23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> I mailed-in a check for payment for my purchases of {$45.00}, which was due by XX/XX/year>. 
They CLAIM that they did not receive the payment for XXXX weeks, even though my check was cashed thru my XXXX XXXX, which I verified, so they actually DID receive my payment. 
This is a typical tactic that Credit Card companies use to charge additional fees, which most people just pay. 
They then began to charge to my account Late Charges, Interest, & Penalties, which are now up to over {$150.00}., when i actually have a ZERO balance on my account. 
AND, they absolutely REFUSE to waive any of these bogus fees. 

In addition, they have reported me to all thee of the Credit Bureau 's, which has reduced my FICO score from XXXX to XXXX!! 
That's over XXXX points lower for an alleged balance of {$150.00}. 

This is pure retribution, and should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported the inaccuracies of the report to all three bureaus and for the account to be removed from my report
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2024 Subject : Dispute of Repossession Entry on Credit Report To Whom It May Concern, I am writing to formally dispute an entry on my credit report regarding a repossession of a vehicle. Pursuant to consumer law, specifically UCC 9-506, I believe this entry is inaccurate and does not reflect the circumstances surrounding the repossession accurately. 

The entry in question is as follows : SXXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX I respectfully assert that this entry is inaccurate for the following reasons : 1. Lack of Proper Notification : According to UCC 9-506, the creditor must provide the debtor with reasonable notification before disposing of the repossessed property. I did not receive adequate notification of the repossession, nor was I given an opportunity to cure the default as required by law. 

2. Failure to Sell in a Commercially Reasonable Manner : UCC 9-506 also mandates that the creditor must sell the repossessed property in a commercially reasonable manner. I have reason to believe that the sale of the vehicle did not meet this standard, and therefore, the deficiency balance may not accurately reflect the fair market value of the vehicle.

3. Violation of State-Specific Laws : Additionally, Georgia state law imposes certain requirements on creditors regarding repossession procedures. I believe that the creditor may have violated these state-specific laws in their handling of the repossession. 

I request that you investigate this matter promptly and remove the inaccurate entry from my credit report. Please provide me with written confirmation once the investigation is complete and the entry has been corrected. 

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In my personal info... ..in everything - credit companies, XXXX  XXXX  and search engines there is an additional address. 
I have notified the three credit companies and " XXXX XXXX '' and and search company but it has not been removed.
Product: Credit card

On XX/XX/XXXX a fraudulent charge was made on my Home Depot credit card for {$3500.00} I contacted the company to file fraudulent charge on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that I was found to be responsible for the charges. I again disputed the charge On XX/XX/XXXX they asked me to fax drivers license to them which i did and they claim to never receive it although i have proof of transmission. I then mailed this proof along with my wife 's license and signature and again they claim they didn't receive it. On XX/XX/XXXX they claimed again I'm responsible for fraudulent charges. On XX/XX/XXXX I filed a fraudulent charges police report and submitted it to the credit card company. I was in contact with the company several more times to check on status and was always told it was still under review. On XX/XX/XXXX i was again told they didn't receive my drivers license information and I again faxed it to them again on XX/XX/XXXX. I received 3 more letters from company stating I'm responsible for the fraudulent charges and also received 2 letters stating that attorney placement is pending. Every time i called there the story about the charge changed and they always asked me the same questions over and over. According to the credit card company an increase in credit was requested days before the charge was made which again I did not request and they allowed .I asked them to check video surveillance which was denied. I have been cooperating fully to try and resolve this but they are still finding me responsible for this fraudulent charge.
Product: Credit card

In the month of XX/XX/XXXX, I had notified BMO banking regarding two of my credit cards I had with them that I was unable to make payments towards due to a divorce that left me in a financial hardship. I also advised the company that it would take me at least a couple months before I was able to pay it down. The company then sent me to collections for both credit cards and closed my accounts without any warning or final notices to notify me. Due to them closing my accounts my XXXX XXXX jumped from XXXX to XXXX. I spoke with the collections company and they were no help either advising that I would have to reach out to BMO directly as they were the company that sent the debt to collections. Once I unexpectedly found out that both cards were closed out, I reached out to a few family and friends who work in the banking industry and they advised that by law banks are supposed to offer their clients a financial assist program along with notify them ahead of time before sending their accounts straight to collections. I also spoke with the collections department on XX/XX/XXXX regarding the letters they continuously kept sending me that werent supposed to be sent out to me once back payments were made. I made payments towards BMO banking directly towards the XXXX credit cards. The first payment was made on XX/XX/XXXX on the platinum rewards credit card in the amount of {$820.00} which includes late fees. I also made another payment on the same day XX/XX/XXXX towards the cash back credit card in the amount of {$600.00} that also includes late fees. I was advised by BMO banking that once I made payments towards the cards I would no longer be receiving any notices from collections. Once payments were made I called BMO banking back to advise of the payments that were made. The representative I spoke to also advised that she was documenting everything including a complaint I made through them directly. With the complaints that were made and the several calls I made the issue I was having never got resolved nor were any help. I also advised the representative that both cards would be completely paid off by end of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to protect my credit file so I'm requesting a security PIN from the bureau 's ( XXXX, Equifax, XXXX XXXX, XXXX XXXX, XXXX, and XXXX ) y name that is associated with my credit file is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Equifax on XX/XX/2021 in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received a response yet as to if there is an investigation in progress, please fix this immediately.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING 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.

This company 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 or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX of inquiry XX/XX/XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The Department of Education continues to inaccurately list 3 loans as viable accounts on my credit report. As indicated on the Federal Student Aid database, loan Account Number XXXX  XXXX ( balance of {$3200.00} ) was originally opened XX/XX/XXXX ; loan Account Number XXXX  XXXX ( balance of {$62000.00} ) also has an original open date of XX/XX/XXXX. The third loan listed, Account Number XXXX  XXXX ( balance of {$2100.00} ) has an original open date of XX/XX/XXXX. All were consolidated and defaulted on in XXXX. The US Dept of Education continues to renew these debts, making them an interminable punitive measure when they have no legal right to do so. The US Dept of Education finds varying ways to keep these accounts on my credit report, including their most recent effort to take them out of default by their own will and not my request or consent. 

The legal time constraint for these items to be reported has reached its threshold. The USDE is not above the FCRA. And based on the FCRA 's regulatory measures, these accounts should have been removed in XXXX. 

I have included the Master Promissory Note of the accounts in question. I have also attached a letter from the FSA indicating every loan was opened ( and defaulted on ) in XXXX. PLEASE REMOVE THESE ACCOUNTS POSTHASTE.
Product: Student loan

I took out a refinance loan from   XXXX   XXXX   XXXX   (   XXXX   ) to pay off   XXXX   of  XXXX  of my federal direct student loans serviced by Navient. The loan was funded on  XX/XX/XXXX /17, and Navient indicates the payment was processed on  XX/XX/XXXX /17. The payment from  XXXX  to Navient was made via wire transfer, with explicit instructions on which loans the payments were intended for. Navient applied the payment across all loans on XX/XX/XXXX /17. I called  XXXX  to confirm the payment was sent to Navient with those instructions on  XX/XX/XXXX /17, and they confirmed this. I called Navient to rectify this on  XX/XX/XXXX /17, and they claimed they would now apply the payment to the correct loans.
Product: Credit reporting or other personal consumer reports

Experian lying again an closes the complaint without addressing the issue and giving explanations that are ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX  XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Keep trying they won't remove I never apply to these company don't know any of them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute multiple times with over the course of a few years about credit errors on my credit report.. I have reached out to the companies that have been reporting and I have notified the credit bureaus that the errors exist and every time I dispute them the end result is that it meets requirements. I have notified XXXX XXXX that the wrong debt collector is reporting on a collection account. I have tried to dispute it and twice it has come back that meets requirements. EOS CCS Is reporting on a XXXX account that has been bought by another agency and this has been disputed and and the credit bureaus will not remove it. I have reported that an apartment community its charging me incorrect balances over the past four years on both XXXX and XXXX. At one point I had double entries for the same collection account. And they will no longer allow me to dispute it online which I dont think its fair when it is in accurate. I have a payment agreement with XXXX word which is showing the incorrect balance based on the payment agreement is still showing my total balance and its not showing my current payment history or balance with them. XXXX words which is been reported by XXXX XXXX XXXX has been informed that XXXX XXXX has fraudulently attempted to collect A substantial amount outside of what i owe to them and I cant get this corrected.. I had a lease fraudulently signed in my name and have been charged a termination fee because I was not living there during that time and cant get that off of my credit report.. I have been denied a job with the Department of Justice, denied a security clearance multiple times and most recently denied housing because of these errors. For someone whos trying to correct their finances I dont think that its fair that I can not reach out to these individual entities and get this corrected myself without having to pay someone they are taking advantage of the consumers ignorance towards the fair credit act and reporting.. I also do not believe that if an entity doesnt report my payment history at all or even good payment history ( ex : cable, cell phones, colleges, utility companies, insurance, rental payments, etc etc ) and when it is good they should not be allowed to report when consumer has financial difficulty and is unable to pay. It is a predatory practice and it is not fair to the consumer.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records

maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such
reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect XXXX XXXX XXXX XXXX  Employer - XXXX XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

Company billed only 1of2 insurances I had. I had paid {$120.00} to company not realizing until after I paid. They then billed 2nd insurance for rest/all left debt and was paid. I then received a refund check from company for {$120.00}. But also received a letter from a debt collector they sent me to for {$200.00}, WHICH is false billing. They received in full from both my insurances making my balance to them {$0.00}. But still sent me to collections on a debt I dont owe.
Product: Consumer Loan

I am making a complaint against Wells Fargo Dealership services they repossessed my XXXX HYUNDA SONATA. I was paying the notes on the car the last payment that I made was XX/XX/2016 and it was taken XX/XX/2016.This situation put me in a very terrible situation.I was not able to get to work because of the repossession. They sold my car and they now want me to pay the balance of the loan.,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I submitted letters to XXXX, XXXX and Transunion disputing accounts that were on my credit report that were not accurate. It has now been over 30 days and I have not received a response as of yet. I am trying to leverage my credit to build my business and this is slowing my process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having an issue with shell point mortgage they added escrow to my account despite me being 100 % totally XXXX veteran making me XXXX exempt from the taxes on my home. I have talked to the company and they have agreed to to fix my credit report from showing 2 missed payments which is killing my personal credit. XXXX did an investigation into my mortgage payments being flagged as 2 missed payments delinquent and didn't change anything despite the information being incorrect on my credit report. I have never missed a payment on my loan and asked them to fix the situation. I already spoke with the mortgage company about this now I'm looking for a quick resolution.
Product: Debt collection

XXXX / XXXX / Now AFNI : I never received a Collection Notice from either of these Agencies.. I had disputed this issue with XXXX, XXXX Deleted from my report back in XX/XX/XXXX. Now recently AFNI reported this to XXXX and has it on my report, causing it to reduce my Credit Score. This is Not Mine, I am totally unaware of where this came from. I 've had XXXX as my Cell Phone provider since the XXXX 's, Never had issues with them. Always Paid my bill and keeping my account up to date. Why would XXXX keep me as a Customer, owing an outstanding debt for over two years?
Product: Debt collection

Today, XX/XX/2019 around XXXX PST I received a call from XXXX and the first thing I was asked for was my social security number. I asked what the purpose of the call was and was told that would be given once I told them the last 4 of my ss #. I told them I need to know who they work for, they wouldn't tell me. I told them I needed to know what the purpose of the call was again and they said I would need to give the last 4 of my ss # for them to tell me. Reluctantly, I gave them the last 4,  then they told me I owed money in delinquent taxes to the state of Mississippi. This is false. I have paid all of my taxes in MS and I haven't even worked in that state in over 3 years. They said they had been sending stuff to my previous address so I said mail it to my new address. Since I do not owe anything, I believe this to be a scam as they couldn't even tell me what company they worked for. It will be interesting to see what they end up sending me in the mail, as I do not owe anyone anything.
Product: Debt collection

Im in disagreement with the accounts below listed which still appears on my credit report even after several investigations..I would like these fraudulent accounts, immediately be reinvestigated, The inaccuracies of these accounts are injurious to my credit score. 
XXXX Acct # XXXX XXXX Acct # XXXX In accordance with The Fair Credit reporting act, public law 91506, title VI, section 611, your company ( Equifax ) must provide the names and business address of each individuals to whom you verify those accounts accurate Thank you