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

My account with EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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. 


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX 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

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$1700.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This line item reports the Ownership as Joint '' and/or " Co-Signer. '' I did not sign any documentation for a lease term of any time frame with XXXX XXXX XXXX XXXX. This account does not belong to me and this incorrect reporting of a collection is harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Product: Debt collection

My husband and I received a letter from " Agency of credit control '' on XX/XX/XXXX of XXXX with an itemized bill under my husbands name asking that we pay off the debt of {$410.00}. We called XXXX XXXX XXXX on XX/XX/19 to pay off this debt and XXXX informed us that they sold off the account off to a 3rd party collection agency and will have someone reach out. On XX/XX/XXXX we got served with paperwork for the both of us in regards to this debt. We looked up this company " Agency of credit control '' and they had many complaints on how they collect. We called XXXX XXXX XXXX XXXX today XXXX and spoke to XXXX and she disclosed information on our account to a 3rd party with little information and she confirmed that they are a legit company. I called Agency of credit control to come to an agreement and they let me know that my new balance is now {$1200.00} due to collection and court fees. Our court is not set up for XX/XX/19 @ XXXX. I am calling way before our court date to set something up but now they are increasing my balance claiming court fees are included. Second option they gave me is {$810.00} by XXXX. They have tripled my debt and this is illegal and a huge FCRA & FDCPA VIOLATION
Product: Credit reporting or other personal consumer reports

I've been trying to fix my credit reporting with XXXX by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX Attn : CFPB Subject : Formal Dispute Follow-Up Regarding Inaccurate Credit Reporting To Who It May Concern : I am writing to express my extreme frustration and disappointment regarding the handling of my recent dispute over inaccurate information reported on my credit file. I initially submitted this dispute in XX/XX/year>, providing evidence to demonstrate inaccuracies, including late payment reporting discrepancies among the three major credit reporting agencies. Despite this, the information was not corrected or deleted, and your verification process has upheld clearly incorrect data.

This inaction is not only unjust but also in direct violation of federal consumer protection laws. Are you aware of your obligations under 15 U.S.C. 1666b and the Fair Credit Reporting Act ( FCRA )? The FCRA mandates that consumer reporting agencies like yours ensure maximum possible accuracy of consumer information ( 15 U.S.C. 1681e ( b ) ) and conduct a reaso
nable reinvestigation of disputed information within specific timelines ( 15 U.S.C. 1681i ). The law also requires that inaccurate, unverifiable, or incomplete information be modified or deleted promptly ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

The discrepancies on my credit report are not only evident but are now directly hindering my ability to purchase a home for my family. The conflicting reporting between agencies reflects negligence in ensuring accuracy and consistency, which your company is obligated to address under the FCRA.

If this issue is not resolved promptly and satisfactorily, I may pursue legal action. For reference, cases such as the Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX ( Case No. XXXX ) outline how agencies can be held accountable for failing to meet FCRA requirements. As in that case, your failure to reinvestigate thoroughly, correct inaccurate information, and provide clear notice of the outcome violates my rights as a consumer. 
I demand the following : 1. Immediate correction or deletion of the inaccurate information, particularly the late payment reporting discrepancies.

2. Written confirmation of these corrections and updates provided to all three credit bureaus.

3. Assurance that my credit file reflects maximum possible accuracy going forward. 
Please consider this letter a formal request for compliance. If I do not receive a satisfactory response within 30 days, I will explore all legal remedies available to me, including filing complaints with the CFPB and potentially initiating legal action. 
I trust that you will take this matter seriously and fulfill your legal responsibilities. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I got my credit report, and there was a lot of personal, inaccurate information. My name is XXXX XXXX XXXX, and my address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Delete everything else.

I am an informed consumer and I know my rights Pursuant to the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ), I am a federally protected consumer, and I have a right to privacy.
Product: Credit reporting or other personal consumer reports

Citi bank and Best Buy credit services failed to meet minimum requirements by law to report account to credit bureaus. They report the account as delinquent damaging customers credit to try to force payments on credit cards for broken product sold and delivered by Best Buy. Citi bank is also the collection agency. They make it impossible to dispute and use incorrect paperwork as reasoning. Citi bank lied and said the dispute was closed in XX/XX/2023 when online account stated reinvestigation was in process.The dispute resolution was only to contact vendor and I have on multiple occasions to be told over the phone that it would be resolved correctly and refunded.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Non-receipt of Debt Information : I did not receive any notification from [ Creditor/Debt Collector 's Name ] regarding this debt. According to the Fair Debt Collection Practices Act ( FDCPA ), I should have been provided with written notice detailing the amount of the debt, the name of the creditor, and my rights to dispute the debt within five days of their initial communication. This notice was never provided to me. 

Lack of Knowledge of Dispute Rights : I was unaware of my right to dispute this debt. As per the FDCPA, I should have been informed that I have the right to dispute the validity of the debt within 30 days from receiving the initial notice. Since I did not receive such a notice, I was not aware of my rights to dispute. 

Absence of Dispute Rights Notification : The creditor/debt collector failed to provide me with a notice of my dispute rights. This omission is a violation of the FDCPA, which mandates that consumers must be informed of their right to request validation of the debt and dispute it if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX  XXXX {$470.00} XXXX   XXXX {$20000.00} XXXX  XXXX {$13000.00} XXXX XXXX {$2500.00} XXXX   XXXX {$25000.00} XXXX {$68.00} XXXX   XXXX {$2000.00} DEPTEDXXXX   XXXX {$8900.00} XXXX {$700.00} DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX {$3000.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX {$6000.00}
Product: Debt collection

I have not done business with JH portfolio. I do not have a signed contract not any contract with JH portfolio.I have the right to demand to see a signed contact between  JH portfolio an d myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I have two problems with Ocwen, my mortgage company. First I asked them to remove my FHA mortgage insurance and they denied it because " The LTV is greater than 78 % of the original value. When I purchased my home the value was XXXX and i currently owe XXXX. Which is less than 78 %. When I called, they stated what they meant was 78 % of the original loan amount. There wording says one thing and they mean another.. very misleading and wrong. 

Second issue my XXXX escrow analysis. Ocwen is doing very shady mathematical practices on my escrow analysis which is causing my monthly payment to go up dramatically. I received a letter stating my expected escrow balance is {$55.00}, making my expected balance deficiency {$0.00}. Total escrow shortage {$0.00}, cushion of {$480.00}, and and additional {$1700.00} is needed for the escrow balance. XXXX divided into XXXX payments of {$48.00}. My mortgage has gone up {$82.00}. They ca n't give me a clear answer of what is going on with my loan. My taxes stayed the same and my insurance went up less than {$20.00}. I was told my a representative that is an issue from XXXX when my loan was purchased from GMAC. My XXXX escrow analysis had a shortage of {$480.00} which was only the cushion.
Product: Credit card

I have made a purchase of an XXXX XXXX from Apple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 and I had applied for Apple Credit Card to take advantage of 3 % Daily Cash on Apple products, I did not like the phone so I had returned it 3 weeks after the purchase date exactly on XX/XX/2021. Here the problem happened when Apple refunded me they made a mistake on the statement bill of XX/XX/2021, they forgot to add a minus sign - to 3 % Daily Cash balance refund and they considered that balance as credit balance I owe them which is not true and they forced me to pay that balance to get rid from it. 
The price of the phone was {$83000.00} The 3 % of Daily Cash was {$2400.00} The wrong credit balance was {$2400.00} Because of that wrong statement bill my credit report got hearted because I travel a lot and I didnt expect that I have any money to pay them after I returned the phone to Apple Store but it wasnt the case and they sent to the credit bureaus that I missed the due date payment for 3 cycles which is not fair.
Product: Vehicle loan or lease

I WAS GIVEN A NEW CAR LOAN BASED ON AN INTERNAL CREDIT SCORE USED BY THE COMPANY SANTANDER. NO INCOME WAS VERIFIED N. I ONLY FILLED OUT AN APPLICATION AND PUT DOWN XXXX DOLLARS. T I AM SELF EMPLOYED. IDINT PROVIDE BANK STATEMENTS OR TAXRETURNS NOTHING I WAS EVEN ABLE TO WALK OFF THE LOT WITHOUT PROVIDING MY SOCIAL SECURITY CARD. WHICH I WAS TOLD TO FAX IN THE NEXT DAY. I WAS NOT AWARE OF THEM USING THEIR OWN INTERNAL SCREDIT SCORE.WITHING THE FIRST 45 DAYS I STRUGLED TO MAKE PAYMENTS 2 YEARS LATER AFTER BEING IN DEFAULT MY VEHICAL WAS REPOSSED. THERE IS A MULTI STATE LITIGATION AND SETTLEMENT IN WHICH I FELL INTO THE GUIDELINE OF THE THE SETTLEMENT WHICH MEANS I SHOULD HAVE BEEN ABLE TO KEEP MY CAR AND SENT THE TITLE OR HAVE THE LOAN FORGIVEN AFTER REPOSSESION. NEITHER WAS GIVEN. I HAVE CONTACTED SANTANDAR CONSUMER REGARDDING THESE LIES. THE EVEN FALSIFIED PAYENTS IN MY PAYMENT HISTORY THAT MAKES IT LOOK LIKE I MADE PAYMENTS AFTER I MADE THE LAST PAYMENT. THIS LOAN FALLS WITHING THE TIMEFRAME OF THE SETTLEMENT I ALSO HAVE BANK STATEMENT THAT SHOWS MY PAYMENT HISTORY TO SANTANDER AND HOW IT DOESNT MATCH THE RECORDS OF THE TRANSACTION HISTORY THEY FALSIFIED ALSO INMY ACCOUNT
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, which has reported negative information on my credit report regarding a Perkins Loan from XXXX college which was paid by the US Dept. of Education on XXXX of 2015. 

Heartland misrepresented themselves as being the Dept. of Education on the credit report, which is fraud. 

I informed XXXX XXXX that this was a fraudulent debt, however, the agency still continues to collection activity.
Product: Mortgage

Good morning, I have been working with XXXX / Carrington mortgage services since the end of XX/XX/XXXX, I was suppose to close on XX/XX/XXXX but due to XXXX lack of communication and confusion me and my wife are unable to close. They had me fly to Georgia to complete closing. They said my granddaughter could be my POA and then letter change it at the last minute. My loan officer has not been following up with me to explain this process, I have been having my Grandaughter asssit me but they have a issue with her helping and not explaining everything correctly which delayed closing and now the seller is canceling the contract and I will loose my money. Please assist
Product: Money transfer, virtual currency, or money service

Cash app has been taking my money for years and I found multiple complaints and each and every time their response was we cant give you the money back
Product: Mortgage

My father passed away XX/XX/year> and left house to us through a quitclaims deed which is filed through the local title company where we live and where the house is. This mortgage is through PHH and we have contacted them several times regarding assignments with this mortgage. We have filled out the needed paperwork for the forbearance and have sent the needed documentation that they requested as well. We have heard nothing regarding this case and when my sister or myself call for an update we are transferred to many different people whom all claim there is nothing on file regarding this. Different answers from each person. I know the information was received because I emailed everything and have the receipt email that it was received. We now are receiving letters from the company telling us the property is going to be foreclosed due to no payment. We have stated what we can pay monthly in the paperwork that they sent out and nothing has been replied too, only letters that stated the mortgage is in default due to no payment. We currently have it for sale and have excepted and offer and will be closing soon. The mortgage company will receive the amount in full that is owed and will be sent directly to them from our local title company when the closing takes place. When I requested a payoff letter they responded with the payoff letter but has not assisted in the response regarding the forbearance documents that was completed over 30 days ago. I have also requested information regarding a death clause that my father stated was on the mortgage as well but they claim nothing is listed on the mortgage regarding this, but can't provide me with the account information for me to go over. But they do state my full name is listed on the account right along with my sisters. I am requesting communication regarding these concerns and a response to the offer that we excepted involving the payoff of the mortgage in full and the needed paperwork to go over to see if any information is listed pertaining to the death of my father 's mortgage.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And 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. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are not complete and accurate. Open date is not reporting correctly, date last active, date of last payment is not correct, these accounts are not accurate
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- - UNAUTHORIZED INQUIRY 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of. Here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Please remove these fraudulent inquiries from my credit report. I also attached my IdentityTheft report as well.
Product: Vehicle loan or lease

When we purchased our vehicle, the payment date was set up for the XXXX of the month, we had requested the payment be changed to the end of each month, which was done with the first payment being due the end of XX/XX/XXXX. 

In XX/XX/XXXX Hyundai Finance changed our due date to the XXXX and charged a late fee for the payment not being received by their new due date. I called Hyundai Finance to inquire why they had changed the due date, they alleged that I had requested for the date to be changed. I did not and would not, neither my husband nor I would have ever done this. They refused to change the date back to the agreed payment date. 

A couple of weeks ago I again called Hyundai Finance to have my due date corrected and changed back to the end of the month. I explained that I had XXXX on XXXX/XXXX/XXXX and that I would not be receiving my Social Security pay until the XXXX Wednesday of the month. I was again told that I had already changed it once and it could not be changed again. The agent helping me found a note where I had called in XXXX asking why they had changed my due date. 

As you can see per the attached, they did not change the date back to the end of the month. I have accrued two late fees for different amounts due to them not correcting the due date back to the end of the month. 

I remember at the time ( XXXX ), there was a obvious glitch in Hyundai Finance 's system that the agent I had talked with at the time acknowledged, but could/would not correct the issue.
Product: Credit reporting or other personal consumer reports

Ive had my phone stolen a few times. Lost my phone a few times but for some reason robbers were able to get into my account and Zelle a whole bunch of money as they could a few years back and I need this solved this is nonsense
Product: Checking or savings account

I received a XXXX XXXX card with my name on it from Cash App, issued by XXXXXXXX XXXX I have never had an account with or applied anything from them. I have checked my credit reports with all 3 credit bureaus and XXXX with no inquires at all. I have tried to contact Cash App but they needed my information to proceed which I was extremely not comfortable with and then I tried to contact Visa directly, they redirected me to XXXXXXXX XXXX  the card issuer and XXXXXXXX XXXX told me that they will inform Cash App to close my account. However, there is no way to know where they had my information and my consent to open an account with them.
Product: Debt collection

Professional Bureau of Collection in XXXX XXXX XXXX XXXX XXXX XXXX has taken an old debt from XXXX that shows closed and paid on my credit report and opened a new debt through their company for {$6200.00} as a collection on my credit. I have worked hard to repair my credit and this dropped it significantly. How is this even legal to open a new debt on my ss # with their company. Please help me to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a charge-off of {$13000.00} on the XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and any remaining balance that was due I paid in full. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be either removed and/or updated to reflect accurate information on my credit report. I have contacted the ( 3 ) bureaus to remove and/or update these items however, I have not been successful.