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

My account with XXXX XXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXXXXXX 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 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 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

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are require to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX Balance : {$79.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent disputes to Experian and they were certified mail, someone signed for these documents on XX/XX/2021 at XXXX pm with tracking number XXXX and I received no update nor response to the letters that were signed for. Then on XX/XX/XXXX I resent the letters via certified mail and it was signed for on XX/XX/2021 with tracking number XXXX at XXXX and I have yet to receive any results or even that its been investigated. I would like all that information on those letters permanently deleted from my reports. The laws put in place by the FCRA state that I have the right to challenge inaccurate information and Experian signed for my information and failed to respond its been well over 90 days, at this point I will be also suing Experian for not complying with the law as it pertains to FCRA. This time of treatment is unacceptable and a poor stall tactic on Experians behalf.
Product: Checking or savings account

On XX/XX/2021, I contacted WELLS FARGO regarding a couple of transactions that were completed on my account ending in XXXX that was unauthorized by me, the first amount was for {$500.00} on XX/XX/2021 and the second on XX/XX/2021 in the amount of {$500.00} I call and filed a complaint and was told that these funds would be refunded back to my account in several days from the time of my complaint, however, it has been more than a week since I have filed my complaint and as of XX/XX/2021 I still haven't received my funds back into my account. I called them this morning regarding the fraudulent transactions and was given an unsatisfying conclusion to my case. it seems that WELL FARGO works alongside the people who are stealing my hard-earned funds and disregard me as a customer. WELLS FARGO does not protect their costomers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus on XX/XX/2021, reporting inaccurate, unverifiable and fraudulent items on my credit report. I have yet to hear anything back from them, it has been well over 30 days. I have not received any a response from any of them. This is a violation of my rights due to not providing a notice of the disputes and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked. removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.
Product: Credit card or prepaid card

After being a customer for almost ten years, I received a notice, dated XX/XX/22, stating my account was being closed due to " Irregular authorized user activity on one or more of your accounts. '' After reviewing my credit card user agreement, no where does it state that I can not add and remove authorized users. I would like my account reinstated and reporting in good condition as it was when my account was closed because I did not violate any of the terms of using my card. 

A phone call with a customer service representative, XXXX, stated that having more than 4 authorized users on an account was against policy and I had 5. However, that isn't listed in any of the user agreements provided to me when using this account so I believe this is against consumer protections.
Product: Credit reporting, credit repair services, or other personal consumer reports

When downloading my first report ( XXXX ), I tried to save, not print, the report, I timed out and had to log back in. Second, third and fourth attempts, without success, I called someone in the universe that connected me to a representative that said I had to subscribe to XXXX in order to save, not print, my reports. Great! free sign up BUT only for XXXX, not XXXX or TransUnion. 

Fifth attempt, the portal said I already accessed the reports ( I did not ) and would have to wait 7 days and try again. 

Why? 

I don't understand 1-How do you reach a HUMAN to discuss the current issue? 2-Why can't I save, not print these 60+ pages of each report? 3. It was a miracle I found the CFPB site, by accident, to ask these questions and perhaps by filing a compliant, we can get change ......
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing inaccurate information with XXXX, XXXX, and transunion over the last six months and yet the same errors appear on my credit report. every time i dispute these unverifiable accounts, i either get an " updated '' response and nothing changes. 

XXXX DEPT OF EDUCATION is falsely reporting 90,120, 150 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

XXXX XXXX XXXX is reporting inaccurate personal information. delete this from my credit report. 

XXXX XXXX XXXX  XXXX XXXX is reporting false late payments and missing payment history for the entire account. also reporting differently to XXXX. 

DEPT OF EDXXXX is falsely reporting 90,120, 120 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

XXXX XXXX XXXX is reporting inaccurate personal information and false payment history that's unverifiable. delete this from my credit report. 

TRANSUNION DEPT OF EDXXXX is falsely reporting 90,120, 120 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

i have attached proof from XXXX for further review.
Product: Vehicle loan or lease

This matter is regarding an auto loan, owned by Capital One Auto Finance. The loan was originated on XX/XX/XXXX by XXXX of XXXX, NJ at roughly XXXX XXXX. The dealership required me to take out a loan to avail the promotional price on the vehicle I wanted to purchase. I was told that NJ does not have a prepayment penalty and that I could make a payment at any time. Based on this I decided that I would put down {$1000.00} then pay the balance in full the next day. 

First thing the next morning ( Today, XX/XX/XXXX ) I called Capital One to pay off the loan and they told me the loan does not exist. I requested to speak with a supervisor, they transferred me over. The supervisor stated, they have received the information from the dealership but a loan number is not available so I can not make a payment. She told me I would not be able to make a payment for a couple of weeks since i did not have a loan number yet. I asked if I would be charged interest during that time period and I was told the interest started when we signed the contract. I asked, how can you charge me interest and not give me the option to pay the loan? She started to get very agitated and stated nothing can be done for a couple of weeks. 

After speaking with Capital One, I called your offices and was told to file a complaint. Everyday that passes I am being charged interest for a loan I do not need or want. It is unfair for the Capital to charge me if by the contract terms I can pay at any time without a penalty. 

On a side note, I do also feel that it is unfair for a car dealer to sell a vehicle at a different price if you do not take out a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion on XX/XX/18 to speak with the representative to let them know that I was a Victim of their " inquiry issue. '' Their customer service representative would not help and take care of the negative inquiries reporting to my credit report. The inquires are listed below. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXXXXXX XXXX XXXX XXXX XXXX   XX/XX/2018
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at I XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX  XXXX on XX/XX/XXXX with a balance of {$5900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I am writing to formally address a negative credit report that has been issued by Synchrony Bank Amazon, claiming that I have an outstanding payment of {$570.00}. I would like to clarify that I have never taken any loans, made any purchases, or accrued any debt with Synchrony Bank Amazon.

Upon discovering this negative report on my credit record, I promptly contacted Amazon to inquire about any outstanding debts in my name. Amazon confirmed that I have no outstanding balance or unresolved debts with them.

However, Synchrony Bank Amazon has informed me that a payment in the amount of {$570.00} has been recorded in my name. Despite my repeated requests for a detailed explanation or documentation to support this claim, Synchrony Bank Amazon has failed to provide any substantial evidence or further clarification regarding the alleged debt. 

Given these circumstances, I believe this charge is incorrect and unjustified. I respectfully request that this matter be investigated thoroughly, and that the negative credit report associated with this erroneous claim be removed from my credit record. 

Thank you for your attention to this matter.
Product: Debt collection

My account is past due, but I have been making payments on it. Walmart credit services is calling me 3-5 times per day, everyday, since the XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Lexis Nexis last week. I asked Lexis Nexis to suppress my information because a lot of what is on there is erroneous. I submitted my information 3 times online for suppression. This was not done.
Product: Debt collection

A complaint was sent to cfbp on XXXX about XXXX XXXX XXXX with the supporting documentation that the credit card account in the amount of {$13000.00} was included in a XXXX XXXX  bankruptcy and that XXXX XXXX XXXXXXXX XXXX is not following the Federal Order Respecting Amendment. XXXX XXXX XXXX responded on XXXX indicating that 'the bank has sent an update to the Credit Bureaus to have the account updated to reflect the discharged bankruptcy ' and issued an AUD control number XXXX as confirmation this update was sent to the credit reporting agencies. 
Experian still continues to report this account as delinquent and has not removed it from the credit report when it has been included on the bankruptcy. Experian still continues to indicate that the account was verified as accurate from XXXX XXXX XXXX as of XXXX and will not update my credit report to include the account in the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2021 I sent a letter regarding inaccurate and late payments on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate, late payments and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Product: Debt collection

Hello, This company ( Portfolio Recovery ) has been attempting to collect a debt from me and are reporting it on my credit report. I've informed them that they are mistaken in saying I owe them anything. I've sent them disputes asking for records that PROVE I owe this debt, and all they send me in return is a billing statement summary with a one time transaction for {$1100.00}. I've even given them the benefit of proving this by sending me something that I signed that shows this to be true. I've also asked for various means of proof that they did an investigation, including names and dates, and they refuse to provide me with any. I sent a dispute informing them of my rights under the FDCPA in response to a letter I got from them dated XX/XX/XXXX on XX/XX/XXXX asking for the above items, and they sent me this generic billing statement dated XX/XX/XXXX. I sent another on XX/XX/XXXX, and they still didn't provide me with anything I requested under the FDCPA, again sending me only the same statement as before dated for XX/XX/XXXX. I sent one final letter on XX/XX/XXXX indicating that they were violating the law by not providing me with the requested items, even citing case law, and they sent me the EXACT same response as the former, but dated XX/XX/XXXX. This company is impeding my opportunities to advance financially by flagrantly breaking the law. 

Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, EQUIFAX MORTGAGE SERVICE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX EQUIFAX MORTAGE SOLUTIONS, 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have been waiting weeks on being refunded for bill payments to my chase card XXXX. I have called chase multiple times and was assured that this money was being refunded to the bill payment source. On my most recent call to Chase I was informed that the payment refund was delayed, and I was not given a timetable on how long it would take to receive the refunds. 
Below are the payments to card mentioned above and am including Chase acknowledgement reference numbers given by the billpayer. 

XX/XX/23, {$3900.00}, Chase XXXX : XXXX XX/XX/23, {$4400.00}, Chase XXXX : XXXX XX/XX/23, {$4400.00}, Chase XXXX : XXXX
Product: Debt collection

Back in 2017, I used to have a credit card through XXXX. I was unable to make payments so I stopped paying on it. 

Over the next few years, XXXX eventually charged the account off. I never received anything in the mail notifying me of this. Then, the third party debt collection agency, " UHG XXXX, LLC '', took over the debt, which I wasn't made aware of. They summoned me to court but I tried settling with them out of court. During this time, the Pandemic caused my job to lay me off. I called XXXX XXXX XXXX XXXX ( The Attorneys for UHG ) so I could try to ask for more time. They told me to just give them a call back when I get another job. 

2 years later, out of nowhere, these guys just started taking money from me. I never received any letters notifying me that any of this was taking place. And now I am being garnished {$400.00} per paycheck. The way these people are handling my case is unacceptable as well as unfair. I am currently taking steps to try and sue these people for their incompetent and predatory practices. Please help me in any way that you can. Thank you for your time. 

XXXX XXXX
Product: Debt collection

I am writing to dispute and request the immediate removal of a fraudulent account from my credit report. Upon contacting XXXX XXXX, they confirmed the validity of the identity theft report and assured me they would remove the fraudulent accounts. Despite encountering system issues, they can not provide records. 
XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX promised to pay a debt to XXXX as a promotion in which you switch carriers and they pay out your contract and any equipment balance. Needless to say this didnt happen! XXXX has now reported a debt in collection to that is being shown on my credit report! This is an issue multiple consumers have had and I shouldve read reviews before believing what XXXX said. I did a complaint with XXXX and now Im having to wait 90 days for XXXX to send over the balance so that XXXX can honor their agreement! 90 Days!! XXXX said theyll honor their agreement but my monthly bill will go higher.
Product: Student loan

I have tried several times this year to speak with customer service about incomplete information and confirmation of XXXX application. Also, on the online portal they are claiming I have a duplicate formwhich there is no reference or copy of the original form for XXXX. 

Finally, my college has submitted a form for deferment a month ago and my account has not been updated. I should be in deferment but they are still requesting payment. 

Ive sent messages through their contact portal and it says to expect a return message within XXXX business days and I have yet to hear from someone to correct, confirm, and discuss my account.