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

My account with Equifax 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 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.

Equifax 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 card

I have some issues regarding my Amazon Store Card account, I was hoping that someone would help clear-up : In XX/XX/XXXX after using the same password when logging into my online account since I first opened my account, my password no longer worked. I called customer service about this so I could make a payment, they said they had my bank account info and would process a payment. I also asked for a replacement card at that time. Unbeknownst to me, my XX/XX/XXXX payment which I made online had not been credited! Then later in XX/XX/XXXX, I received a letter that said my account was delinquent, to my great surprise. Now both of my last XXXX payments made failed on their end and my account was n't credited! So I sent a personal check payment along but did n't have time to call because I was going to be out of town for awhile. 

On XXXX XXXX, I had time and called customer service again, my first XXXX attempts I was hung-up on after holding for very long times. After a hour of trying to speak to a rep, I was finally successful and got to speak with XXXX about the events that occurred. We spoke about how my payments were n't being credited, which she could n't give me a reason for. We also discussed how my passwords were n't working and how I was unable to access my online account, again she did n't know why. She helped me access my online account and told me I had n't been charged any online late fees and that I was in good standing. XXXX also said she would send me the replacement card I had n't received from my last request. 

On XXXX XXXX, I called customer service again because my new password was n't working again and I was unable to access my account. I again had to request a replacement card because I still had n't receive one since the last XXXX requests. Once online I now could n't view all of my previous statements, even though I was always able to in the past. 

Of greatest concern is that in XX/XX/XXXX, I received a copy of my credit report and saw that Synchrony Bank reported me as delinquent past XXXX days in XX/XX/XXXX. This is unfair considering my attempts to make payments and access my online account failed due to problems at Synchrony Bank. I ask that Synchrony Bank fix this and remove this blemish off of my credit report immediately. 

Overall the experience recently with SB bank has been very disappointing, frustrating, and time consuming. I never had problems with this account before Synchrony Bank took over my account from GE. I look forward to hearing from someone from Synchrony Bank regarding the negative mark left on my credit report.
Product: Credit reporting or other personal consumer reports

I discovered several inaccuracies on my credit reports from XXXX, Experian, and XXXX that have not been resolved despite submitting disputes to the credit bureaus. These errors include incorrect reporting of late payments, charge-offs, and account closures. Specifically : XXXX XXXX : This account was reported as a charge-off, but the charge-off date is incorrect. The account was settled in XX/XX/XXXX, but it is still reported as a charge-off through XX/XX/XXXX. 

XXXX : There are inconsistent late payment reports for XX/XX/XXXX. XXXX reports the account as 60 days late, while XXXX reports it as 30 days late. 

Dept of Education ( XXXX ) : Multiple accounts under XXXX are reporting XXXX late payments for XX/XX/XXXX, but the reporting of prior months ' statuses differs across bureaus ( some report " OK '' while others show " Unknown '' ). 

XXXX : This secured loan account was settled in XX/XX/XXXX, yet the derogatory status continued to report until XX/XX/XXXX, which is inaccurate. 

XXXX  XXXX : This credit card was closed due to inactivity, but there are discrepancies in the reporting of the last payment and activity dates across the bureaus, leading to inaccurate reporting. 

I have contacted the credit bureaus to dispute these inaccuracies, but they continue to report conflicting information. I am requesting that the CFPB help facilitate the removal of these errors from my credit reports as they are impacting my creditworthiness. 

Actions taken : I submitted formal disputes with each of the credit bureaus regarding these inaccuracies. 
I provided supporting documentation to the bureaus, including settlement confirmations and payment records, to prove the errors. 
Despite this, the errors remain unresolved. 

Disputes were submitted to the credit bureaus all of XXXX The inaccuracies date back to between XXXX and XXXX, depending on the specific account.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that. XXXX. INQUIRIES : XXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX Please remove this inaccurate information from my credit report. ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX. MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, GA XXXX REMOVE ANYTHING ELSE THAT ISNT THAT.PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION XXXX XXXX XXXX XXXX [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I opened a line of credit as a temporary measure for upcoming bills. The APR was astronomical ( 299 % ) and was difficult to pay off, but I did so by XX/XX/XXXX. I called in, finalized my last payment, and asked to close the account. I was assured the account would be closed. I also asked if there was any interest that had not been shown on the last statement which might accrue after the next billing cycle. I did this to prevent any unknown charges going forward. Again, I was assured that all the outstanding interest was taken care of with the last payment, and that the account would be closed. I asked these questions more than once, to avoid any miscommunication. I never received any correspondence stating the account had been closed, but didn't hear anything further and checked my account after the next bill had cycled and no further interests or payments were due. However, after almost 9 months of no communication from the Check Into Cash company, I received an email onXX/XX/XXXX stating I had am upcoming minimum payment of {$10.00} due onXX/XX/XXXX. I received another email this morning ( XX/XX/XXXX ) concerning the same {$10.00} payment due on XX/XX/XXXX, and the email encouraged me to log onto my account and to make a payment. It was at this point that I called the company, and was transferred twice between various departments, finally speaking with a gentleman named XXXX. XXXX did some research and said it appeared that a {$10.00} membership fee had been posted to my account due to a technical error. He couldn't really explain how this error occurred, he said it was something that was missed by the person who closed my account for me. What if I had closed that email address, and this {$10.00} increased with interest and affected my credit?
Product: Debt collection

my delinquent account is with AFNI Collection Inc. i am regularly paying {$50.00} a month no payment short but still i received calls from their office ask me to verify my DOB or SS. I told them aim paying as agreed and no payment is short then why i am receiving call. But they just have a good day and hang up.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, XXXX, and XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, these credit reporting agencies has consistently responded within 24 hours stating that the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i, Which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure these companies complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts names that I have requested review due to inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

A fake company called Speedy Cash loans sent me an email on XX/XX/2019 about being approved for a loan up to {$2000.00}!! Kept getting calls from them ( XXXX ) XXXX! I talked to a guy named XXXX with an XXXX accent! He asked me to pay {$50.00} down due to bad credit! Asked me to get a card ... XXXX  or XXXX XXXX XXXX after I asked to pay with my credit card! Went to XXXX XX/XX/XXXX and got a {$50.00} XXXX XXXX card! Called back and he asked for {$140.00} more! I finally caught on and told them Im gon na get them for ripping off a XXXX woman! Ive had a lotta credit checks without getting the loans..
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 : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions. 

Since these unrecognized inquiries may harm my XXXX XXXX and financial stability, I urge you to address this matter without delay. Your prompt attention to this issue would be greatly appreciated. 

XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Product: Mortgage

I was approved for Homeowner Assistance Fund payments in late XXXX. I received an award letter for my entire past due balance of {$27000.00} and 13 months of forward payments ( {$1600.00} ) on XX/XX/2022. 

I was contacted by my HAF counselor and informed that the past due check was sent on XX/XX/2022 and that forward payments would begin on XX/XX/2022. 

I have contacted my mortgage company several times and have been unable to find out if they have received any payments. I was initially told in the end of XXXX that they received my approval letter and that my account was in the loss mitigation closing department awaiting the payment from HAF. I called again and was told that no payment had been received yet but someone would call me within 24 hours to let me know the status of my account. I did not receive a return phone call. 

I waited a couple of weeks and called back and was told the same thing. No payment applied, no return phone call. 

I have placed several phone calls to my mortgage company and can not find out any information about any payments made to them or the status of my account. 

Please advise as to my next steps.
Product: Debt collection

I have no acknowledgment of this account XXXX XXXX XXXX XXXX
Product: Credit card

I booked a hotel reservation on XX/XX/XXXX XXXX over the phone with reservationstays.com and what I thought was the direct hotel line for the XXXX XXXX XXXX in XXXX XXXX MI. The person named XXXX who helped with booking the reservation said that she was going to provide a discount for the reservation and it will be {$120.00} for the booking but instead they charged my Discover credit card {$240.00}. I gave her my credit card number and then received a email with a receipt confirmation with no total amount. I will attach that receipt to this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THIS ACCOUNT. BLOCK AND REMOVE IT. 
XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
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 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I wanted to get started XXXX with my PNC account. 
but It seems like bank protect my bank some reason. 
It says PNC has made a change that prevents you from being able to link your accounts. 
Would you fix this problem?
Product: Student loan

This past year I officially changed career fields to follow my passion, going from business to education. Taking advantage of the  XXXX   Grant (  {$8000.00} upfront for school fees in exchange for serving in a high need field in a low income school ) allowed me make this change.     I am now fulfilling the goal of the program working as an  XXXX    XXXX   in a   XXXX   XXXX   XXXX    (   XXXX   XXXX   XXXX   XXXX ,  XXXX , MN ). Recently, I received notice that my {$8000.00} grant was turned into a loan that I have to repay because I did not follow their fine print rule of informing them that I am in fact fulfilling the goal of the program. They sent three notices by email that went to my junk mail before I could read them, and then they sent a piece of real mail to my house stating that my grant had been converted. They claim there is nothing I can do to reverse it.     I believe it is unjust that I could so easily be robbed of my grant when I am fulfilling the goal of the program. Additionally, the fact that I did n't receive a paper copy notice until it was too late makes their communication process seem inadequate.
Product: Debt collection

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit. 

I am not liable for this debt with MIDLAND CREDIT MANAGEMENT. I do not have a contract with MIDLAND CREDIT MANAGEMENT. They did not provide me with the original contract as requested.
Product: Credit reporting or other personal consumer reports

I have Account Review Inquiries being reported on my XXXX credit report They are three unauthorized Account Review Inquiries 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 am filing this complaint against Sheffield Financial ( a division of Truist Bank ) for their failure to correct inaccurate credit reporting that has caused severe financial harm to my credit score. 

I financed a XXXX XXXX XXXXXXXX through XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
Due to being a victim of fraud and grand theft, I temporarily paused payments after discussing with the XXXX XXXX XXXX XXXX XXXX that the criminal responsible was expected to pay restitution directly tXXXX XXXX XXXX XXXXs part of a plea deal. 
I notified XXXX XXXX of this information, and after legal delays in the case, I noticed they reported my account as 60 days late, which immediately dropped my XXXX XXXX by over XXXX points. 
The second I noticed this, I brought my account current per our agreement, yeXXXX XXXX XXXX still refuses to remove the late payment designation from my credit report. 
My official loan statements from XXXX XXXX  show my account as never late, yet they are reporting false information to credit bureaus. 
They initially agreed to discuss a settlement, but after I proposed a lower amount, they reneged the settlement offer and continued to harm my credit standing despite my good faith efforts. 
This inaccurate reporting has made it impossible for me to obtain fair financing, as my XXXX XXXX has dropped from around XXXX to below XXXX, despite my loan being current and in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 CORELOGIC CREDCO has accessed my credit report from XXXX, and XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
Product: Credit card or prepaid card

I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, LA Fraudulently added numerous inquiries on my Consumer Files. 
XXXX XXXX XXXX Also inquiries are not connected to accounts, private information, and illegal 3rd parties furnishing information
Product: Bank account or service

Wells Fargo Bank was selling at auction a repossessed house located at XXXX XXXX XXXX, XXXX, VT. I was the winning bidder on XXXX XXXX through XXXX. I was given a settlement date of XXXX XXXX, 2016, signed the required contract, and submitted the required earnest deposit. Each stage of the operation was handled by a different contact. Starting 5 days before settlement, I contacted my contact and asked what was needed to settle -- I received silence at first and then was told Wells Fargo had not downloaded the title and they could not settle. I asked where that left us and they said they would settle as soon as everything was in place. As soon as I asked if this was a breach of contract, I no longer received replies to my emails or phone calls. Then on XXXX XXXX, I received an email from a new outfit -- XXXX, telling me they were ready to settle but I needed an attorney. I hired an attorney, she contacted them and has received NO response and is frustrated herself -- at XXXX per hour! They are well over a month from closing date and -- nothing!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My son applied for an auto loan and I was the co-applicant of that loan through XXXX XXXX XXXX XXXX XXXX. We applied for a pre-approval application online for an auto loan on Thursday, XX/XX/2019. We got pre-approved on Friday, XX/XX/2019. I provided my personal information to them which included my social security, pay stubs and my drivers license and my son provided his personal information to them. They called me today, XX/XX/2019 at XXXX am and told me that they have pulled my credit report and my date of birth does not match the date of birth that I have provided to them. They told me to provide them with a letter which will state that my date of birth has been corrected.