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 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 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 that are reported 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. 


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 card

Dear sir, Today, on XX/XX/XXXX, I happened to check the credit card, which your company must have provided. In the morning on XX/XX/XXXX, I had found out the illegal usage on my previous bank credit card ( XXXX XXXX XXXX XXXX ) twice ; therefore, this credit card was closed immediately through your company website. I enclose the document, which has sent to Bureau of Consumer Protection on XX/XX/2023. When I opened the website this morning, I found out that there were several transactions on the closed account with XXXX purchases, which I dont recognize at all because there is no transaction history on my XXXX account side. I enclose all printouts of these illegal JP Morgan Chase Headquarters and the proof of XXXX non-existing transactions. While I checked all illegal transaction records on your company site, I realized the card ending number was different, which ending XXXX. Since I have not received my replacement credit card from your company and your company site indicated somebody used my supposed-to-be new credit card, I sincerely imply the possibility of thief of this card. I, also, enclose the proof I ordered my new usable card, which is usable safely, legally, and ethically by me. 

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

To whom it may concern, last year I was at a car dealership looking to finance a new vehicle. I informed the car the salesman that my credit at the time was in fair condition and that I did not want to get my credit pulled multiple times, which would result in a lower credit rating. The car salesman reassured me that they would only pull it once. Come to find out, I ended up having more than 30+ hard inquiries on my credit report throughout experian, XXXX , XXXX.These are the hard inquiries that were added on : 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 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 reporting, credit repair services, or other personal consumer reports

The original balance of the Collections account was {$65.00}, so on XXXX I called and spoke with and representative ( XXXX ) from there XXXX, VA Headquarters to dispute inaccurate information being reported on my credit report and she simply explained that they do not and never owed the debt that they reported on my credit report. I still have not received a response yet, I was hassled a little by phone calls so I settled the account on XX/XX/2020 but I also asked for verification ( the original application bearing my signature ) on all accounts, as they claimed I owed 2 other accounts for {$47.00} & {$98.00} that they have not reported to the bureau 's as of yet! I really feel as if I'm being taken advantage of, Section 611 ( a ), it is plainly stated that a failure to investigate this item within 30 days gives a reason to immediately remove this item from my credit report. There has been no follow up or contact in over 30 days, I demand this account be deleted promptly because it is not my debt and I do not validate this debt.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXXXXXX XXXX  XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Money transfer, virtual currency, or money service

On XX/XX/ I went to the banking center above and purchased a cashiers check to pay my rent at XXXXXXXX XXXX. The Cashiers Check was for {$2200.00} made payable to XXXX from my Business Checking Account under XXXX XXXX XXXX the fee for the cashiers check was debited from that account. 
I took the check and went straight to the XXXX XXXX and I turn the check in. The next day, I noticed that the rent payment was not posted to the rent account and I went to the office and was told that the cashiers check was lost. I immediately went to the banking center where I purchased the cashier check and I was told that the bank could not return my money to me until 90 days from the day the cashiers check was purchased. I spoke with the manager and she told me to at least wait 30 days and then she would see what could be done to replace the cashiers check. The Office Manager at XXXXXXXX XXXX told me that she could not wait 30 days for me to come up with the funds. I then spoke to my church pastor and he lend me the {$2200.00} in order to pay my rent so I would not be evicted. Thorough out this entire issue the bank manager and other employees verified that the cashier check that was lost has not been negotiated even until todays date ( XX/XX/ ). I then went on XXXX and shared my experience with the Truist Customer service and several days later I received a response from the customer advocate department ( XXXX XXXX who told me that she was going to see what she could do this was on XX/XX/XXXX XXXX XXXX 
Today, XX/XX/XXXX XXXX  called me regarding my situation Case # XXXX and informed me that there was nothing that could be done in order for me to get reimbursed the {$2200.00}. 
Please help me in getting this issue resolved by helping me in getting Truist bank in reimbursing me the {$2200.00} from the lost cashier check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a personal loan for 36 months in XX/XX/XXXX with no penalty for early repayment. The loan will be paid off XX/XX/XXXX with 91 % of the principal paid. My credit report does not reflect my payments or correct loan balance. After speaking with other customers who paid their loans early, I am now fearful that XXXX will continue to not report the correct status of the loan and that they will continue to take automatic drafts out of my account after I make the last payment in XX/XX/XXXX. I am preparing to seek legal assistance if XXXX does not honor the terms of the loan.
Product: Credit reporting or other personal consumer reports

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

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. And they want me to pay them money to freeze my credit -- when they collected this information without my consent and failed to protect it in the first place.
Product: Vehicle loan or lease

I reached the end of my loan back in XX/XX/XXXX. They had not been reporting to the credit bureaus since XXXX XXXX  XXXX. I have since gotten them completely removed from my credit report as of today XX/XX/XXXX. I spoke to them XX/XX/XXXX to work out a plan to bulk pay on the rest of what I owe im equity. They mentioned for them not to repo the car I would need to make {$490.00} payments every time I get paid ( Bi weekly ) which I can't do. My concern is that paying them isn't getting reported, and trying to make me pay them every 2 weeks seems predatory.
Product: Debt collection

Received a letter on XX/XX/18 from FBCS , Inc trying to collect on an old debt that is past the statute of limitations in the state of Ohio and is no longer on my credit report. They say that I owe I owe {$1800.00} to XXXX XXXX XXXX and then XXXX XXXX, and now this bottom feeder collector has now bought the old debt. They even gave me the option of paying only {$550.00} to settle the debt ...
Product: Credit reporting or other personal consumer reports

Hello after reviewing my credit report directly from all three credit bureaus I noticed that several accounts on there did not line up and I did not consent to have on my report. Under FCRA Law 15 U.S. Code 1681b permissible purposes of consumer reports I never gave you any written consent to report these accounts to my credit report. Also 15 U.S.C. 1681i section 7 method of verification on how these accounts were verified as factual. The accounts in question : 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 These accounts have prohibited me to receiving new credit and because they are violating 15 U.S.C. 1681 n ( a ) ( 1 ) ( A )
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against Cashapp. Due to iniquit customer service and unfair practices which violat consumer financial protection ACT ( CFPA ) cashapp specially failed to take timely and effective measures to prevent and adress fraud problems on their platform leaving my information exposed and unprotected. They didnt comply with the eFTA and regulation XXXX This has caused financial loss and i seek appropriate redress for this violations I've mentioned
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company 's fraud department several times to report inaccurate information on my consumer report. According to 15USC CODE 1681C2 this is all I need to do when informing the credit reporting agencies of fraudulent accounts. Equifax, XXXX, and XXXX has VIOLATED my consumer rights by continuing to report this information. They have also broken the law, Under 15 U.S. Code 1681e ( b ) ( b ) the credit reporting agencies are supposed to report maximum accuracy on consumer reports. they are not following ensuring maximum accuracy at all. I am demanding deletion of all inaccurate accounts listed in my report as soon as the credit reporting agencies receive this notice. According to the Fact act these items shall be blocked within 4 days of receiving this notice, I, the consumer have notified Equifax, XXXX, and XXXX multiple times. I expect the items included in my identity theft report to be blocked asap or I will seek monetary damages for violating my rights as a consumer.. THIS IS A IDENITY THEFT PERSUANT TO FCRA 15 USC 1681 ( 3 ). I understand under 15 USC 1681 c 1 you have the authority to decline or rescind the information I am presenting to you was not blocked in error. The information I request is an affidavit in fact so there is no material misrepresentation of the fact this has been completed if you believe I have obtained goods and services I need a senior executive member of this company to put it on an affidavit signed under penalty and perjury notarized. I have included a copy of my id to prove my identity and act as proof of residency. I have also included a copy of my social security card for proof of my identity as well.
Product: Debt collection

I am reporting a business called " OPTIMA RECOVERY SERVICES. '' They have listed a debt of {$65.00} on my credit report for a few years that I just recently discovered and have never received any notification the debt existed. No calls, no  emails, no letters, no attempt to contact me. The information about the business on my report includes : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX date opened : XX/XX/2015 Account type : Collection Department / Agency / Attorney I issued a dispute with XXXX  a few months ago and the account was deleted without any further issues. I discovered this  same account on XXXX  as well. This led me to believe that this debt is either fraudulent or a big mistake. Upon reading XXXX reviews on this business, it seems that this is a regular practice. They agree to remove the " bad credit '' in exchange for payment, but no written record is provided of this transaction ( according to other reviews ).
Product: Money transfer, virtual currency, or money service

I am trying to transfer money from my PNC account to the investing platform XXXX.
Product: Consumer Loan

My account is current and One Main Financial continues to call and harass me. The say that I am lying about my payment about how often they call. And today I went to the local office after yet another call from them. And they told me that I did not pay enough to get my account current and made me pay another {$12.00} after they had already taken {$150.00} out of my account on the XXXX.
Product: Credit card or prepaid card

On XX/XX/20 I received an email from Citibank that they lowered my credit limit due to " information obtained from my credit report ''. Nothing had changed on my credit report aside from a mortgage refinance. I was paying down my credit cards, I have never had a payment more than 30 days late and the only time recently my credit was ran was for the mortgage. 

I did make my XXXX payment a few days past the due date on my statement due to the timing of when I get paid from my work. My wife is currently out of work. 

This is the second time in less than 5 months that Citibank has lowered my credit limit to just a couple of hundred dollars above what I owed. the first reduction that happened in XXXX significantly lowered my limit. 

The scenario to my understanding was related to my auto payment from my bank account being {$15.00} less than the minimum. The difference was made up before the payment would be considered 30 days late. 

This has significantly impacted my credit score as it reduced my available credit to used credit ratio. 

When I reached out to Citibank they said I could dispute with the credit bureau and there was nothing they could do.
Product: Debt collection

The CFPB has already acted on a like complaint and did not remove the illegal collection from my report. Note this illegal collection was dealt with and REMOVED FROM MY REPORT PREVIOUSLY BUT LVNV SOLD IT AND THEN THE NEW COMPANY POSTED THE COLLECTION AGAIN. Then XXXX posted it AGAIN. THIS is NOT my debt. LVNV or any other collection can not prove I owe this debt. A statement from a credit card company is NOT a purchase agreement and does NOT give them a legal right to harass me over this. XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX protects my rights and I demand this collection be removed permanently from all three bureaus. Thank you.
Product: Mortgage

these 2 mortgages no longer belong to me have nothing to do with belong to ex husband
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The Items I need deleted are listed In the report. I am a victim of identity theft and did not make the charge. In accordance to the FCRA I ask that the items be deleted immediately to correct my credit report. I reported the theft of my identity to the federal trade commission an I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Product: Credit reporting

fraud department told me the SSN and name matches records and that the account is mine when i 'm disputing i never applied, or used the card. i requested for billing statements from account open to charge-off and bank records for purchases and payments, but they were not able to provide me with documents. if they are not going to carry on fraud investigations then i will have to file police reports to get them to release those documents and ultimately press charges against XXXX XXXX for fraud. there are XXXX other accounts, all fraud committed in the 2013 year with XXXX of inquiries for credit. XXXX i already have filed a complaint for not co-operating.
Product: Debt collection

I did a settlement offer with CREDIT CONTROL LLC for a XXXX XXXX credit card on XX/XX/2020. The account was suppose to be removed from all 3 Bureaus and was not and has not!
Product: Debt collection

I called Workout Anytime to cancel my membership, I paid all off my fees that were owed per the customer service rep. Then I got a phone call from a collection agency stating they were trying to collect a debt from XXXX XXXX. I called XXXX XXXX and asked what was going on and thy said that fee was a cancellation fee. I asked why didn't they tell me about this fee at the time of cancellation. She said she wasn't sure why I wasn't told about the fee. I paid the debt off with XXXX XXXX about 5 months ago but the debt collection agency is still reporting to my credit.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian and XXXX regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, Experian has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and I.d . as it contains my full complaint and requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lot XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/1989 I am writing to express my deep concern and frustration regarding multiple apparent violations of important consumer protection laws that have had a significant and distressing impact on my financial well-being and personal life. I am reaching out to your esteemed organization to seek assistance in addressing these violations and enforcing my legal rights. 

The violations in question are related to my interactions with several creditors who have reportedly engaged in practices that may breach consumer protection laws. The following are the specific violations that I have identified : Unauthorized Credit Pulls under FCRA : Instances : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : Unauthorized access to my credit report without my authorization, as outlined in FCRA Section 604 ( a ) ( 3 ) ( F ). 
Inaccurate Information on Credit Report under FCRA : Instances : XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Violation : Inclusion of inaccurate and unverified accounts on my credit report, contrary to FCRA Section 611 ( a ). 
Inaccurate Personal Information on Credit Report under FCRA : Instances : XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Violation : Inclusion of incorrect personal information on my credit report, against FCRA Section 607 ( b ). 
These violations have not only caused significant emotional distress but have also had a tangible negative impact on my financial life. The errors on my credit report have led to denied credit applications, increased interest rates, and even hindered my ability to secure housing. As a result, I have faced financial hardships that have strained my ability to provide for myself and my family. 

To provide a personal story that underscores the emotional toll of these violations, imagine a scenario where you've diligently worked towards achieving your dreams, only to find your efforts thwarted by the misinformation on your credit report. This distressing situation has resulted in missed opportunities, sleepless nights, and an overwhelming sense of powerlessness. 

Given the gravity of these violations and the ensuing hardships they have caused, I am kindly requesting the Consumer Financial Protection Bureau to intervene and assist in enforcing my legal rights. I implore you to work towards ensuring that the involved creditors rectify their actions and remove these unverified and erroneous accounts from my credit report. 

Your support in resolving this matter would provide immense relief and a renewed sense of hope for a brighter financial future. I appreciate your attention to this urgent issue and kindly request a timely response to this dispute. 

Thank you for your dedication to protecting consumer rights and fostering fair business practices. 

Sincerely, XXXX XXXX XXXX