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

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXXL, 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 the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

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

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


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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

In accordance with the Fair Credit Reporting act XXXX 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 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a copy of my social security, my utilities bill & drivers license, I have constantly disputed the incorrect addresses on my account, the company has yet to get back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting multiple fraudulent accounts without right. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acts of creating credit is not authorized by the constitution and laws of the United States, is unconstitutional and void, and is not a lawful consideration in the eyes of law to support anything or upon which any lawful rights can be built. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting these accounts to my Credit file with the intent to swindle me into paying a note that is void is a violation 18 U.S.C 894 for attempting to coerce me to pay an alleged debt not owed is extortion and blackmail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  did not give me lawful consideration only XXXX can create something of value from nothing. I now demand said persons to cease and desist from all communication including credit reporting agencies.
Product: Checking or savings account

My name is XXXX XXXX. I recently received a check in the mail from the U.S Department of Treasury in the amount of XXXX. It was a Federal Student Loan Refund from the Department of Education. I deposited the check in my Chime acount on Wednesday XX/XX/2023. On Thursday XX/XX/2023 I check my Chime app and noticed that I have been locked out of my account. I received an email from Chime stating that unusal activity of a recenty check deposit requires necessary document requsted from me to be reviewed to unlock my account. I immediately uploaded all requested documents to Chime on XX/XX/2023 after I camed back from a family reunion vacation in Florida. I even took an extra step and Called the Department of Education to verify that the check was intended for me as the recipient. They said YES the check was for me. They sent me an invoice/letter via email for record of confirmation. I forward that email to Chime as well. Everyday I called Chime and no response on how long it will take for them to released my funds back to me. I have a total off {$8000.00} in that account and no way to pay my bills. I am behind on bills and on the verge of being homeless. I filed a compliant with California Financial Protection and Innovation on XXXX XX/XX/2023. My complaint # XXXX. I reached out to the local news and emailed them my situation to see if i can get some help on how to resolve my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX. I am submitting this complaint on behalf of myself, no third party involved. XXXX of XXXX I began the dispute process with Equifax over 3 unverified accounts in collections on my report. I disputed all 3 accounts from XXXX XXXX because all accounts were unverified. I received no responses from the first investigation. I repeated the process with 3 more rounds of disputes, a total of 4 rounds of disputes in an attempt to resolve the discrepancies with the company. Each time from rounds 2 through 4 they provided invalid forms of proof in order to justify illegally reporting these accounts on my credit report. Each time their willful and improper investigations yielded no VALID forms of documentation as required by the FCRA under section 611 to provide proof that the debt is in fact mine. There must be an original document consumer contract containing my signature on it in order to verify the account and legally report it. The dispute process with the company ended XX/XX/XXXX without remedy. My account has had these collections since XXXX and for several years has damaged my credit and negatively impacted my life. Im homeless and have been unable to obtain housing for years because of the illegal practices ruining my credit caused by Equifax. Ive exhausted all options with the company and they have repeatedly dismissed my valid disputes over my credit report. Roughly cost {$120.00} to dispute with Equifax for printing, copying, postage, and notarizations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Quicksilver Credit Card is still reporting to XXXX this account. I was only an authorized user and the report shows a missed payment. They were informed to remove me as an authorized user months ago! 

This missed payment reporting of a card in which I have no connection with is damaging my credit. Capital One knows this too! I want it removed immediately. I do not want a response that is meant to creditsplain to me how credit works, how their company works, or any other manner of deflection. 

I am asking that the CFPB mediate here and take action, not just close the case as done time and again. To be clear, the Quicksilver Capital One Credit Card is not mine, was reported so months ago, and I want it removed effective immediately from XXXX.
Product: Debt collection

This company started reporting on my report as of XXXX XXXX, 2017. I have not received anything in the mail about this debt. In fact, I 'm not even sure its mine. This debt has not been validated. I want it removed from my report.
Product: Credit card or prepaid card

I paid off a Macy 's credit card completely and totally in full. I contacted the company to close the account. I have since then been harassed by this company for charges that were assessed AFTER THE CARD WAS CLOSED. They continue to assess what they call late fees, service charges, and so on. I was told in XX/XX/XXXX that the account was closed and these charges were waived because they were not legitimate. I received written confirmation that the account was closed. The company continues to send me bills and call me. This is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two collection accounts are paid in full and needs to be removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  placed a collection on my credit. It showed up on Transunion XX/XX/XXXX ( score increased by XXXX ) which made no sense-I called XXXX XXXX and first rep who could not locate the account told me to file a dispute, so I did. I called back after thinking about what she said and asked for a manager-he located the accounts, and I paid the balance XXXX in full. on XX/XX/XXXX my score went down again by XXXX pts and note by transunion said no change. XX/XX/XXXX score went up XXXX pts as XXXX XXXX  marked collection as paid in full. The dispute I filed ( mentioned above ) was completed on XX/XX/XXXX and the collection account was deemed valid with a balance of XXXX in error and my score decreased again by XXXX points. I contacted transunion they told me to contact your office-I also XXXX XXXX 2 times and they advised it was an error and they would remove it. So finally, transunion removed it and my score went down again by XXXX points note listed account collection removed. I have not been able to resolve this and I feel the point calculations are unfair and inaccurate. I need help please
Product: Vehicle loan or lease

I was upset after I looked at my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Checking or savings account

I found a police report concerning this matter. Please remove this information at once. Its as its inaccurate you have yet to send me exact trans actions that calls this debt in the first place. 

Report # XXXX Report : type : fraud Officer : XXXX Badge # : XXXX
Product: Vehicle loan or lease

53rd Bank closed case # in bad faith. Despite multiple phone and email documentation about multiplle payment credit errors, including a XX/XX/XXXX principal only curtailment payment of {$1000.00} that was never credited to my payments for this horrific, unprofessional disaster of a bank ; XXXX XXXX " of the XXXX XXXX office '' then closed this complaint despite sending me a print out of my regular and extra curtailment payments without the promised explanation about why the bank did not credit my regular XX/XX/XXXX payment of {$570.00} appropriately, but instead randomly back credited the ACH payment to XX/XX/XXXX ; and still has not credit the {$1000.00} curtailment payment also made on XX/XX/XXXX via the same ACH to any date at all. Attached is the bank 's own " ledger '' of my payments which notes they received a {$1000.00} curtailment payment from me on XX/XX/XXXX ; but as of today - XX/XX/XXXX, has refused to acknowledge this error, and to appropriately credit my account. 

Given the long discussions by phone I have been forced to have with XXXX XXXX and a multitude of 53 customer service about the bank 's multiple errors, especially in regards to the XX/XX/XXXX regular and extra curtailment payment, there is zero possibility XXXX or the bank closed this complaint in good faith. Due to their continued incompetence to correctly. credit my {$1000.00} XX/XX/XXXX curtailment payment, the bank also overcharged me for the interest applied/reapplied due to their errors, and is continuing to require extra time and extra dilligence from me to get them to correct at best their continued incompetence, but at this stage, more likely gross negligence or outright theft : Please note from their own statements my XX/XX/XXXX total payments. Then review the inaccurate ledger accounting XXXX XXXX sent to you and to me to " close this complaint '' - but has still failed to appropriately credit the XX/XX/XXXX {$1000.00} curtailment- on any date, any where. 

I have lost significant work and personal time dealing with 53rd 's incompetence/now gross negligence ; continue to be mischarged interest/have principal payments correctly credited. 

XXXX XXXX said 53rd 's legal department would sign off the accounting and resolution she sent you and me. That accounting/ledger is still not correct. WHY? 





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

I opened an account with a bank institution and they kept telling me i was late on my payments even though i was n't. They added so many extra fees and late penalties even though i could show them that i paid every bill that i received that i finally just closed the account and since they refuse to work with me then i refused to work with them. But now they have put things on my report that are damaging it severely.
Product: Credit reporting or other personal consumer reports

My mortgage loan was serviced by service Mac and they sold the loan. I received a letter from XXXX XXXX on XX/XX/XXXX stating that they are my new mortgage servicer as of XXXX XXXX, and that I no longer make my payments to them as of XXXX XXXX. I paid my XXXX payment to XXXX XXXX as the letter stated. Service Mac is reporting my account as delinquent when they are no longer my servicer. I believe the company is doing fraud they are harassing me stating I owe them for XX/XX/XXXX and now the month of XX/XX/XXXX when my loan is no longer with that company. They will not respond to me and only states that my loan hasnt been transferred when it has and I have been paying the new company. I am very frustrated because they are harassing me for payment and reporting late payments on my credit when my loan was transferred.
Product: Debt collection

IQ Data international XXXX XXXX ) has Been calling me to collect a supposed is a supposed ode amount from my don't from my previous residential residential buildings management. I have been trying to set up a payment plan but have been told that if I don't make a payment in full they will well damage my credit score. I've been hung up on several times.. Today I received a call and once again tried to set up a payment pla payment plan but was put on hold twice and hung up on.There 's no way it's legal for them to report delinquent payments but not accept my phone calls in order to try to pay. I'm I have called at least 10 2 day and left voicemails.
Product: Money transfer, virtual currency, or money service

I attempted to deposit my check from Social Security but they did not help me with any assistance and I could not utilize my funds so it caused me to possibly lose out on some medication that was necessary to continue my growth. The CDC said that I am supposed to be 6 inches taller based upon my mother and fathers height so I am still waiting on medication to leave the premises respiratory medication that helps with my productivity and focus so I can write my reports appropriately and provide assistance to those who were in my circle to see if they were having the same problems.
Product: Debt collection

Hello! I sent a certified letter twice to credit collection services requesting them to validate debt they reported to my credit their claiming is mine & i have got no response. Im requesting this debt to be removed from all three credit bureaus due to me not owing debt and company not being able to validate its mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX and XXXX deliberate furnished erroneous and inaccurate information on my credit report on my credit report. After many complaints against this same issue, these 3 mayor credit reporting agency continue with the inaccurate reported account on my credit report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something
Product: Credit reporting

Negative info is about an account with XXXX which I never open never asked and never sign a contract with them and I never used their service. The amount is {$330.00} Second negative is about an utility bill for {$68.00} for a rental that I never received and I payed after I find this in my credit report.Ater the payment I ask the collection agency to change the info in the credit report and mention that was a mistake as a result of miscommunication. 
They refused.
Product: Credit card

Hello, i 've been trying to contact LHR INC collections agency to settle debts but i have tried XXXX different number i could n't contact them. 
XXXX XXXX XXXX and ( XXXX ) XXXX those are the XXXX numbers contacted. I want to settle this debt and start my credit and my life back. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had only one credit card and it is paid automatically in full every month on its due date. With no warning my credit limit was lowered from {$30000.00} per month to {$8000.00} and my credit therefore overdrawn. I was refused credit and had to get money from my daughter to buy needed items even the food I purchase by the week during covid, etc. The bank informed me that my credit score with XXXX was only XXXX and therefore XXXX XXXX could no longer grant me credit limit of {$30000.00} and had no interest in my situation. This was on XXXX XXXX. I immediately contacted XXXX and they told me that my credit score on XX/XX/XXXX was XXXX. I was in the midst of a new loan, Huntington Bank took over TCF, This became almost a game. Huntington told me my XXXX score on XX/XX/XXXX was XXXX. XXXX told me my score on XX/XX/2021 was XXXX. 
I was turned down for a home equity loan, My credit limit on my charge card request for a higher limit was refused. The banker said that this was not the reason for the refusal but I do not understand how XXXX and Huntington could get numbers from XXXX that are not the same as the scores they send to me and I do wonder how to regain my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 my husband passed away. You company allowed someone to close out a joint credit card between my husband and myself. I ask your company to write or send me the information that a call has been reported. This was a very bad situation because I was a joint owner of the account and the account needed to be closed in the proper way Please I need in writing who closed this account. And for who or why did you summit Bills to my attorney which cause money as the attorney gets paid by the hours. 

You received information that was personal and you acted on a phone call. The personal stole this account information with permission.
Product: Checking or savings account

We went to chase to deposit {$12000.00} to our business account in Chase bank at XXXX XXXX XXXX XXXX, XXXX, CO XXXX And the teller deposited into the wrong account ( someone else 's account ) and I went back to the bank in about an hour to asked them to fix the issue and the manager said they will have to open a case but I wouldn't have money available until 2 business days, if I don't pay my employees I'll lose a lot of business and may have to shut down my small company, I need help to fix this issue as soon as possible.
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 15 USC 1681. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX accounts. I dont have the account numbers because I didnt get them. They arent mine and I dont know why they are on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 590. 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I started receiving Invoices for a License Plate which is not mine. I have never lived in nor registered any vehicles in Minnesota. I called them and told them this is not my bill.They said they got my information from the state of Minnesota. I told them they are required to prove that ... which they did not. They billed again. I called again ... this continued. My husband called and asked to speak to a manager. She told him well it must be a mistake then just ignore it. THEN we receive a letter from Linebarger Groggan Blair & Sampson , LLP. Still not my License Plate... still not received any proof showing it is. IF I was able to prove it wasn't mine, I would. However, I can't get information as to who actually owns it because it is Minnesota DMV 's to prove to them. I contact Minnesota DMV, emails attached... it is not my License Plate.