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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 
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 or other personal consumer reports

My account with Equifax 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 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.

Equifax 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

Please help me and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from XXXX XXXX that is showing as late, but was paid in full for the full balance. I have brought to the consumer credit bureau 's attention multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with XXXX XXXX XXXX to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt..
Product: Debt collection

A collection account was added to my XXXX credit report on XXXX/XXXX/XXXX. By collection company called Avante for the amount of {$1600.00}. A debt that has already been paid for by my insurance company back in XXXX. Placing the account at a XXXX balance. Although this account has been paid. The collection agencies keeps reselling the account. Causing it to repair on my credit report. It is unlawful for a credit reporting agency to report inaccurate information on a consumer credit report.
Product: Debt collection

I am making a complaint about a debt that resurfaced from a new collection agency, after being cleared of this debt by the previous debt collector after being proved that the debt was not mine. This last resurfacing of this debt was on XX/XX/XXXX. This debt is supposedly originated on XX/XX/XXXX. 
It was taken off of my credit once before and is now back on again. This is NOT my debt. This debt is in the amount of {$680.00}.
Product: Student loan

On XX/XX/2023, {$500.00} was unexpectedly taken out of my bank checkings account. This put my account in the negatives. I called ED FINANCIAL SERVICES which is the company that handles my student loan right away. After waiting on hold for hours, I finally got in touch with a representative. He put in an emergency request to get my money refunded back to me because it was 4 times the minimal amount that was due and I am currently unemployed. I do not recall putting my account on auto-pay but if I did, that was 3 years ago before the pandemic. I was not aware that auto-pay could get carried over to another student loan company ( because the company I was paying for previously has changed and I didnt even have an account with this new company. ) Either way I should have rights to get a refund if I feel the amount is way too high. I have made several calls to them since then to get any updates on what is going on and got into contact with one of the rudest representatives today. ( XX/XX/2023 ). She had no information/update on when I will receive a refund or if I will EVER receive it and proceeded to threaten me that I still need to make payments on the next due date or it will be sent to collections. Not one time did she ever bring up temporarily pausing my payments or anything knowing how I have already been depleted of {$500.00} and still this company wants MORE payments and money out of an unemployed person which makes no sense. Absolutely disgusted with this company and will never open an account with them ever again.
Product: Checking or savings account

Have had a lot of un happiness with Citi Bank they have been my worse nightmare to deal with I wanted to close my account its been over one month and was told it can take over 2 months to close not sure what is going on the treatment has been horrible not wanting to help me close my account and get my refund back to me and not wanting to give me the promo that was offered.
Product: Credit reporting or other personal consumer reports

My credit report says that I tried to open up an account with this particular company and I never did but theyre on my credit report as a hard inquiry which is affecting my credit score and I would like it gone because Ive never did it I know nothing of it
Product: Credit reporting or other personal consumer reports

I have file numerous dispute but no one respond to me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXXXXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXXXXXX Balance Owed : {$250.00} ; XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX
Product: Credit card or prepaid card

I attempted to submit a billing dispute because I was over charged by XXXX XXXX in the amount of XXXX and I was unable to complete online and called there customer care # and person over the phone refused to take my dispute
Product: Debt collection

I've made two previous attempts at requesting proof that this debt is indeed mine. They have not provided me the proof as required by the FCRA.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : After, going through an awful divorce, and getting through some significant losses. Im in the process of repairing my credit. 
On XX/XX/2024, I continue to review my credit reports, I notice some things are incomplete and not accurate. For example, some instances of late payments on some accounts for which I have maintained in a timely manner. This information plays an important role in damaging my credit score.

In according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

I request a thorough investigation into these discrepancies. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX
Product: Credit card or prepaid card

I want my deposit returned! This was a secured card added to my bankruptcy
Product: Credit card or prepaid card

My mail was sent to a family members house and my card wasn't with my mail
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA has listed this account as Chargeoff on my Consumer Report for months, I mailed them a letter asking the meaning of the word ( CHARGEOFF ) and they responded with a validation letter. 2 months later they notified me via email that XXXX will be servicing the account moving forward. Ive never arranged for ( XXXX ) to have my information, I never was granted the opportunity to opt out of sharing my information and it was never disclosed to me that I was opting into sharing my information upon applying for this account.
Product: Debt or credit management

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I have sent proof to NATIONAL CREDIT SYSTEMS that XXXX has admitted to my data being sold and bought illegally and they have refused to provide the burden of proof that i owe NATIONAL CREDIT SYSTEMS the debt.
Product: Mortgage

I received a 18 month Covid forbearance because I experienced hardship during the pandemic, the forbearance was from XX/XX/XXXX to XX/XX/XXXX. I called my mortgage company on XX/XX/XXXX to discuss payment options since the forbearance was ending and the representative advised I could apply for a VA Disaster Modification which did not require an application or documentation to be provided. I advised the agent I wanted to proceed with this option. I called the mortgage company in XXXX, XXXX, and XX/XX/XXXX and also called in XX/XX/XXXX. I told that my VA Disaster Modification was denied and that my loan was being transferred to a new servicer who would assist me with modifying the loan. Something didn't feel right about the call so I called back in a few days and a representative told me that I was provided incorrect information and that my mortgage was not being transferred to a new servicer but that the Disaster modification was indeed denied and the only option I had was to apply for a full modification. I explained to the representative that I have been told month over month that met all requirements for the VA Disaster modification and that I just needed to wait for the review and I would receive the modification documents in the mail that would explain my trial and repayment period. I said it was very frustrating to wait 3 months and now have to start over and have to complete a full modification application and provide bank statements, tax returns, and paystubs. I said I do not want to apply for a full modification and am just trying to resume payments but I understand there is a 18 month forbearance balance that needs to be added to the end of the loan or some other action. The representative then advised that I may be eligible for the VA partial claim that would create a separate Note for the 18 month forbearance balance but the representative did not know how to complete it. I asked to speak with my assigned loan workout specialist or to a supervisor and the representative told me that she can not transfer me and can only send them an email and ask them to return my call. 
I just need help to speak with the correct department/person to confirm what steps I need to take to resume making my mortgage payment. I do not want to apply for a loan modification and should not have to do that.
Product: Credit reporting or other personal consumer reports

there is an account on my report that doesn't belongs to me I am asking that this account gets erased from my report immediately. I am not familiar with the account or me opening it.
Product: Debt collection

Bread financial consistently and repeatedly called multiple times per day for each day the payment was overdue. Collector would call 5+ times per day and would call back-to-back. Creditor would also call on weekends. Additionally, the collector never sent a written notice. Pictures attached show recent 48 hour call log. Additional records are available after billing cycle process if requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and Transunion Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, non-written, verbal, and non-verbal per 15 USC 6802. Therefore I am opting out of any derogatory indicators such as late payments, charge off, collections, bankruptcies, judgments, liens and hard inquiries.
Product: Credit card or prepaid card

Two disputes attempted for an airline tickets from United airlines due to COVID-19, chase bank denied these disputes for none sense reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  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.

15 U.S.C 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
Product: Credit reporting or other personal consumer reports

I believe that this collection account is inaccurate and should be removed from my credit report. I have enclosed documentation that supports my dispute, including proof of payment, correspondence with the collection agency, and the fact that I did not receive a XXXX for this debt. 

Furthermore, I would like to bring to your attention that the date of the alleged debt is past the statute of limitations for collection in my state. Therefore, I request that this collection account be removed from my credit report based on the expiration of the statute of limitations. 

I request a thorough investigation into this matter and request that the collection account be removed from my credit report if it is found to be inaccurate, unverifiable, or past the statute of limitations. 

I understand that the Fair Credit Reporting Act requires credit reporting agencies to investigate disputed items within XXXX days of receiving a dispute letter. I request that this dispute be resolved within the required time frame. 

Please provide me with written confirmation once the investigation has been completed and the collection account has been removed from my credit report.
Product: Vehicle loan or lease

On XX/XX/XXXX, I bought a semi tractor and trailer. XXXX was the finance company for these pieces of equipment. My husband and I signed the contract as personal guarantors for the loan. 
We titled the truck and used it for about a year and paid on it every month. On XX/XX/XXXX I surrendered both pieces of equipment XXXX notified me that the equipment would be sold at auction. 
In XXXX and XX/XX/XXXX, XXXX ran a hard credit report on me, without my permission. They caused my credit score to go down. 
Around the first of the year in XXXX, I received an email from XXXX notifying me that I owed {$44000.00} for the difference in the equipment sold to what I owed on the loan. I asked why. I was informed that both pieces were sold. After attempting to negotiate, they would not accept my offer. They wanted $ XXXX/month, which was not feasible as I was no longer in business. They informed me they would be seeking litigation to recover costs. 
XX/XX/XXXX I received documents from my lawyer that XXXX sent. One of which was a letter from the WA State DOL asking for the title of the tractor back as it was illegally titled. The title from Tennessee in XXXX had a crushed brand on it. When we titled it in WA originally, the Oregon title was clear, no brands. 
XXXX knew about the branded title two years ago. They did not inform us that they could not sell the truck. They waited until XXXX to attempt to get the money from us. 
Currently, they are suing me for a truck that is branded and expecting me to pay them the full amount left on the loan plus legal fees. 
If I had known the title was branded, the truck would not have been bought. The bank needs to go after the dealer to recoup their money. I am not sure how I am responsible for a vehicle that is valued at {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes to experian and provided proof of XXXX XXXX account. The account is not legally mine and I provided proof along with that the information such as payment amount and payment history was inaccurate provided solid proof. The account was delete in XXXX and reappeared in XXXX with no notice. I am still not responsible legally for the account.
Product: Money transfer, virtual currency, or money service

To whom this may concern : I have been dealing with multiple unauthorized transactions on my account, that Zelle has failed to provide actual support and solutions for. After reading about the CFPBS finding, it is clear, that this is absolutely nothing out of the ordinary for Zelle.
Product: Credit card or prepaid card

On XX/XX/2020, I became aware of fraudulent charges on my account and immediately notified Customer Service, via phone, of this situation. The agent was very helpful, but ultimately, indicated she was not able to complete the claim at that time, due to some issue with her system. She advised that she would complete the process after our call ended, and that someone would contact me to confirm the completion of the dispute process. She very clearly indicated that I would not need to follow-up further, but that I would be contacted. 

On XX/XX/2020, I still had received no calls regarding this matter, but upon logging in to my account observed that the charges had all been appropriately credited. However, on closer review, there were 2 larger charges, in the amounts of {$77.00}, and {$220.00}, that had somehow fallen off the claim, even though I had clearly indicated they were not recognized, and fell within the date range of the fraudulent activity. ( Please feel free to check the call transcript to verify. ) Over the last 10 days, I have been calling frequently to Customer Service to resolve this -- to have those 2 items added to the claim, and to check on their status. I have been advised that they were included, but I have also been advised that the case was closed on XX/XX/2020. So I am quite confused, 1 ) why the first batch of credits occurred within 2 business days of my original claim of XX/XX/XXXX, but these items remain uncredited so many days later ; 2 ) if the case is indeed closed, how can the 2 items ( which I were told *have* now been included ) not have been credited yet in the process of closing the case?
Product: Debt collection

XX/XX/2020 I was placed in collections by Paramount Recovery Services for {$920.00}. I do not recognize this amount owed nor the companies claiming this debt. My XXXX XXXX report sates that XXXX XXXX XXXX is the original debtor which hired Paramount to collect the unidentifiable charge. I have never received any notifications via mail, email or phone call. Based on XXXX it appears that many false claims have been made by Paramount Recovery Services. it seems to be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient has been reporting incorrect information to my credit report.I was told that I was under forbearance in 2016 Navient instead reported me as 120 days late in 2016.It is incorrect information