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

My account with XXXX XXXX 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 XXXX AND XXXX 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. 

XXXXXXXX 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: Debt collection

In XX/XX/XXXX I lost my job and couldn't pay on an unsecured installment loan from XXXX. I had been making payments up until the point I lost my job so the balance owed was only {$2900.00}. It went into Collections where XXXX XXXX XXXX ( XXXX XXXX XXXX ) took over for recovery. They then put a judgment on me. I had signed a confession of judgment which I would it was my bill and made arrangements with them to take {$50.00} a month out of my check. This went on for 5 years from XX/XX/XXXX. I had paid them {$2700.00} over that time and they stopped taking money out of my bank account so I thought the bill was satisfied. It was only until this month XXXX when I tried to refinance my home that I found out they had put a {$4000.00} lien on my property. I called XXXX and tried to find out why. They had advised me that I defaulted in my payment arrangement by not recertifying with them to take money out of my account which I have never done for the 5 yrs they were doing it. They said I was sued ( with no notification or summons for me to appear in court ) and pre-judgment, post judgment plus other fees were added totally now {$4600.00}. 
I was very upset since I cooperated fully with repayment and was doing my part to clear up this debt. I am also very upset that paying in good faith they could not settle the balance owed as paid in full as a lot of creditors do since the left balance was only {$280.00}. I tried to explain that I DID NOT default in my payment arrangements but THEY DID by stopping my payments. They were uncooperative as to helping me rectify this as I pleaded since the balance was only {$280.00} I would pay and they could take lien off and they told me they could not do that because now the creditor wants all their money. I am very upset and would so like to clear this matter up. I do not have {$4600.00} and feel THEY defaulted me and THEY SHOULD clear this up for me. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about Equifax. Over the past 12 months, I have had several medical bills. I pay them all promptly, as I do all my bills. I was taken to XXXX XXXX XXXX Hospital 's emergency room on XX/XX/XXXX. I was required to make some payments while being treated, and got some bills later from a doctor who saw me, and other amounts were covered by insurance. The Hospital never contacted me about an outstanding bill. Nevertheless, at some point the Hospital referred an amount of {$290.00} to a collection agency in Florida. I had never been contacted by the collection agency either. On XX/XX/XXXX, I got a credit alert that the matter had been referred for collection and that Equifax was the source for the credit alert. I contacted the Hospital and paid the amount on XX/XX/XXXX. Equifax investigated and found no other problems. However, my credit card company sent me a notice on XX/XX/XXXX that my FICO score dropped 131 points based on a score provided by Equifax. I called Equifax on XX/XX/XXXX, and their representatives claimed that they only provided information but not a FICO score. I called my credit card company and they verified that Equifax provided the FICO score. I can only conclude that Equifax is not being truthful. I see no justification for the drop in my FICO score and would like you to assist me in getting it restored.
Product: Credit reporting or other personal consumer reports

Please remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting
Product: Debt collection

Impersonating officials from XXXX County to obtain my location. I do not owe any debt and all erroneous debt collection attempts have been addressed by the attorney general.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Consumer Adjustment Company added negative remarks on my credit report from XXXX dropping my score XXXX points. I have never had an account with XXXX or Consumer Adjustment Company. I have never received a call nor letter from either Consumer Adjustment Company or XXXX. It shows this account was opened on XX/XX/XXXX and has a balance of {$2900.00} This is not my account.
Product: Credit reporting or other personal consumer reports

I was trying to get XXXX XXXX jobs as well as a loan And I couldn't even open a bank account on something I have no clue about
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1980 RE : You Violated The United States Code Law 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 instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 

XXXX XXXX Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. 
Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX Account number : XXXX, Please remove it from my credit report. 
Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX  Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my consumer credit report and i noticed payments posted on my credit report : DISCOVER BANK under the account number XXXX. Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates. Did i give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ) the term : consumer report does not include- ( A ) Subject to section 1681s-of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. i demand a refund any alleged late payments that was charged and i demand you to Delete the above late payments from my consumer report this agency is in violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2700.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In According with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights 15 U.S.C 1681 Section 602 A. states I have a 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 written instructions
Product: Debt collection

I made an offer to a debt collector. They accepted my offer. 
I sent them a bank check by registered mail. I received the ticket that they had signed and received my payment. I went to the bank and got a photo copy of the cancelled check the debt collector had been paid by. The debt collector keeps calling me saying they have not been paid. They have been paid and I have written proof of it.
Product: Debt collection

This is a request for proof of contract to substantiate CSRS claim. Provide me with a certified copy of an original contract, with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certifications can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. If you can not provide me with a copy of MY signature on a contract, I submit to you that this debt is unverified and reporting it to ANY Credit Reporting Repository is a direct violation of the FDCPA. Continuing collection attempts on this account can and WILL be considered harassment under the FDCPA. 

I DO NOT have any contractual obligation to pay YOU at this point as you have failed to provide ANY proof of that. A copy of an alleged bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. THEREFORE, THIS COMPANY NEEDS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.
Product: Checking or savings account

I contacted support to close my checking/savings account ( early XX/XX/XXXX ) and was told it will closed/no further action was needed. The same day I transfer my remaining funds out of the account into a new account at a different bank. 

Several months later ( XX/XX/XXXX ) I receive a letter saying I owe a balance of {$76.00} and I contact support to be informed that it was due to being charged a monthly service fee the month following when I thought/was told the account was closed ( the {$0.00} balance was less than the amount required to avoid fees ), and additionally there were 2 months of overdraft fees charged. 

When explaining the circumstances to customer support they refuse to waive the amount they say I owe, and the letter I received states this amount may be referred to collections and reported to consumer reporting agencies.
Product: Credit card

The cardholder for these Capital One Credit Card accounts two is a tenant. She used my social security and other private information to add me as an authorized user. 

It wasn't until XX/XX/year>, in reviewing my credit report that I noticed these two credit cards on my credit report. I filed a dispute with all three credit reporting agencies. XXXX has removed the two credit cards from my credit report. XXXX and XXXX have yet to complete the dispute ( filed on XX/XX/year> ). 

I confronted the cardholder/tenant about these two credit cards. She admitted that she added my name as an authorized user. I requested that she call Capital One to remove me as an authorized user. As of today XX/XX/year>, she has yet to call Capital One. 

I called Capital One today XX/XX/year>, they will not assist me because I am not the cardholder.
Product: Debt collection

XXXX - initial complaint This is an additional complaint regarding an illegal repo from XXXX XXXX XXXX XXXX XXXX XXXX after a billing error complaint to XXXX. Repo occurred after XX/XX/22 statement included approximately 2 payments labeled past due but month before statement showed 0 balance past due. Error was brought to XXXX attention and verbally escalated to intent to sending in writing and repo happened after consumer being told that error was fixed and before 60 days were given to submit it writing on XX/XX/22. Illegal repo along with personal belongings being held. Absolute refusal to access to personal belongings. XXXX repoed vehicle and sold vehicle and send demand letter for {$29000.00}. Complaint was filed with Consumer finance. I have now received a demand letter from {$29000.00} From GC Services Limited Partnership identifying themselves as a debt collector. Stating they are trying to collect a debt that I am being accused of owing XXXX XXXX XXXX XXXX XXXX. Information regarding this harassment letter is as follows : GC Services Limited Partnership XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX GC NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX Account- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is practicing Rackteering committing extortion and coercion violating RICO act. This is a clearly a repetitive behavior that has already been addressed by the consumer financial protection agency that identified XXXX guilty of hundreds of illegal repossessions as well as other things. This is a true example of this criminal organization engaging in a repeated illegal behavior. This should be investigated by those who have not accepted bribery from these criminals who have some reason to believe that they can violate the RICO act, not adhere to Consumer Protection Law, and expect no consequences when continuing criminal behaviors.
Product: Credit reporting or other personal consumer reports

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

1

5 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 a
ccount without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The ITEMS listed below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unconfirmed & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to properly investigate the matter by using a third party as their verification provider. I've tried to address this directly with XXXX Credit Bureaus, but despite my efforts, they have been willfully negligent and in violation of XXXX  law. I need this situation to be resolved right away. Please delete the following items from my file : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$260.00}.
Product: Credit reporting or other personal consumer reports

I was shopping for cheaper car insurance and switched to XXXX on approximately XXXX. When reviewing the documentation, I saw reference to how they arrived at my rate, which was pulled from LexisNexis- it showed an at fault accident on XXXX. I was involved in an accident on that day, but the other driver was ruled completely at fault. I have attached XXXX files showing both the information on the report and a copy of the actual police report from the accident showing me not at fault. 

I have requested a copy of the report from LexisNexis in order to dispute the incorrect information. Their automated email with access to the report did not work, and the toll-free number never let me reach a human, it only pointed me back to their web site. It's impossible to get in touch with anyone to get the process started, much less resolve a dispute. 

I have sent the accident report directly to XXXX and they refuse to accept it, instead referring back to the LexisNexis report. The inability to successfully contact anyone at LexisNexis is what prompted me to file this complaint.
Product: Debt collection

For the past six weeks I have been receiving daily automated calls from " The Law Offices of Maury Cobb, a debt collection .... ''. The calls are coming in from multiple local phone numbers in spite of the fact they are located in Alabama. The calls also do not ask for anyone by name ; only that their call is returned to XXXX. I do not have any debt, whatsoever, that is in collection, therefore do not find any reason to " return '' their call. 

Upon further research into this individual/organization, I have found overwhelming information that leads me to believe this is purely a scam if not outright fraud by an individual that has purchased some very old debt, often times debt that was discharged in bankruptcy or long past being collectible under the Fair Debt & Collection Practices guidelines. I also find these phone calls odd as I have never received anything in writing about anything that even resembles outstanding debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my personal information update correctly. My name is XXXX XXXX XXXX XXXX  please remove any other variation of my name. I have several addresses that are not mine showing on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX please remove delete any other addresses they are not mine! Please delete the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they are not mine. My Current Employer is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Please delete/remove any other employer the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX all of these are incorrect and not accurate. I have a unverified information please delete : USBK COURT XXXX OHIO DOCKET # XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When obtaining and reviewing my XXXX  credit report I noticed an inquiry that I did not recognize nor initiate with Bank of America in XX/XX/2018. I initially contacted XXXX  and was advised to contact the company listed on my credit report.

I have since contacted Bank of America to get more information about this inquiry made to my personal credit report without my knowledge.

It was stated by Bank of America that the inquiry was made with a third party company. I have not authorized any such inquiry to my personal credit files.
Product: Student loan

Ive been attempting to pay off my student loans for the last two months. Every time Ive made a payment it will process and say it was accepted. However, a couple days later my account shows a payment reversal.

I've contacted my bank and they confirmed there are no issues with my bank account. I have enough funds to pay off my loans, but Aidvantage refuses to receive my payments. In the meantime, my loans are accruing interests, and the payoff amount keeps increasing. Ive attempted to contact
Aidvantave customer service NUMEROUS times but have never once gotten a person to talk to, even after being on hold for hours. Im just trying to pay off my student debt, but I am unable to.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors.

This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately.

I submitted a dispute regarding multiple inaccuracies on my credit report. According to the FCRA, the agency is obligated to conduct a reasonable investigation into the disputed information within 30 days. However, despite this requirement, They failed to conduct a proper investigation and instead verified the inaccurate information without providing any valid evidence. This violation of my FCRA rights has resulted in ongoing damage to my creditworthiness and has hindered my ability to secure favorable lending terms.

I kindly request that the CFPB instruct this agency to conduct a thorough and reasonable investigation into the disputed information and provide me with a written response within the stipulated time frame. Additionally, I request that the inaccurate information be promptly removed from my credit report due to my rights being violated and sending multiple disputes in the past with no resolution.