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 capital one 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 those account 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, credit repair services, or other personal consumer reports

There is an auto loan on my account that was with XXXX XXXX XXXX XXXX. It was included in my now discharged XXXX XXXX bankruptcy, surrendered to a third party, my ex husband. XXXX XXXX XXXX XXXX did not file a reaffirmation agreement with the court. That is XXXX them!! The ex husband made a separate agreement with XXXX XXXX XXXX XXXX to pay off the vehicle and has been paying it, in fact paying it off this month. XXXX XXXX XXXX XXXX continues to reflect this negative reporting on my credit, I have disputed with XXXX 4 times and XXXX XXXX XXXX XXXX XXXX time. I have also an open dispute with XXXX as it appears they reported it accurately in XXXX but XXXX XXXX XXXX XXXX reported it again negatively in XXXX. Same occurrence on Transunion it was shown accurately on Transunion reporting " included in bankruptcy '' for months, and now they have reverted back to showing it as a charge off. 
I will continue to fight this until the XXXX credit bureaus show it accurately as " included in bankruptcy '' as XXXX XXXX XXXX XXXX is being deceptive and lying in that they have a separate payment arrangement made with my ex husband, that has nothing to do with me as surrendered the vehicle in XXXX. This is wrong, and it is damaging to my credit reporting preventing me from being able to obtain financing on a new home. As a single hard working mom, I will always fight for what is right to defend my home, my son and our livelihood.
Product: Debt collection

Resurgent Capital Services aka Cach LLC purchased a loan in my name from XXXX, a recent credit report shows the account sold to Cach LLC with a balance of {$12.00}, XXXX. The original loan amount is {$6800.00}, it appears XXXX kept adding on interest and fees after payments ceased due to dispute over terms including interest rate. XXXX has numerous complaints/horror stories on several consumer review sites including XXXX in regard to their high interest rates. Further, it appears they do not take into account credit score when calculating interest as they seem to charge everyone the same high rate of 35 %. Additionally, the account is being reported as over 180 days when last payment was made in 2015, which is well over 180 days. I believe the reason for error in reporting and additional interest is an attempt to collect on debt and harm my credit score. Prior CFPB complaints were made against XXXX regarding interest and terms, none resolved. XXXX and the issuing bank, XXXX, both have complaints against them about this issue. I attempted to resolve complaint with XXXX XXXX at XXXX, he defended high interest rate regardless of my credit score at time of application, nothing was resolved. I also attempted to contact XXXX XXXX at XXXX, the number I called from was blocked so calls would not go through. To confirm this, I called from a different number, call went through but the rep stated XXXX does not accept calls. This loan was applied for online and nothing signed, no forms with my signature. That being said, XXXX has no proof of what was agreed upon, if anything. Please advise Resurgent Capital Services of this information should they make attempts to collect on this debt which includes legal action, also I refuse to pay due to high interest rate which was not agreed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Subject : Request for Removal of 30-Day Late Payment Mark from Credit Report Due to Inaccuracies Dear Sir/Madam, I am writing to dispute the accuracy of the 30-day late payment mark that appears on my credit report provided by XXXX. After carefully reviewing my payment history, I believe this late payment mark is inaccurate and unfairly impacting my credit score. I kindly request that you investigate this matter and remove the late payment mark from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/2023 Inconsistencies and Violated FCRA Sections : XXXX. XXXX*Inconsistent Reporting - FCRA Section 623 ( a ) ( 1 ) ( A ) : ** XXXX reports a " No. of Months ( terms ) '' as " 18, '' while XXXX shows it as " XXXX. '' This inconsistency in reporting violates FCRA Section 623 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to provide accurate and complete information to consumers. 

XXXX. **Reporting Credit Limit for Installment Account - FCRA Section 605 ( a ) ( 6 ) : ** XXXX, TransUnion XXXX and XXXX report a " Credit Limit '' of " {$0.00} '' for an installment account. However, installment accounts do not have credit limits, and reporting such information is inaccurate under FCRA Section 605 ( a ) ( 6 ).

3. **Inconsistent Past Due and Payment Status - FCRA Section 607 ( b ) : ** The " Past Due '' amount and " Payment Status '' for the XXXX XXXX account are reported differently across all three credit bureaus. XXXX reports a " Late 30 Days '' status, whereas TransUnion and XXXX do not specify any late payment status. This inconsistency in reporting the payment status violates FCRA Section 607 ( b ), which mandates accurate information maintenance and consistent reporting across credit reporting agencies. 

XXXX. XXXX XXXX XXXX XXXX - FCRA Section 623 ( a ) ( 2 ) : ** The presence of a 30-day late payment mark on my credit report is inaccurate and is negatively affecting my credit score. FCRA Section 623 ( a ) ( 2 ) requires credit reporting agencies to promptly correct and update any inaccurate information in a consumer 's credit report. 

I request that you conduct a thorough investigation into these discrepancies and remove the 30-day late payment mark from my credit report as soon as possible. Once the correction has been made, I request that you provide me with written confirmation of the update, as required by the FCRA.

Enclosed with this letter are copies of supporting documentation that substantiate my claims regarding the inaccuracies in the late payment mark. I urge you to address this matter urgently to restore the accuracy of my credit report.

Thank you for your attention to this request. I look forward to a swift resolution and the removal of the 30-day late payment mark from my credit report. 

Sincerely,.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ; XXXX  account # XXXX has violated my rights. 
XXXX  account # XXXX has violated my rights affirm account # XXXX has violated my rights XXXX  account # XXXX  has violated my rights XXXX. XXXX, XXXX account # XXXX has violated my rights XXXX XXXX  account # XXXX has violated my rights 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
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed a collection on my credit report from XXXX XXXX XXXX XXXX stating that this company does not have a lisence to collect in the state of Illinois and to remove from my credit report. 

Experian the next day updated the credit report with a different address of XXXX XXXX XXXX. No research, no removal. 

I am asking they provide proof of their collection agency license as well as validate the original debt that they claim I owe with signature.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Subject : Formal Complaint Against Experian for FCRA Violations and Failure to Address Credit Dispute on several occasions. 

Dear Consumer, Financial Protection Bureau, I want to file a formal complaint regarding Experians repeated failure to properly address and investigate multiple disputes I have filed regarding incorrect information in my credit report. I am in the process of purchasing a home for my family, and the inaccurate information on my Experian report is directly impacting my ability to obtain credit for this crucial life event. It is distorting my character and tarnishing my personal finical image. 
Despite my numerous attempts to dispute the inaccuracies of my report like every consumer under the law, Experian has consistently responded with the same template letter stating that they are unable to process my dispute. This is unacceptable and a clear violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I am entitled to a reasonable investigation of any disputed information, yet Experian has failed to provide this. 
Their ongoing refusal to conduct a proper investigation or provide any meaningful resolution shows non-compliance with federal law, and their actions ( or lack thereof ) have caused significant harm to me and my family as we attempt to secure our home. 
I Respectfully demand that Experian conduct a thorough, in-depth investigation into the inaccuracies on my credit report, without taking shortcuts or relying on automated responses. I have a comprehensive paper trail of every communication I have sent and received from Experian, and I am prepared to provide these documents to substantiate my claims. 

As a consumer, I am entitled to have my disputes properly addressed, Respectfully XXXX and XXXX have in fact complied with the law and have updated and have removed several same entries and erroneous information also found on Experian Consumer Report Why has Experian Not Deleted the Information, When XXXX And XXXX Have already removed the same information being disputed, As I consumer I have the right to a Maxim accurate credit report not a little not the minimal the maximum, its apparent with Experians blatant disregard for this process is a violation of both my rights and the FCRA. I respectfully request that the CFPB take swift action to hold Experian accountable and ensure that they comply with the law. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Product: Credit card or prepaid card

I received an Indigo credit that I didn't apply for, I called the company and informed them that I didn't apply for the card and that I wanted them to close it. They said that it would be closed, so I sherried the card. so yesterday when I was trying to get my credit score I noticed that it had changed from XXXX to XXXX. So I pulled up my report and, the Indigo card was there. So I tried to call them three times, but all I got was a recording, that cut off after stating that my account was going to be sold. So at this point all I want is for it to be fixed. This is the phone number I XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy. I received the letter with my dispute results from XXXX, Equifax, and XXXX and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.
Product: Credit reporting or other personal consumer reports

Equifax Information Services, LLC XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I am writing to formally dispute the accuracy of information on my credit report maintained by your agency, as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Upon a thorough review of my credit report, I have identified several inaccuracies that require your immediate attention. The following details outline the discrepancies : 1. **Name Inaccuracy** : - My full legal name is XXXX XXXX . However, the report inaccurately lists additional names, specifically " XXXX XXXX XXXX '' and " XXXX XXXX XXXX. '' These erroneous entries not only misrepresent my identity but also pose a significant risk of XXXX XXXX. 

2. **Address Inaccuracy** : - My current and only valid address begins with XXXX. Any other addresses listed, including those starting with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, are incorrect and potentially expose me to fraudulent activities. 

3. **Employment Inaccuracy** : - I am currently employed solely by XXXX XXXX XXXX . Any other employers listed on my report are inaccurate and must be promptly removed to ensure the integrity of my credit profile. 

These inaccuracies not only jeopardize my financial well-being but also place me at an increased risk of identity theft and fraud. I am enclosing supporting documentation to substantiate my dispute and request that you update your records accordingly. 

I urge you to take immediate action in accordance with the FCRA to rectify these inaccuracies and prevent any further harm. As a law-abiding citizen, I am entitled to the protection afforded by the FCRA, and I expect nothing less than full compliance from Equifax Information Services , LLC . 

Please confirm receipt of this dispute letter and provide a timeline for resolution. Your prompt attention to this matter is greatly appreciated. Failure to address these concerns in a timely manner may result in further legal action. 

Thank you for your cooperation and swift resolution of this matter. As I { XXXX XXXX } have now informed and made the CFPB aware, it is your duty to protect me as a person to be represented as my actual self, by my legal right. 

Sincerely, XXXX XXXX { Myself as a person, not a robot or any other misrepresentation or any other form }
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts listed on my credit report that aren't mine. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX. 
account # XXXX. 
account # XXXX. 
account # XXXX. 
account # XXXX, has violated my rights.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not secure their servers well enough to stop me from being a possible victim of identity theft. I will have to spend the rest of my life meticulously checking my credit reports every week because my SSN and personal information I can not change are on the internet due to their negligence.
Product: Credit reporting or other personal consumer reports

I filed a dispute on, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX still showing on my credit report, due to the incorrect information and i did not do business with the company that has my information false information. Experian denied to follow up with the investigation. I recently was notified that CFPB had filed a lawsuit against the company ( experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. Experian has not attemped to remove, nor correct and information. I'm requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting a house. Experian violates my rights as a consumer, as well as federal laws.
Product: Debt collection

NOTICE OF CLAIM, BAD FAITH CLAIM, REGULATION E REVOCATION 1. Misconduct During Active Review : On XX/XX/year>, XXXX XXXX submitted a written request for a response extension to XX/XX/year>, acknowledging the CFPB complaint was under review. Despite this, they referred the loan to foreclosure on or about XX/XX/year> ( see attached XXXX  ). This constitutes : A violation of good faith under 12 CFR 1024.41 ( f ) during a pending resolution, A misrepresentation of account status, as no late payments appear on any credit report ( XXXX XXXX XXXX ), A deceptive act under UCC 3-301, as XXXX XXXX continues to claim status as owner/XXXX with no assignment XXXX prospectus, or recorded trust authority. 

2. Confirmed Evidence of No Standing : USAA, the originating lender, confirmed via CFPB complaint ( USAACFPBComplaint Detail.pdf ) that it did not assign the mortgage. 

MERS also confirmed no assignment has occurred. 

No assignment exists in XXXX County Clerks records, as attached ( XXXX  ). 

The asset has been converted to a mortgage-backed security ( XXXX XXXXXXXX ), and is no longer enforceable under UCC Article 3 without trust or custodial proof. 

XXXX. XXXX Is Not the XXXX : XXXX XXXX claims to be the owner of the loan but : Has not produced a valid bill of sale, Can not prove lawful negotiation or endorsement of the note, Continues to act without recorded assignment, violating XXXX XXXX XXXX & XXXX and 15 U.S.C. 1641 ( f ) ( 2 ). 

Requested Resolution : Immediately halt all foreclosure actions until lawful ownership is proven. 

Compel XXXX XXXX to : Produce the chain of title, Submit the alleged assignment or servicing agreement, File a certified statement confirming its legal standing, if any. 

Refer XXXX XXXX to the XXXX XXXX XXXXXXXX XXXX and/or FTC for deceptive servicing conduct. 

Require XXXX XXXX to update all consumer credit reports to reflect that : No late payments were made, The account is under dispute, Foreclosure was initiated in violation of open federal investigation.
Product: Credit reporting or other personal consumer reports

I believe I have fallen victim to identity theft. As a result, I have been advised by the three major credit bureaus to file a police report. My personal information has been compromised and has appeared in several data breaches. I believe this situation violates the Fair Credit Reporting Act. ( FCRA ), 15 U.S.C. 1681 et seq, as well as 18 USC 894 and UCC 3-401. Below I have outlined the accounts in question. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please note I am asserting my rights under UCC 1-308 without prejudice, and reserve all rights related to this matter. Additionally, the following name does not belong to me : XXXX XXXX, I've never lived at the following addresses : XXXX XXXX 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 or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  : # XXXX, has violated my rights. I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

For the past couple of months, my husband and I have been receiving emails from Sequium at least twice a week, claiming we owe a debt to XXXX. This debt is incorrect, as we cancelled our XXXX account before we moved. Despite this, Sequium has continued to email us persistently, causing unnecessary stress. 

To resolve the matter, I attempted to pay the alleged debt over the phone. During the process, after providing my credit card information, the call dropped just before the payment was completed. This incident has left me worried about the security of my personal information and whether it may have been misused. 

When the emails persisted, I tried to pay the debt online. After entering my credit card details and completing the process, an error message appeared stating the payment ticket had expired. I am now unsure if my credit card information was captured or handled securely during these transactions. 

Additionally, Sequium makes it extremely difficult to contact customer support. There are no clear or effective means to reach a representative to resolve these issues, leaving us without a path to clarity or resolution. 

I believe Sequiums practices are unreasonable, and their communication methods are creating undue stress for my family. Their handling of my personal information during these failed payment attempts also raises serious concerns about data security.

I am requesting the CFPB investigate Sequium Debt Collector regarding the following : The accuracy and validity of the alleged debt they are attempting to collect. 
Their excessive and potentially harassing communication practices. 
The security of their payment processing systems and whether my credit card information is at risk. 
Their failure to provide accessible customer support for resolving disputes or concerns. 
Thank you for your attention to this matter. I hope your office can assist in addressing these issues to prevent further stress and ensure that Sequium operates within the bounds of fair and ethical collection practices.