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

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed o

n 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 to be removed/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. 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!
Product: Credit reporting or other personal consumer reports

EXPERIAN is in violation of code 15 US XXXX  1692G. even after I notified them that I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX, XXXX XXXX  York, NJ XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, Fl XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX, XXXX, NJ XXXX only address that should show is : XXXX XXXX XXXX XXXX, NJ XXXX **In addition : EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX In addition : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX HXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT # XXXX REPORTED 30 DAYS LATE, ON XX/XX/2022. 


In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section XXXX ) XXXX it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Thank you.
Product: Credit reporting

I am a victim of identity theft and have fraudulent and unauthorized credit inquiries and a account that do n't belong to me. I sent Equifax a copy of a police report from XXXX XXXX Police Department in reference to the unauthorized and fraudulent credit inquiries and account. The police report case number is : XXXX. The following credit inquiries and account are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX credit card account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my Equifax credit report suddenly removed all my account history except 2 accounts. On XX/XX/XXXX all my accounts were removed as if I have no credit history. I've called Equifax numerous times and continually told that my issue will be " escalated '' but nothing has yet been resolved. Every time I call I get the run around until finally told my issue will be escalated and nothing more can be done. I've repeatedly told Equifax customer service that this is hindering my mortgage approval for almost a month now.
Product: Checking or savings account

I wanted to know more info about each account and they couldn't provide any account info to me over the phone. 


Please give me a call at XXXX XXXX XXXX thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX, XX/XX/XXXX, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit card

I went to XXXX from XXXX XXXX, 2016 until XXXX XXXX, 2016. While I was in XXXX, there were XXXX charges to my Bank of America credit card in XXXX California ( {$150.00} on XXXX XXXX, 2016 and {$100.00} on XXXX XXXX, 2016 ). There were no other authorized users for that credit card, and I had it in my possession during the entire time I was in XXXX. So, there is no way that I could have been responsible for those charges. 
I filed two disputes for the charges, and Bank of America denied my claims twice even after I submitted documentation showing that I was in XXXX during those dates ( boarding passes, hotel bill, metro transactions, and sales receipts ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts are inaccurately reported on my XXXX report. The XXXX XXXX XXXX was already removed from the other credit bureaus as well as the XXXX report. It was removed on XX/XX/2021 but reappeared on my credit report in XX/XX/2021, which has led to much emotional and financial stress when trying to use my credit for personal and business reasons. I completely paid and closed the XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX it inaccurately reports that I owe {$XXXX} now. Last week, it did not report that account or amount. I never owed a charge-off of {XXXX at Regions and they never told me that I owed anything or charged-off any amount. I have ten inquiries on this report and submitted my FTC report showing I did not inquire about XXXX, XXXX XXXX, US Dpt of Education, and XXXX XXXX, XXXX XXXX. I also contacted the XXXX  and Attorney General 's Office as well as contacted each company with legal documentation requesting the accounts be removed from my account for violating multiple FCRA violations. Documentation is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY EXPERAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Mortgage

I have been trying to refinance with Selene finance for a very long time. I had issues with them before too as we had documented in our previous complaint. XXXX XXXX ( Financial Advocate/ Loss Mitigation XXXX ) got involved has been working together along with the process since XXXX of XXXX. We have sent the refinance documents over and over almost every month as per their guidelines according to their customer service Representative and XXXX resolutions department. I was always told that they documents I sent was not received or was blank, but the same documents sent at the same time to self and XXXX was not blank, I always made sure I cc'ed XXXX XXXX XXXX I sent. So I started taking pictures and also scanning the documents and send them. We were also willing to put out some cash from pocket. We were also granted HOPE fonds for {$60000.00}. Then came up another problem as we were sending documents they denied and said was not by the guidelines. We asked them many times for the guidelines which was not provide to us for very long. We then managed to speak with XXXX as of XX/XX/XXXX and was able to send the % and the broken down amount referred by him. I did not receive the denial letter so we ( XXXX and XXXX ) called Selene finance and heard the automated voice which said that the loan modification was approved, but when we got hold of the Customer Service rep, we were informed that it was denied again. We have been sending emails back and forth during all the process with the XXXX resolution and customer services. We also spoke with XXXX on XX/XX/XXXX who informed us that the guidelines which we followed was wrong. It has been l a year and a half and amount also has piled up on the total amount that we have to refinance. I have attached the recent breakdown document after we have been pushing then for a very long time. It is still not clear one. If you need More documents please let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE ALL LATE PAYMENTS FROM ACCOUNT XXXX XXXX  Account number XXXX PLEASE UPDATE THIS ACCOUNT TO : Paid, Closed/Never late. 
I WAS NEVER LATE ON THIS ACCOUNT, AFTER SPEAKING WITH THIS COMPANY THEY ASSURED ME OF THIS, YOU WERE CONTACTED ON THIS MATTER AND SHOULD HAVE UPDATED THIS ACCOUNT TO " Paid, Closed/Never late. '' SO HOW IS EXPERIAN STILL VERIFYING THESE LATE PAYMENTS IF THE COMPANY HAS NO KNOWLEDGE OF THIS AND HAS CONTACTED THEM OVER 30 DAYS AGO? 
PLEASE FIX THIS ISSUE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XX/XX/22 I have been in the market for a vehicle to be financed for the first time. I was not aware nor did I authorize the amount of inquiries on my credit report. I have over 200 hard inquiries on my report which is just not attractive to lenders at all. I can recall only about 6 dealerships Ive been too that I authorized one pull off my credit anything more I did not approve of. Under the the fair credit act nothing can be added or reports to my credit profile I have the power of that stated in 15 U.F.C 1681 A and B
Product: Checking or savings account

Respectable Gentlemen I asked Bank of America to stop withdrawals from my savings account by XXXX XXXX, who bought an unsigned contract from XXXX XXXXXXXX, who was supposed to help me in a loan Forgiveness that resulted in a consolidation. The whole transaction was misleading and once I realized it I reported the fraud to the bank and requested they stop payments immediately and help me get a refund from XXXX XXXX who cheated me and XXXX XXXX who I do not know and with whom I ended up having this debt for a " Service '' that was n't fulfilled. 

The bank has not fully cooperated with this problem and from the beginning they were trying to charge me for a stop payment to XXXX XXXX XXXX who I do n't know ) even though I explained to them that I was mislead by XXXX XXXXXXXX to believe that my student loan was going to be forgiven but instead, they were only consolidating it and for which they were trying to charge me a RIP OFF fee of {$2000.00}, so to make sure they got their share they sold my contract to XXXX XXXX. 

Bank Of America has apparently ignored my request and have reached a decision based on documents that XXXX XXXX has offered and which I never had a chance to see or evaluate and which dont even have my signature. 

I hope I get the support on this Issue as you are my last and only source for help. 

Thanks so much in advance Respectfully yours XXXX
Product: Debt collection

I just received a random Garnishment on my new personal bank account. 
I did research and found out it's from a debt im unaware from XXXX ( XXXX XXXX XXXX ). 
The debt was garnished by a company named XXXX XXXX XXXX Razor Capitol . 

I have no knowledge of this debt which is from 2009 when I was XXXX XXXX  of age with no apt/home in XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions was unfeasable. The cfpbs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 3 letters so 1 letter for each bureaus experian XXXX and XXXX in the letter I sent it states that I want proof that the debt supposedly I owe is mine so I'm asking a signed contract with my name on it i want proof if they dont provide the proof witch they are suppose to have then they have to delete it right? I sent my letters back in XX/XX/ 2018 and havent heard any response or updates to my credit report.
Product: Mortgage

I AM REQUESTING ALL DOCUMENTATION FROM BANK OF AMERICA FROM XXXX. IN XXXX  WE THOUGHTWE RECEIVED A MORTGAGE FROM XXXX XXXX XXXX XXXX. AFTER FURTHER INVESTIGATIONTHERE WHERE A NUMBER OF LOANS WHICH WERE TAKEN OUT ON THE PROPERTY XXXX XXXX XXXX, XXXXGA XXXX. THE ATTY WHO WAS INVOLVED UTILIZED OUR INFORMATION AND APPEARED TO BE IN CONNECTION WITH THE CURRENT HOME OWNER AT THAT TIME, IT APPEARS THEY WERE OBTAINING FRAUDULUENT LOANS TOGETHER/GHOST LOANS PER OUR INVESTIGATION. I PREVIOUSLY SUBMITTED A COMPLAINT REGARDING PROPERTY AT XXXX XXXX, XXXX GA XXXX. IT APPEARS AROUND THE TIME IN XXXX WE THOUGHT WEWERE RECEIVE A MORTGAGE FROM XXXX XXXX XXXX XXXX WE DID NOT ALTHOUGH THE PAYMENT COUPONS WERE SENT. THERE WAS A LOAN TAKEN OUT ON XXXX XXXX XXXX BY XXXX XXXX AT THE SAME TIME WE THOUGHT WE WEREAPPLYING FOR A MORTGAGE WITH XXXX XXXX XXXX XXXX. MY SPOUSE FILED ALLFRADULUENT ACTIVITY IN THE US BRC OF XXXX GEORGIA IN ORDER TO OBTAINAN INVESTIGATION FROM THE TRUSTEE. THE JUDGE DID NOT APPROVE IT. MY SPOUSE 'S BRC CASE IS STILL OPEN IN THE COURT XXXX.THE ATTORNEY ISALLEGELY SERVING 15 YEARS XXXX XXXX XXXX. MY SPOUSE FILED A LAWSUIT INTHE BRC AND OF COURSE IT WAS DISMISSED. WE WERE PART OF A PONZI SCHEME. WEWERE VICTIMS. THERE IS A LEGAL COUNSEL INVOLVED WHO WAS PAID A SIGNIFCANTAMOUNT OF MONEYHOWEVER, IT APPEARS HE IS STALLING AND WILL NOT RESPONDTO OUT CALLS. HE KNOW EXACTLY WHAT HAS TAKEN PLACE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing erroneous information with XXXX, XXXX, and Transunion regarding accounts that were a result of identity theft. I submitted the identity theft affidavit that showed these fraudulent charges happened to accounts that I had. I attached the police report, identification, etc. I have submitted a XXXX Letters and also sent letters for Method of Verification. The only thing that consistently comes back is verified. One credit bureau is actually reporting these accounts in good standing while still stating it's a chargeoff. I have sent copies of the police report. id theft affidavit, state-issued id, all documentation, and only receive credit reports back saying verified or they will ask for the same information all over, The same regarding my personal information. None of the credit bureaus have complied with the FCRA regarding providing me proof and copies of what's in my file regarding these accounts.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX on XX/XX/22. It was financed through Ally. Ally 's XXXX  app reflects an interest rate of 6.00 % on my customer dashboard. However, the correct interest rate is 5.99 %. 

The billing statement provided by Ally, dated XX/XX/22 does not provide ANY interest rate. The billing statement also does not reflect the itemization of principle and interest charges. 

Ally intends to apply my auto loan payments at the incorrect rate.
Product: Credit reporting or other personal consumer reports

My account with those crediotrs 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 those account to be removed.

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

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

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act, XXXX Account Number XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Debt collection

To whom it may concern : I am unaware of of this debt PORTFOLIO RECOVERY ASSOC I did not have an opportunity to dispute this information. If in fact, PORTFOLIO RECOVERY ASSOC, believe you have given me proper notification then please send me the certified receipt with my signature stating I received this. 
I have not been given the chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) PORTFOLIO RECOVERY ASSOC is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means.

PORTFOLIO RECOVERY ASSOC, has no authority to furnish any account to consumer reporting agencies ( XXXX, XXXX nor XXXX ) without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681 ( s ) ( 2 ) ( 7 ) ( A ).

I am disputing that I owe any and all debts to PORTFOLIO RECOVERY ASSOC. I am revoking all rights for them to communicate with me through email, text, and calls. 


I did not have an opportunity to dispute this information. If in fact, PORTFOLIO RECOVERY ASSOC, believe you have given me proper notification then please send me the certified receipt with my signature stating I received this.

I have not been given the chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) PORTFOLIO RECOVERY ASSOC is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means.

PORTFOLIO RECOVERY ASSOC has no authority to furnish any account to consumer reporting agencies ( XXXX, XXXX nor XXXX ) without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681 ( s ) ( 2 ) ( 7 ) ( A ).

I am disputing that I owe any and all debts to PORTFOLIO RECOVERY ASSOC. I am revoking all rights for them to communicate with me through email, text, and calls.

. I did not have an opportunity to dispute this information. If in fact, PORTFOLIO RECOVERY ASSOC, believe you have given me proper notification then please send me the certified receipt with my signature stating I received this.

I have not been given the chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) PORTFOLIO RECOVERY ASSOC, is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means.

PORTFOLIO RECOVERY ASSOC, has no authority to furnish any account to consumer reporting agencies ( XXXX, XXXX nor XXXX ) without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681 ( s ) ( 2 ) ( 7 ) ( A ).

I am disputing that I owe any and all debts to PORTFOLIO RECOVERY ASSOC I am revoking all rights for them to communicate with me through email, text, and calls.