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

My account with EQUIFAX XXXX was never late! I have had exceptional payment history 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 to be updated.

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

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


EQUIFAX 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!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Concerns Regarding Stall Letters from Equifax Dear Sir/Madam, I am writing to express my concerns regarding the recent stall letters I have received from Equifax concerning my credit dispute. I have received XXXX letters indicating that Equifax does not require another dispute unless requested by them. Additionally, these letters mention " erroneous information '' and request supporting documents. 

I believe these stall letters are part of a tactic employed by credit bureaus to delay the dispute process. By asserting that there is insufficient information or documentation, Equifax appears to be shifting the burden back onto me, the consumer. This tactic seems to be designed to reduce the number of disputes that they need to address in a timely manner. Unfortunately, this has resulted in my current dispute with XXXX XXXX XXXX XXXX not being investigated. 

I want to make it clear that if I receive another stall letter from Equifax, I will not hesitate to pursue legal action under 15 USC 1681, which outlines Congressional findings related to credit reporting. The continued use of stall tactics is unacceptable, and I am prepared to take all necessary steps to ensure my rights are protected. 

I appreciate your attention to this matter and hope for a resolution that upholds consumer rights and holds credit bureaus accountable for their practices. 

Thank you for your time.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian received my letter disputing errors on my credit report on XX/XX/2024 and never responded to my request to update my credit report I submitted documents to support my claims and still no response. These unauthorized accounts and errors are hindering me from being able to properly utilize my credit effectively
Product: Credit card

I received a call from a person with poor english skills stating she was from Chase Bank about a credit card opened in my name, last XXXX numbers XXXX. This person called from XXXX XXXX. She said someone in North Carolina opened a Chase VISA in my name. She said my credit reports were in the public domain online. She then claimed to transfer me to CFPB. 
When transferred I talked to a person that identified himself as XXXX XXXX. He also spoke poor english. I directly asked, and he confirmed that he is an employee of the United States Government. He said my credit reports are available publicly He said I was being overcharged higher than legal interest rates on my credit cards based on a law from COVID relief. I asked for the specific law, but he could not tell me. He wanted credit card numbers and other information. He is supposed to call me back. 

I think this is a scam. Is this real/legitimate?
Product: Debt collection

I REQUEST THAT YOU IMMEDIATELY CEASE ANY FURTHER ATTEMPTS TO COLLECT ON THIS DEBT AND REFRAIN FROM CONTACTING ME THROUGH ANY MEANS THIS ALSO MEANS MY CONSUMER REPORT PLEASE TAKE NOTICE THAT ANY FURTHER COMMUNICATIONS ON THIS MATTER WILL BE CONSIDERED HARASSMENT AND WILL NOT HESITATE TO REPORT YOUR ACCTIONS TO THE APPROPRIATE AUTHORITIES. 
DISPITE MY PRIOR COMMUNICATION I HAVE CONTINUED TO RECIEVE NOTICES AND CALLS REGARDING THIS DEBT WHICH IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT. FAILURE TO ADHERE TO MY REQUESTS CONSTITUTES WILLFUL NONCOMPLIANCE UNDER 15 USC 1681N, AND 15 USC 1692C
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 29 It also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

I notified Wells Fargo of transactions I did n't recongnize via their online messaging system. I listed mainly larger transactions, scrolling past minute charges such as fast food places. My account is shared with my wife and I did n't know how to tell what charge is from what card. So I simply did not include them in the message. The representative who received the message then opened a claim with these transactions. 

At some point prior to these charges occurring I misplaced my check card. I do n't know when and this is what I told Wells Fargo when I called them inquiring about my claim. The call was supposed to be recorded however everyone I speak to says that this is irrelevant because a decision has already been made. The representative that I spoke to for the 1st time regarding the claim did not notate the account that I stated I did not know when the card was lost. This is why I wanted them to pull the audio recording. 

I received a letter in the mail that the claim was denied and the provisional credit of {$1500.00} would be withdrawn from the account on XX/XX/2017. I contacted them as soon as I saw the letter. I stayed on the phone for 1/2 an hour with the first representative before she conveniently could no longer hear me ( she was perfectly clear ) and proceeded to hang up on me. She did not attempt to contact me although they ask for a valid phone number at the beginning of the call in case of disconnection. 

The gist of the call was that they denied my claim for a variety of reasons. Someone had logged into my account several times while the charges were occurring but the claim was not made right away, not all transactions were disputed, there was no balance inquiry, a transaction had been verified. I calmly explained gave my reasoning for this. 

My father was diagnosed with XXXX XXXX and I also became my mother 's XXXX XXXX XXXX XXXX. I am a mother of XXXX XXXX as well. My mental state during this time has been all over the place. I logged into my account to view the balance before making bill payments. That is all I did. When I made submitted the online message to wells fargo I left out transactions to places like XXXX, XXXX, ect. They were relatively small charges that did n't stick out to me and I did n't know if it was a charge on my card or my wife 's. They should have been included. There was a transaction regarding travel that I did n't recognize. I had stayed in a hotel but the name listed on the transaction was n't even remotely similar. I did n't recognize it so I submitted it in the claim. According to wells fargo, they would automatically deny the claim because of this. 

They are unwilling to assist me in any way regarding this claim. They say that it can not be reopened. I did not make the charges and should not be held responsible.
Product: Debt collection

This complaint is in regards to the XXXX XXXX, 2015 phone call the credit collection agency Account Discovery Systems ( ADS ), XXXX. XXXX XXXX, XXXX, XXXX XXXX by the name of XXXX ( XXXX ) XXXX made to an third party regarding my account they are collecting on. The original XXXX is XXXX, and original creditor account number being XXXX. 

I made an agreement with ADS XXXX XXXX to make payment of {$370.00} per month on this account. Since then, I have never been late or missed a payment. 

On XXXX XXXX XXXX from ADS placed a call to a third party in an attempt to get ahold of me to offer a settlement agreement. I received a text message from the person he called explaining XXXX from ( XXXX ) XXXX was looking for me. 

The voice mail message to the recipient identified my name. The number was viewed on caller ID by the recipient who went ahead and called the number to see who it was. The recipient was able to use caller ID to call the number ADS left on their caller ID identifying the call was from Account Discovery Systems and was an attempt to collect a debt under my name. Now that the recipient had my name, phone number and the reason for the call, they then proceeded to send me a text message informing me the debt collector Account Discovery Systems is looking for you. I called the number the recipient left for me and it identified ADS was placing the call and it was for the collection of a debt. 

After the text, I called the number the recipient text and asked for XXXX and inquired why he was calling a third party regarding my account. XXXX said that he called the number he had on file for my daughter and the reason for the call was because they could n't get ahold of me to offer a settlement on the account. 

My complaint regarding what I just described is Account Discovery Systems had no known right under the law to investigate my personal information in an attempt to contact me just to ask me for a settlement on a debt I am already paying as agreed on. Further, Account Discovery Systems has a valid address and phone number for me on file and could have made the offer to me directly. 

I request the Consumer Financial Bureau to investigate and provide me with any remedies available under the law regarding any potential violations of the law regarding ADS 's unnecessary call to the third party only to offer me a settlement agreement on an account that is being paid on time and as agreed, which in turn is harassing me.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with '' error res ution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Student loan

I mistakenly submitted 2 payments to pay off a loan for XX/XX/XXXX. I checked my bank information on XXXX and saw my mistake. When I viewed the loan on XXXX my balance showed {$0.00}. It should have shown - {$400.00}. I called the loan servicer the same day. 
The first customer service representative said that my 2nd payment was applied to another loan and that the balance was {$0.00}. I told her that I did not have 2 loans with the same payoff amount and she hung up on me.

The 2nd representative said my 2nd payment was applied to a loan I paid off in 2010. The balance of that loan was also {$0.00} not - {$400.00}. I said where can I view on the website that shows that a credit is owed to me and she said there was no where on the site for me to view that information. She informed me that a credit was processing and that it typically takes 2 weeks. I requested written/email confirmation and was told I would have it by the end of the day. 
XXXX I call back because I did not receive the email. The 3rd representative said the email would take 3-5 business days. The refund processing time was 2weeks - 2months.

Again nowhere on the website am I able to confirm any information about where my 2nd payment was applied or that I am owed a refund. I have 6 other loans with balances but they applied my money to a loan without a balance. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a 100 % VA XXXX XXXX XXXXXXXX XXXX determination XX/XX/XXXX with an effective date of XX/XX/XXXX. After which I applied and was approved for a XXXX XXXX XXXX XXXX discharge  ( TPD ) of my student loan debts through the XXXX discharge office of The US Department of Education as of late XXXX. The credit report states the student loans as paid after I disputed/updated with each reporting agency. However, I needed a letter from the loan servicer stating that the derogatory information related to these loans should be removed. On XX/XX/XXXX, I contacted the department that I'd originally applied for the discharge through, and was told that I needed to contact the US Department of Education Resolution Group for the letter. When I called the first time and explained what I needed the representative said he would email the letter to me. However what I received didn't state that the derogatory information needed to be removed from my credit reports. I called a second time and spoke to a supervisor ( XXXX XXXX at approx. XXXX. The supervisor told me that my accounts were reported as discharged due to VA XXXX and therefore did not qualify for credit report removal. He also stated that a normal XXXX discharge would remove the derogatory information, but that my account wasn't reported through the XXXX department. I submitted all forms and provided all documentation required to the XXXX department during the application process and believe there to be an error or misunderstanding regarding my student loan discharge and credit reporting.
Product: Credit reporting or other personal consumer reports

Dispute of Non-Compliance Under the Fair Credit Reporting Act ( 15 USC 1681 ( o ) ) Dear I am writing to formally dispute a violation of the **Fair Credit Reporting Act** ( FCRA ), specifically under **15 USC 1681 ( o ) **, which outlines civil liability for negligent non-compliance with the obligations of the Act. I have identified an instance of non-compliance by your company that is negatively impacting my credit report and does not meet the requirements set forth by the FCRA.

This issue is causing tangible harm to my credit history and my ability to access fair financial services.

As stated in **15 USC 1681 ( o ) **, consumers are entitled to protection against negligent non-compliance with the provisions of the FCRA . I request that your company promptly investigate and correct the inaccurate or mishandled information in accordance with the procedures set forth by the law. Additionally, I expect written confirmation regarding the actions taken to rectify the issue within the timeframes specified by the FCRA.

Please be reminded that under the aforementioned statute, negligent non-compliance may result in civil liability, including compensatory damages, which can be claimed by affected consumers. I hope this matter can be resolved without the need for further legal action.

Thank you for your prompt attention to this matter. I look forward to your response within the time limits established by the FCRA. 

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

There is fraud on the below accounts. I have recently detected suspicious activities on several accounts within my credit repot. I am taking these accounts like this very seriously, and am committed to safeguarding the security and privacy of my personal credit accounts. 

Upon thorough investigation, I have identified irregular transactions and unauthorized access on the following accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Fraudulent Activity : Multiple unauthorized transactions and unusual login attempts have been observed on this account. 

XXXX. XXXX XXXX Auto Account Number : XXXX Fraudulent Activity : Suspicious transactions involving large amounts of money have been detected. These transactions were not authorized by the account holder. 

XXXX. XXXX XXXX Account Number : XXXX Fraudulent Activity : Unauthorized access to this account has occurred, with evidence of fraudulent transfers and changes made to personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit report run today, trying to refinance my home mortgage that has been going up due to an adjustable rate. I have no late payments on my credit report at all except for a car loan which I made my last payment on and have never been late. In XXXX I went to see my mother in XXXX XXXX as an emergency and forgot to pay but never got a notification from the car company XXXX XXXX XXXX and I 've been pre-paying and paying extra for years. My credit report shows that I am late in the month of XXXX and we are not through the month of XXXX, I paid the entire bill off over the phone today, XX/XX/XXXX. They can not mark me for the month of XX/XX/XXXXif I was not late the entire month of XXXX and they should not mark me late at all after breaking Facra. Please have them clear my credit report of any lates, the entire loan is paid off. Please have them delete any lates and show a XXXX balance. I spoke with XXXX at XXXX XXXX
Product: Checking or savings account

I deposited a cashier 's check, pay by XXXX bank into my Wellsfargo account. The check is under {$1500.00}, made payable to me. Upon depositing the cashier 's check via mobile deposit, I was sent an email saying that my deposit was received and the funds would be available the next day. With a disclosure at the bottom saying some checks may require additional verification and the funds may not be available for 1-3 business days, but if that happens they will notify me and explain why.

The next day the funds are not available and I did not receive any kind of notice on why. I went into the bank itself with the cashier 's check and asked why the funds aren't available and they tell me to call the 800 number. I call they say XXXX bank placed a hold on the check. I go into XXXX Bank they say there is no hold on the check and that it cleared the day before. She even called Wellsfargo to tell them that it's been paid and printed out the paper showing that it's been paid. I then call Wellsfargo again, and am told that the check already posted to my account and that my balance is showing that it's available, but it's not, so then he transfers me to someone else who tells me that no it has not posted or been paid by XXXX and that there's a hold on it placed by XXXX. I tell him no there's not, I have proof of such. He then tells me Wellsfargo is holding it for verification reasons, I ask what reasons and what can I do for this verification to be completed, he tells me he doesn't know and transfers me to someone else. I ask them to just cancel my deposit so that I can take my cashier 's check and cash it at XXXX, she tells me that once the check is in the system they can't just cancel it and that the funds will be available on the XXXX ... That's NINE days after the funds were supposed to be available. I ask her who can I talk to to get the hold removed she said she doesn't of anyone who can do that and that I will just have to wait. 
Wellsfargo has already received the money from XXXX bank, the check has already cleared, but they refuse to make the money available to me, and can't tell me why.
Product: Debt collection

Balance That Im Not Aware Of From A Company I Have No Knowledge Of
Product: Mortgage

XX/XX/XXXX I phoned Citibank to ask for a copy of the lien and possible termination in the husband 's name only against my property discovered by the XXXX and XXXX in a lien search for XXXX XXXX  in XXXX. XXXX XXXX  said all documents were at Citibank. Citibank phone could not locate any documents using social security numbers and directed me to email the lien department. XX/XX/XXXX I emailed asking for the lien in the husband 's name against my property, XXXX XXXX Citibank XXXX XXXX responded that he had located the lien but that Citibank had already provided the release. I responded that I had only documents for joint liens and asked again for the lien in the husband 's name or for the conversion of any joint lien. XXXX XXXX XXXX XXXX wrote me that any lien in the husband 's name only is restricted and Citibank would not supply it.XXXX I wrote XXXX XXXX and XXXX XXXX that in XXXX , Citibank knew that I was the sole owner of the property XXXX XXXX  XXXX and that therefore Citibank knew that the lien itself was irregular or illegal and that I should be supplied with a copy.I have called XXXX XXXX to discuss , left messages outlining my request, but she does not return my calls. In XXXX, I had satisfied the joint mortgage for my property to Citibank. The lien therefore in the husband 's name only violates banking rules.Citibank is hiding evidence of an irregular or illegal lien and is acting as if it can decide when and how to apply the law. A lien in the husband 's name only was discovered in XXXX.Contrary to XXXX XXXX I have no such lien in my possession. Contrary to XXXX XXXX, the issue is not whose name is on the lien but who is the owner of the property against which the lien is held.From XXXX XXXX XXXX had no right to this lien. Citibank has an obligation to provide it to me. As sole owner, I want a copy of the lien against my property and any attendant documents. From XXXX I was the sole legal owner of XXXX XXXX XXXX XXXX XXXX XXXX.