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

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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 XXXXXXXX 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 8
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis XXXX XXXX XXXXXXXX XXXX, GA XXXX RE : Social Security Number : ********** To Whom It May Concern : In your letter dated XX/XX/2018, page 2 you acknowledge that under the FCRA that I have the right to request a description of the procedure used to determine the accuracy and completeness of disputed information. 

I am requesting the exact method of verification used considering Bankruptcy Rule 9037 ( a ). 

REDACTED FILINGS. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials ; and ( 4 ) the last four digits of the financial-account number.

Please note : You may not surmise that just because a name, partial address, partial account number, partial SS number, generation ( Jr., Sr. ), and or the 2nd or 3rd generation etc. is accurate. 

Therefore, based upon Bankruptcy rule 9037a above, the information many not be verified based upon assumptions.

Failure to respond satisfactorily with a deletion from your records within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. They are harassing me constantly and causing me stress, because of these reporting I have been denied of Mortgage loans and high interest rates on Automobile loan. 


15 U.S.C 1681 Section 602 A. States that 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on XXXX XXXX stating that I have inquires on my report that I did not recognize. I informed them that I had contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX by phone and by mail in regards to unauthorized inquires. I received no validation from said companies that I authorized my report to be viewed. Equifax refuses to investigate even after I have done my part as the consumer.
Product: Credit reporting or other personal consumer reports

The following items do not belong to me. I have already submitted my FTC report showing that the fraud company didn't remove them under section 605. They have XXXX days to remove fraud items and block these items. I demand immediate removal. We are looking to pursue arbitration if items are not removed and blocked immediately. 

I also request the FTC to send all documents including my drivers license my id to these agencies
Product: Credit card or prepaid card

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.
Product: Credit reporting or other personal consumer reports

I am writing to you to request the removal of incorrect addresses from my credit report. Upon reviewing my credit report, I have noticed that there are addresses listed which are not associated with me or my current residence. These inaccuracies are potentially affecting my creditworthiness and financial standing. 


My only addresses that should be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX I confirm that the addresses mentioned above are the only valid and accurate addresses associated with my current residency. Any other addresses listed on my credit report are erroneous and should be promptly removed to ensure the accuracy and integrity of my credit profile. 

I understand the importance of maintaining accurate credit information and request your prompt attention to this matter. Please investigate and rectify these inaccuracies as soon as possible. If you require any additional information or documentation from me to facilitate this process, please do not hesitate to contact me at the provided contact information. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of the incorrect addresses from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The accounts listed below are still reporting on myCredit Reports and need to be DELETED immediately : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year>2024 I purchased a XX/XX/XXXXfrom XX/XX/XXXXfor {$15000.00}. On XXXX XXXX, 2024 I cancelled the purchase contract in writing within 10 days of the purchase in accordance with the provisions of the contract. The company has refused to acknowledge the cancellation and proceed to setup monthly charges through another company called Concord Servicing LLC. This company continued to charge my credit card each month. I filed disputes each month with my credit card and XXXX XXXXConcord Servining LLC did not respond to them resulting in the credit card denying the charges each month. On XX/XX/scrub> 2024 XXXX XXXXConcord Servicing placed a collections on my credit report. After I reported them to several different agencies, they changed the report to a paid off balance and still is reporting on my credit report. There was never any payments made as it was never a valid charge.
Product: Vehicle loan or lease

I made my final payment on a leased Hyundai in XXXX, then paid the buyout price. I was told the title would be released to me once I sent in the odometer release and signed bill of sale. I emailed them and mailed them the documents more than two and a half weeks ago. They still have not sent me the title, and now my registration is expired and I can not register the vehicle without the title. I have called Hyundai Motor Finance multiple times and they are either lying about not receiving the documents or they are simply refusing to release the title to me for a vehicle that I have paid for.
Product: Mortgage

I started the refinancing process with JP Morgan Chase Bank in XXXX of XXXX. It started off as a normal refi but the loan officer would request documents and then wait until the beginning of a new month to reach out and would then request those same documents again. A new loan officer was brought in and I faced the same issue. My credit has been run multiple times and I have sent and resent the same documentation to not avail. It is XX/XX/XXXX and I still have not closed on the refi of my home. I was locked in at a 2.61 % interest rate with a commitment letter but the company allowed that to expire as well. Now I am being told that I need to bring {$7000.00} to closing and I am not locked into the low interest rate anymore as the interest rates are now rising. All this with the company that already holds the loan to my home. I have had this loan with JP Morgan Chase Bank since XXXX and even with that I am still struggling to refinance. I am not taking any cash out of my house with this refi, simply looking for a lower interest rate.
Product: Credit card or prepaid card

I ordered furniture with this card and they immediately closed my card because they said it was fraud. I then called and verified my information and they said my card was fine and reopened. But then I got an alert on my credit report that the account was closed and it dropped my credit score.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's 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 consumer safety.
Product: Debt collection

They Call me every day sometimes 2-3 times a day, they also call my work almost everyday and they have called my wife and my mother. I talked to XXXX at Midland Credit XX/XX/2019 and he was threatening to sue me for the money owed and i told him i would settle for less which i said id do 30 % of what is owed and he would not accept my offer and only wanted me to do payments. I have told them not to call my work or family and sent a Debt settlement letter to them yesterday. He also said if i don't pay them, they will report to my credit and it will hurt my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX XXXX XXXX, has violated my rigths. 
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. 

I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested.
Product: Credit card or prepaid card

I purchased an item from XXXX on XXXX in the amount of XXXX Order # XXXX, this purchase was supposed to be made under there 12 month no interest promotional finance plan. The bank however has placed the purchase under a 6 month promotional finance plan. 

I know for a fact that i selected the extended finance option because my wife originally did the order and i asked her if she did, she said that she didn't remember so i went in and canceled the first order and then did a second one and made sure i selected the extended no interest plan. 

I have attached an image of there website that outlines the purcahse amounts required for each plan. 

I also attached a screen shot through online access of commeity bank the current promotional plan they have me under. 

I also attached the order history from XXXX showing the first canceled order and the subsequent second order. 

I also have attached my correspondences with commeity as i have tried to resolve this issue
Product: Student loan

I borrowed {$70000.00} to cover both XXXX and XXXX degrees. I was a XXXX and a XXXX XXXX was required to remain employed. I unintentionally defaulted on the original loan but did all I could to reinstate. I paid {$350.00} a month for a full year to do this. After doing so I was rewarded with a {$1500.00} a month payment and a new principal of {$190000.00}!! With interest I will have to pay almost a half a million dollars! If this is not the definition of predatory, what is?
Product: Debt collection

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

LVNV FUNDING LLC XXXX Balance : {$1000.00}
Product: Debt collection

On XXXX/XXXX/15 I sent a letter to validate the debt that this company alleges I owe them. I have record of them receiving but not complying to validate the debt.
Product: Debt collection

This company has continued to call me, send regular correspondence and certified correspondence to attempt to collect a debt I have included in my active chapter XXXX bankruptcy. 

I notified two members of their staff on 2 separate occasions of my case information and am still receiving calls and letters. 

This is a violation of the bankruptcy automatic stay. 

I have also emailed them via their customer service email address listed on their website twice ( XX/XX/XXXX and XX/XX/XXXX ). 

They have sent 2 correspondence regular mail and 1 correspondence via certified mail in attempt to collect a debt. 

This is ridiculous and a violation of bankruptcy law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Experian is refusing to allow people to independently dispute personal information if it is associated with a collection accounts ( even when the collection account is also under dispute ). Instead of doing their job and independently fact checking like they are required to do under the Fair Reporting Act, they are telling consumers to contact collection agencies directly to have incorrect information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately, The cars were also auctioned off for sale by the finance company so the balance is also incorrect I have all factual documentation to backed this claim and if the bureaus do a complete and correct investigation instead of allowing these companies to tell them its correct and the investigation is complete, that is not accurate or acceptable I demand these car collections be removed from all three of my reports for XXXX XXXX XXXX  and XXXX XXXX XXXX  finance company
Product: Mortgage

I have been trying to sell my property as a short sale. This property has been under contract since XX/XX/XXXX. Citi Mortgage is the 1st lien holder and Citi HELOC is the second lien holder. Citi countered the buyer 's {$200000.00} offer with {$230000.00}. The value dispute was initiated on XX/XX/XXXX and up until now we have not receive an update from Citi other than them confirming receipt of the docs and that the file was endorsed to their review team for the value dispute review. 

As per Citi, my file was removed from their short sale review while the value dispute review is ongoing. We keep on following up with them for an update because we do not want to keep the buyers waiting. They advised that they do not have a time frame for the review and that's what keeping us worried. 

Can you please assist in making Citi escalate this file? Thank you for your assistance with this matter.
Product: Debt collection

i went to emergency room and was given a perscriptin for ibuprofen, they never gave me any options on test, how much test would be or asked me to sign giving my signature for tests. the actually did nothing and sent me home. i later got a bill, told them i was unable to pay that much, i never heard back til i got the collections, These actions by XXXX XXXX XXXX was a violation of " balance billing '' under the NO SUPRISE ACT. MY RIGHTS WERE VIOLATED.
Product: Credit card or prepaid card

I have a credit account with XXXX XXXX through TD Bank. Im trying to make a purchase however TD Bank is telling them I am ineligible due to my account status. I have paid them on time and ahead of time. Ive attempted to contact XXXX and TD bank. On XX/XX/14 I spent 3 hours on hold with TD Bank and never got anyone to answer the phone. I have loaded a screenshot of the call time. 

The number Ive tried calling is XXXX. I even called at the time their call center opened and was on hold for 30 minutes without an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is disrespecting the laws over in over again and it is hurting my credit profile for me to be able to get a house. In accordance with the Fair Credit Reporting act. In I have asked them to investigate the completeness and accuracy of these accounts and to furnish me with the contract between me and them and they can not!! The List of the accounts below are the accounts that has violated my federally protected consumer rights to privacy and confidentiality under several laws and codes including 15 USC 1681 in 15 U.S. Code 1692g and so many more Account name XXXX XXXX account number XXXX Account name XXXX XXXX XXXX account number XXXX Account name XXXX XXXXXXXX XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that TransUnion is reporting one inaccurate negative item in my account from XXXX, one inaccurate negative from XXXX, two inaccurate negatives from XXXX XXXX  , two inaccurate negatives from XXXX XXXX, and two inaccurate negatives from XXXX XXXX XXXX All negative accounts are showing that I have several chargeoff accounts that have a balance on them. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter.
Product: Debt collection

I have attempted to dispute the adverse account they claim I owe to XXXX from XXXX in the amount of {$130.00}. I have disputed this a minimum of 3 times through XXXX. They responded with a billing statement from XXXX to verify the debt. Their responses from XX/XX/XXXX and XX/XX/XXXX do not verify that I owe the alleged debt. 

I have contacted XXXX about this attempt by this debt collector to collect an alleged debt and they do not have a record of it. XXXX was able to confirm and provide info about my past policies which had termed in XXXX and XXXX. Yet, they continue to report this debt with out validating it per 15 U.S. Code 1692g - Validation of debts. This inaccurate reporting of an account that has not been validated as mine has caused me harm in mental stress trying to get it resolved as well as limiting my ability to get credit on fair terms. XXXX has not done their due diligence either as they have simply parroted the information Caine & Weiner have supplied as being verified due to their apparent business relationship. I demand that this is removed from any and all credit reports created, held, and/or maintained by any and all credit reporting agencies this adverse, unvalidated information has been reported to.
Product: Payday loan, title loan, or personal loan

XXXX XXXX keeps calling and emailing me saying I owe money to them and if I don't pay I am going to jail. I am not familiar with this company.