disputes & is never corrected. I have spoke, to the mortgage company & they have stated that they submitted the correct information to all credit bureaus, yet nothing has changed.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!
Product: Mortgage

Shellpoint Mortgage Servicing without my knowledge or permission placed me into a deferment status that I never authorized. I am now trying to refinance my home and am unable to do so because of the status Shellpoint put me in.

I have not missed any payments and my account always has been and is currently current. 

Because of their actions it is preventing me from taking advantage of the currently low rates and they are going to cost me thousands of dollars in savings each year. 
Thank you in advance for your help in this matter
Product: Debt collection

On XX/XX/2021 I sent a debt validation request to this company, and rather than validate the debt I was sent a detailed list of my medical records without verification of identity needed to access Private Health Information. This also included my current healthcare provider which is highly sensitive. This is a direct violation of HIPAA regulation as I have never signed a HIPAA release form authorizing them to have, and distribute this information so carelessly.
Product: Consumer Loan

Took a loan with Big picture loans they continue to change payment amounts and XXXX which I have already paid that amount over XXXX every two weeks since XX/XX/2017 and the payoff is XXXX over XXXX dollars in payments no principle reduction and they say it will be paid off in 3 years
Product: Money transfer, virtual currency, or money service

I have made payment of XXXX $ through XXXX in bank of america. I just realized online retailers scammed me and i want to recall this transaction. But when i call bank of america they said they cant do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Transunion today, X/XX/2017, asking them to remove XXXX credit inquiries I did not authorize. I was told I needed to get a letter asking the that the inquiry be removed, from the company who pulled my credit report. I authorized XXXX XXXX to pull my credit report. I was very specific about my credit report only being pulled one time. Instead my credit was pulled by XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. In addition XXXX XXXX has pulled my credit 4 times in 3 months, XXXX pulled my report and XXXX XXXX XXXXXXXX. I did not authorize any of these credit pulls. I have a fraud alert on my file due to ID theft and Transunion still lets just anyone pull my credit. At no time did I receive a call asking if I had authorized these companies to pull my credit report. What is the point of placing a fraud alert on my file if it is just going to be ignored!
Product: Checking or savings account

From XX/XX/XXXX till XX/XX/XXXX there were hundreds of fraudulent withdrawals from my checking account totaling more than {$16000.00} dollars. Chase Bank originally put monies back into the account and then a week later took it back out. We have been talking to Chase officials since XX/XX/XXXX to no avail. They often hang up on me or drop the call while I am on hold. I really Need some help or guidance.
Product: Credit reporting or other personal consumer reports

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

I am filling a complaint against cash app ( Block , inc ) due to an adequate customer service and unfair practices, which violate The Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures To prevent an address fraud on their platform leaving my account, vulnerable and unprotected furthermore, their dispute resolution was unfair and deceptive as they did not comply with error, resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and regulations. these actions have caused significant inconvenience and financial loss I seek appropriate redress for these violations.
Product: Debt collection

On XXXX, I started receiving collection letter from Radius Global Solution LLC under behalf of XXXX XXXX I called that company to find what was about, they explained me that I have a unpaid credit line for almost {$10000.00}, which I explained them that I have never requested or opened a credit line with them. So I called XXXX XXXX and they told me same information and that the account was opened in XXXX. Immediately I made a request report. Days past and no word from them. I went to XXXX XXXX and I saw my score was extremely bad, then I called them again filing a new complaint, but basically they told me they would investigate and the results came back and made me responsible of that debt. today XX/XX/XXXX after several complaint, XXXX XXXX wants to make me pay a debt is not mine, including receiving calls from them telling if I don't pay they will take legal actions against me. This situation is affecting my life because I unable to do any king of business or preform work base on my career.
Product: Debt collection

I received a call at XXXX on XXXX/XXXX/16 from Sunrise Credit Services XXXX The woman stated that she was calling to collect a debt and when I proceeded to ask questions about where the debt was coming from. She asked if I filed for bankruptcy and if my co-signer had filed which was odd because I have not filed and my mom had filed in the pass which has nothing to do with my current situation. I asked again what company was this from. She said XXXX which is the originator but it actually is from XXXX XXXX Loans. She told me that she wanted to get this resolved or else wages will be garnished or they will have to sue. I was so upset because I have never heard this before and this was my first time communicating with anyone from Sunrise Credit Services. I told her that I will let my lawyer know and he will be in contact. She persisted to try and get my lawyers contact info and I repeatedly told her that I will let him know to contact them. She was n't satisfied with the answer but I finally was able to end the conversation.