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

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

First I would like to say I have not received anything by mail from this debt collector. They have reported information to my credit report without my prior consent and without contacting me about this debt first by mail to give me time to dispute it. I have not received any type of proof of this debt and I have written a letter to request this information and for this to be removed from my report until it has been proven. According to the following law this needs to be removed. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock XXXX and before XXXX oclock XXXX, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit card

We have XXXX business products with Fifth Third Bank and recently I made two payments 8 days after the due date. The bank has hiked the rate up to 29.99 % on both accounts. I believe this has been done on discriminatory bases because we are a minority owned business. We are asking the bank reduce our rate back to previous afforable rates as before. Also, monitor Fifth Third to see if they are enacting predatory and discriminatory lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency keep on reporting collections on my credit report that isnt correct From Experian account number XXXX it reads I have a collection of {$4800.00} past due as of XX/XX/3023./ I have a collection from XXXX from XXXX XXXX XXXX that reads I/O a balance of {$3500.00} as of XX/XX/ It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). 

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Product: Debt collection

I previously disputed the following information that " PORTFOLIOA RECOVERY ASSOCIATES '' had in my consumer file : PORTFOLIO RECOVERY ASSOCIATES XXXX The above-listed tradeline was properly deleted by their incidental my dispute of it. However, a third party alerted me that you reinserted the information on XXXX/XXXX/2021. This reinsertion has caused significant damage to my credit score. As a result of the reinsertion, my score has dropped, and I am very upset about this. I have waited patiently to hear from them about why this has occurred, but I have not. It is my understanding that under the FCRA, they should have notified me about this. Specifically, they should have notified me of this in writing within 5 business days. I patiently waited over 5 business days for an explanation from them with no luck. 
As a result of their failure to comply with the FCRAs requirements, I am XXXX. They have reinserted an inaccurate and incomplete tradeline on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is another Problem with Transunion - Credit Reporting, the last Complaint did Nothing COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 I Applied for a Visa Card from XXXX XXXX - and was refused Credit, Transunion reported to XXXX/XXXX  XXXX - XXXX that I had a number of Deliquiant Accounts and a Bankruptcy?? 

Transunion sent me a Report it shows No Delequincies, No Bankruptcy - but what they send to Creditors is something different Also showing a reduced Credit Score by 100 points because of these inaccuracies, compared to XXXX, and XXXX  Someone needs to look into this they have a Glitch in their system or something - I have called them, and their XXXX that answer do Nothing The CFPB needs to hold Transunion accountable - not to just take their word that there isn't any false information - the attached is proof
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXXXXXX XXXX XXXXXXXX, I attempted a transfer from my US bank account to my XXXX one via Wise ( formerly Transferwise ) for an amount of {$680.00}. The transfer was not successful, and the platform does not have a customer service phone number, so I contacted my US bank to report the charge as unsuccessful. My US bank reclaimed the charge and I stopped using the platform. 

In XXXXXXXX XXXX XXXXXXXX, I received an email from the platform that I owed these funds because the transaction had gone through, and I owed them this money. I then went through the process of trying to send the money through XXXX ( another transfer app ). I tried this multiple times with no success, and maintained contact with Wise personnel, showing them this. They said I must transfer from a US banking app, however, my bank does not have an electronic transfer option, and I live abroad in the XXXX. 

I maintained contact with Wise until XX/XX/XXXX, sending the payment they asked for. Each time I was informed they had not received it, and when I asked for further details on the address of their company for the transfer, or another option of payment, they responded with the same information. 

On XX/XX/XXXX, they emailed me saying they had closed my account. Without an open account, it is impossible to contact the customer service, so I no longer had the option to communicate with personnel. 

Throughout XXXX I emailed the company trying to fix this payment issue, and I received a response saying they would respond in a few days. I would never get a response except to file a claim, which I also attempted to do. However nothing was possible, it would revert me back to the start page of the website or I needed to have an active account to receive assistance. 

Today, XX/XX/XXXX I received an email from Wise saying that their debt collection agency will be in touch in the next few days to claim this " overdue debt. '' I am writing to express my frustration to the way this was handled by the company, particularly if this debt collection agency charges high fees on the overdue payment. I will include screenshots of the emails, dates, and attempted payments for clarification.
Product: Student loan

I contacted XXXX XXXX and was told that my payments qualified for deferment/forbearance. i returned all required documentation, however I continue to receive bills in the mail. I qualify for the above deferment/forbearance due to loss of income, unemployment and receiving government assistance.
Product: Credit reporting or other personal consumer reports

According to the Fair credit Reporting Act 15 USC 1681 section 602 states There is a need to insure the the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for customer rights to privacy. The 3 credit bureaus XXXX, equalifax, XXXX are consumer reporting agencies while i am the consumer. My rights to make sure my private information will not be shared. Under 15 USC 6801. the policy says that Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of me the customer and protect my security and confidentiality of those customers nonpublic information ( furnisher of information to credit agencies is a financial intuition by definition under that title. 15 USC 1681 section 604 section 2. Under this policy XXXX equifax, XXXX  nor financial institutions do not have my consent verbally, non verbal, or written consent. Any and all consent whether it be verbal, non- verbal, written, nonwritten, implied or otherwise revoked. 15 U.S.C 6802 ( b ) ( c ) states that a financial institution may not disclose non public information to a nonaffiliated third party unless the consumer is given an explanation of a non disclosure option. They have informed me of my right to exercise nondisclosure option. also 15 USC 1681c ( a ) 5 states except as authorized under subsection ( b ) no consumer reporting agency may make any consumer reports containing any of the following items if information any other adverse item information other than records of convictions of crimes with antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681 s-2 ( A ) ( 1 ) a person shall not furnisher any information. relating to a consumer. 15 U. S Code 1681states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c. also CFR 1016.7 a consumer has the right to opt out at any time. I am opting out of your reporting services
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid my credit card off in full. It was 5 days past the due date. I made no other purchases on the card. I was charged a XXXX dollar late fee and finance charge ( not sure what the finance charge was for on a XXXX balance ) XX/XX/XXXX, I didnt even check the statement because I had paid off the account in full. Another XXXX late fee and a finance charge. XX/XX/XXXX ( today ) I get a call that I owe them XXXX dollars and some change. I was assured that if I paid them today, the payment was good through XX/XX/XXXX. So I pose the question so I wont be charged another late fee in XX/XX/XXXX because today is 7 days past my due date. The response was I would not. So I ask then what is the difference between XX/XX/XXXX and XX/XX/XXXX? You charged me in XX/XX/XXXX for XX/XX/XXXX why wouldnt you charge me in XX/XX/XXXX for XX/XX/XXXX?  The representative then offered to waive XXXX in late fees, with no explanation why I was charged in XX/XX/XXXXl, but wouldnt be charged in XX/XX/XXXX. The computer conveniently froze and even though I asked to remain on hold to resolve the issue, I was disconnected. 3 attempts to reach the representative were unsuccessful. I also asked for a balance so I would never have to deal with this card for he rest of my life, The representative was unable to provide that information. I feel like this is an attempt to unfairly collect fees that are not due to them. The company is XXXX XXXX the card was through XXXX.
Product: Debt collection

Acima credit has placed an account on my credit report that is not mine it is from a furniture company the furniture was delivered to an address that is not mine nor have I ever lived there I had previously had an account with Acima that I paid in full this address is now on my credit report since this happen I have asked for it to be removed and also the collection and late payments.aAnd when I notified Acima for info on the store I was told it was gone out of business.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because TransUnion is inaccurately reporting unauthorized accountsXXXX XXXX ( Account # XXXX ) and XXXXXXXX XXXX ( Account # XXXX ) on my credit file without my permission or written consent. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my creditworthiness, financial stability, and emotional well-being. Under 15 U.S.C. 1681b ( a ), a consumer reporting agency is only allowed to furnish a consumer report under specific permissible purposes. Since I never authorized or provided written consent for these accounts to be reported, their presence on my credit file is unlawful. Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are required to provide only accurate and complete information to credit reporting agencies. The continued reporting of these unauthorized accounts directly violates this provision. I have formally disputed these accounts with all three major credit bureausEquifax, XXXX, and TransUnion. While XXXX and XXXX have removed these accounts from my credit report, TransUnion continues to report them, despite my valid disputes and the fact that the other bureaus have already determined that they should not be listed. This demonstrates TransUnions failure to conduct a proper reinvestigation, as required under 15 U.S.C. 1681i ( a ). The inconsistency between the bureaus further proves that TransUnion is neglecting its legal obligation to maintain accurate and fair consumer credit files. TransUnions refusal to correct this error is causing me unnecessary hardship, including the potential denial of credit opportunities, financial distress, and emotional strain. Despite multiple attempts to resolve this matter directly, TransUnion has continued to report these accounts without any justification, further violating its duty to ensure the accuracy of my credit file. I demand the immediate removal of these unauthorized accounts and that TransUnion takes the necessary corrective actions to ensure compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has jacked up my bill from a legitimate amount of {$1000.00}, against which I have paid money, to a grand total in excess of $ XXXX, while not crediting me for payments made. 

Further, an understanding was reached with aprior collection Company that XXXX retained. I offered to make recurring payments. They couldn't take them. They agreed to call me on a monthly basis to obtain payments. They called me once, and payment was made. You do not even reflect that payment. XXXX does. 

IC Systems then took the account ; did not acknowledge payments made ; and made a derogatory report to the Credit Bureaus. They also added yet another {$400.00} charge to an already overstated and inflated bill. The situation will likely end me up in a bankruptcy.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Experian.
Product: Checking or savings account

US Bank opened a business bank account online without my authorization using just my social security number on XXXX. There was no other documentation used to open this account such as XXXX number, Articles of incorporation, a valid government ID or even a deposit of money or proof of address. If any of the above was requested as most banks require my credit would not have been impacted and I would not have to spend hours filing a police report, contacting and writing letters to all the credit agencies. This bank is not doing the proper due diligence required and will be a location for thieves to launder bad checks and gain credit.
Product: Mortgage

Mortgage company will not return my money for 30 days even though they already had it for two weeks and are saying it will be another 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Phoenix Financial Services has added a collection account to my credit reports withXX/XX/XXXX and XX/XX/XXXXfor a debt that I do not owe. Under the Fair Debt Collection Practices Act, they are required by law to inform me of any debt owed, and it must be accurate prior to reporting that information to the credit bureaus. As I do not have a debt with this company, no validation of this debt has been made and Phoenix Financial Services has violated my rights, I am requesting that the account be removed from XX/XX/XXXXandXX/XX/XXXX immediately. Phoenix Financial Services has also initiated abusive practices by the placement of telephone calls without meaningful disclosure of the callers identity. I was called twice by an unknown number ( that when researched was listed as this company ) by a representative whom would not disclose who they were, but stated " to have her call me darling '' then disconnected the call on XX/XX/XXXX which was very inappropriate. Then on XX/XX/XXXX I received a call from their number to which they stayed silent on the phone which felt like an attempt to intimidate me. I do not know this company nor have I ever done business with them, and their erroneous reporting is hurting my credit worthiness and needs to be removed from XX/XX/XXXX and XX/XX/XXXX immediately.
Product: Credit reporting or other personal consumer reports

This is my 3rd endeavors to tell the XXXX credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$890.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$79.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX-************** Balance Owed : {$380.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Paypal temporarily limited my Paypal without any explanation. They said that they will review it within 5 days. Ref ID : XXXX. 7 days has passed, I emailed them twice asking when will it be fix but no responsed whatsoever. It is really frustrating because I always used Paypal primarily to received my salary to my boss and to my my other transacations.. Today I have a lot of pending payments.. Hope they can fix it soon. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my XXXX XXXX and Transunion that DO not belong to me I have been disputing these for almost two years and nothing has changed and no response back I need these off my credit because they do not belong to me. I dont know how else to do this and how to explain to the bureaus that these are not my accounts, XXXX - Acct # XXXX Amt {$31000.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$8100.00} Opened XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I Decided to send money via Western Union to my brother because my sister was hospitalized. I wanted the money to be there on time that means the same day money transfer. However, my brother was not able to get the money until now. I requested Western Union to cancel this transaction after several days, but Western Union was not able to send the money me my money back via my account that I made the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights, XXXX XXXX XXXXXXXX  # 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