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

My account wit these following companies were never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 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.

These companies 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

On XXXX XXXX XXXX XXXX companies ran my credit and obtained my social without my knowledge or permission. I would like this to be removed from all three major credit bureas and would like for someone to be held accountable for my private information floating around without my knowledge. 


List of companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a bankruptcy was filed and subsequently discharged. On XX/XX/XXXX, I sent a formal dispute letter to XXXX regarding incorrect reporting of this bankruptcy. As of XX/XX/XXXX ( XXXX days later ), XXXX has failed to respond or investigate as required by FCRA XXXX 

Key violations : 1. No response within mandatory 30-day investigation period 2. Continued reporting of disputed information without verification 3. Failure to conduct reasonable investigation 4. Violation of FCRA sections 15 USC 1681i and 1681c-2 Supporting facts : - Court letter confirms they do not report to credit bureaus - Dispute sent via certified mail on XX/XX/XXXX - No investigation results received - No correction made to report - No communication received from XXXX, Transuion and XXXX - Credit report still shows incorrect information This ongoing failure to investigate and correct has negatively impacted my credit profile and violates multiple FCRA requirements for proper dispute handling and investigation procedures.
Product: Credit reporting

Inaccurate info such as home loansinaccurate loan and information on credit report
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XX/XX/ XXXX
Product: Payday loan, title loan, or personal loan

In XXXX I filed a chapter XXXX bankruptcy. I applied for a loan with Upgrade XXXX  include XXXX XXXX. I was initially given a line of credit in XX/XX/XXXX of {$5000.00}. I was given another card in XX/XX/XXXX of {$2000.00} which was reduce to {$1600.00} plus. Due to the pandemic and having to help family members who lost their jobs and were evicted. I have not been able to pay the cards as I did before. I would pay at least {$1000.00} or more on my accounts but never the minimum amount. 

I am a service-connected disable veteran, and all my income is for XXXX from both XXXX and XXXX Department of XXXX XXXX Now that I paid less than what I was paying, both credit lines were reduced. However, when I did pay {$670.00} on XXXX account Upgrade took the money and then locked my account. Then a third loan was created for the amount of the decrease credit line which is charging {$440.00} at an interest rate of 29.49 % and a finance charge of {$140.00} making that loan total {$590.00} and setting up payments of {$24.00} for XXXX payment each month. Which means in addition to the XXXX cards I already have. 

The account with the {$5000.00} was reduced to {$4700.00} and now I wanting to know if Upgrade will set up another account and not tell me like above. 

During a pandemic when people have lost jobs and homes and lives this company is trying to capitalize off people who are having difficult trying to pay the bills. 

Because Upgrade allowed the payment of {$670.00} to be applied to the loan and then blocked the account and I set here with {$10.00} to my name because I had to help my daughter and XXXX children from being XXXX. Because I have many medical conditions the children could not stay. So I got and apartment for them and had to pay money to help. 

How are they going to use the bankruptcy against me when both lines of credit were issued after the bankruptcy and the credit agencies are assisting financial entities to reduce credit limits and then Upgrade create additional loans. 

Looking over the account it looks like this has been done several times and I am just learning about it. I can not believe this is being done to this account now.
Product: Debt collection

The original debt is from XXXX. As part of a sales promotion, XXXX offered a {$250.00} gift card for purchases of their products. After establishing service, I never received the gift card. I made several phone calls to XXXX and always got the same response, " We see here that the issue is being investigated ''. The gift card was never received. After cancelling my service I was billed {$300.00} from XXXX. I did not pay the bill because I had not received the {$250.00} gift card. A few months later, I received a collection notice from Diversified Consultants , Inc . I immediately contacted Diversified Consultants and told them that the debt was not completely valid and would be disputed with XXXX. At the same time, I filed an official dispute, in writing, with XXXX. A few weeks later, I received a Voice Mail Message from someone at XXXX instructing me to call them back to discuss the matter referencing case # XXXX. I called them 2 times and left a message on their automated system and never got a call back or received any correspondence of any type regarding my claim. A few months later, I received another collection notice from Diversified Consultants , Inc. for the same claim. This, after I had already disputed the validity of this claim and never received any kind of response from either XXXX or Diversified Consultants. Shortly after, Diversified Consultants filed negative credit information on my credit file, again, after not responding to my dispute. On XXXX, I sent a certified letter to Diversified Consultants with all information outlining all details and offering a resolution to my dispute. My certified letter continues to be un-answered. Diversified Consultants has abused their power by erroneously filing negative credit information on my credit file.
Product: Debt collection

I had a debt that was being collected from XXXX XXXX XXXX I think last year. And it went on my credit report negatively for {$100.00}. This was not my debt. It was disputed and removed from all credit reports. A year later a company called Diversified Consultants , Inc from XXXX, Florida is trying to collect the debt apparently and it went on my credit report again. I have once AGAIN disputed it through the credit reporting agencies and wrote a letter to Diversified Consultants upon finding it on my credit report. I was never notified by them that they were trying to collect a debt or I would have submitted the investigation paperwork from the last incident. Which, to reiterate was removed due to lack of evidence this was my debt!! Now it seems the debt is being resold and collected again??? I have not heard from Diversified Consultants to date. I want them to remove the negative account from my credit reports and stop collecting against me immediately.
Product: Mortgage

On XX/XX/2023 I had logged into my Mr. Cooper account to make sure that my payment had posted and to check the payoff balance as I am in the process of selling my home. I logged back in later that day to print out the payoff notice and I see that my account balance was double what it should be. I looked at the payment activity and for some reason Mr. Cooper had reversed out the payment that had just posted. I called customer service and they didn't know why that had happened and said that they would fix it. The payment was reposted back to my account on XX/XX/2023. Then at the end of XXXX they reported my account 30 days past due because it took them 4 days to post the payment back to my account that they had removed in the first place. I have tried to have them correct this issue and they keep telling me it's in process but now my current home is under contract to sell and since they are taking so long to correct the error, I am being denied a new mortgage due to the drop in my credit score as well as it showing a recent late payment.
Product: Credit reporting or other personal consumer reports

This is a complaint against Experian, XXXX, XXXX and XXXX XXXX XXXX, a collection agency that has wrongfully placed a fraudulent account on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. 
On XX/XX/year>, at approximately XXXXXXXX XXXX I spoke with a supervisor at XXXX XXXX XXXX named XXXX XXXX. During this recorded call, XXXX XXXX confirmed that the account in question was under a different name than mine. She assured me that the fraudulent account would be removed from my credit report and even provided a letter saying this and I have attached it. However, this process has caused me significant financial hardship and undue stress, and I can not afford to wait 30 days for a correction that should have never been necessary in the first place. 
Under the FCRA, 15 U.S.C. 1681e ( b ), credit reporting agencies and their furnishers are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The continued presence of this fraudulent account on my credit report is a direct violation of this provision. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher is prohibited from reporting information that it knows or has reasonable cause to believe is inaccurate. 
Given that it did not take 30 days for Experian, XXXX, XXXX and XXXX XXXX XXXX to report this fraudulent account and damage my credit reputation, it is only fair that the account be removed immediately, without further delay. The FCRA also provides that a consumer has the right to dispute incomplete or inaccurate information in their credit report, and the furnisher has an obligation to investigate and resolve the dispute promptly. 
I am requesting that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX for their failure to adhere to the FCRA 's requirements. Furthermore, I request that XXXX XXXX XXXX be directed to immediately remove the fraudulent account from my credit report and to confirm the removal in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that does not belong to me at all I have not opened used or know what this account is I need this off my credit report ASAP!!! 


XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/2018 2018
Product: Student loan

Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations To Whom it May Concern : I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information.

Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Debt collection

Enhanced Recovery is reporting a collection account to the major credit reporting agencies regarding XXXX XXXX XXXX cable, claiming I owe XXXX XXXX XXXX {$89.00}. I do not owe this. 

I had a 2-year contract with XXXX XXXX XXXX. I paid for the entire 2 years. At the end of the 2-year contract, I declined to renew. I did not have any outstanding balance. A few months after this, I did receive a bill from XXXX XXXX XXXX for approximately {$89.00}. I called XXXX XXXX XXXX and was told the amount would be credited back. Yet, more than a year later, E.R.C. is attempting to collect this amount on their behalf, and reporting to several credit bureaus that I have an unpaid account with them.
Product: Debt collection

Diversified Consultants also known as XXXX has placed a collection on all three of my credit reports. They first sent me to a collection agency for the amount of {$240.00}. I responded with a letter and a copy of my receipt proving termination of services on XX/XX/XXXX. They continued to sell this so called debt to numerous collection agency 's and I  continued to mail my letter and receipt. After two years it is now on my credit reports. I mailed my receipt and letter to credit bureaus they did nothing. XXXX continued to bill me for cable services after I personally returned equipment and terminated services and have a RECEIPT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this late off my credit report for months. I have sent in 5 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Product: Credit card

I completed an application with Ava Finance and got approved on XXXX, XXXX XXXX XXXX 

I received an email stating my approval along with my {$1000.00} credit limit. 

When trying to use the card, my transaction was blocked. 

I contacted customer support. 

They requested my ID and a photo of me holding the ID.

After completing the requested documents, AVA Finance informed me that they will no longer be able to offer services to me.

I'm very disturbed by the practices of " Ava Finance '' as my credit file was already approved on Saturday, but services were rescinded after I provided my Drivers License & a photo of myself holding it.

According to the Equal Opportunity Credit Act, it is unlawful for any creditor to discriminate against consumers based on protected characteristics in any aspect of a transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX RAN MY CREDIT WITHOUT MY PERMISSION I SPOKE WITH THEM PASS 30 DAYS AND THEY ADVISED ME IT WILL BE REMOVED IT'S NOW STILL ON MY CREDIT REPORT. 

XXXX XXXX BANK IS REPORTING ON MY CREDIT REPORT SEVERAL TIMES WHICH I SPOKE TO THEM AND SENT IN A DISPUTE LETTER AND IT'S STILL REPORTING ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX 3 times told them my account showing balance although paid in full. Told them every point counted on my credit because my business badly affected by covid. Never resolved never received paid in full letter I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$430.00} Collections/Charge-off ... False and quite inaccurate ... this account was indeed settled ... yet you will not remove it ... litigation may follow ...

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I notified the credit bureaus of my identity theft problem. It has been over 90 days and they have not conducted an investigation. There is no way the fradulent account could still be reporting on my credit report. I was always under the impression that the credit bureaus have 30 days to complete their investigation. According to 611 ( a ) if they bureaus do not conduct a proper investigation within 30 days the accounts are supposed to be deleted. This is definetly my case since the credit bureaus have been ignoring my disputes. At this point all the accounts in my FTC report should be deleted. Me being a victim of the XXXX data breach does not make things any better. My information could be in the hands of lord knows who.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated a multiple disputes with EXPERIAN over the past couple months to remove unauthorized personal information, addresses and employer info that they have failed to fully validated belongs to me. It has been well over the 30 days given for EXPERIAN to respond with validated proof to delete these unknown personal information per the Fair Credit Reporting Act. I have provided all requested documents to EXPERIAN including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. Below are the reporting unauthorized/unknown personal information, addresses and employer info that should be Removed / Deleted from my EXPERIAN credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Address : XXXX XXXX XXXX, XXXX, NY XXXX
Product: Student loan

Hello, My name is XXXX XXXX and I currently have student loans with XXXX XXXX. InXX/XX/XXXX my student loan was marked as 120 days past due. During this time in my life I was struggling to pay many bills and as a young person somewhat recently out of school, I didn't understand the importance of credit and the negative effect not paying things on time can have on your credit. Since then, I have learned to budget, I am in a much better place financially and I have systems set in place now, should I ever need them, if I come across a financial hardship so that I can continue to pay my bills on time. I have learned so much from this experience and will never be negligent in regard to paying my bills on time again! I humbly ask that XXXX XXXX XXXX would forgive the negative remark on my credit report so that I may move forward in my life and begin to build a stronger credit health so that I may pursue the American dream and open my own business soon! I was also made aware that it is possible to consolidate all of my loans into one in regard to the way it reports to the bureaus so that it reports as one loan rather than numerous, which can harm my credit potentially. Thank you so much for your time!!
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I sent my XXXX payment of {$6500.00} to the wrong recipient. It was intended to go to the recipient, XXXX XXXX, but instead was sent to XXXX XXXX XXXX, a contact not used in my account for nearly XXXX years. 

On XX/XX/year>, Upon learning of the wrong recipient receiving the funds, I filed a dispute with the bank, trying to have the funds reversed. During this time, I also reached out to the recipient who received them in error, and despite her recognizing they are not hers and they were sent in error, she refuses to give them back. 

For approximately 10 days, despite reaching out to my bank for information and updates, I did not receive any information and the issue was not resolved. 

On XX/XX/year>, I received an update from the bank stating, " We found that the transaction was sent according to the recipients email/phone number and instructions you provided. No adjustment will be made to your account at this time. '' The claim number provided by my bank is XXXX. 

Subsequently on XX/XX/year>, I followed up with a phone call to the bank ( the only option provided for questions regarding the issue ) and asked to escalate and or appeal the claim. I was told I could not.
Product: Mortgage

XXXX   XXXX  has made every single monthly payment since receiving a TPP and permanent modificatio n, but Rushmore keeps improperly saying that she is a month behind. Rushmore has sent her a mortgage statement and default n otice indicating she is a payment behind when she should be current. ( Ex. A. and B ).      XXXX   XXXX  received a   XXXX   XXXX   Trial Period Plan ( TPP ) with payments of {$1500.00} beginning in  XXXX   XXXX  from her previous servicer,  XXXX   XXXX . ( Ex . C ). S  he made 3 timely  TPP payments for  XXXX ,  XXXX  and  XXXX  of  XXXX . While waiting for her permanent modification documents, she made TPP payments for  XXXX ,  XXXX , and  XXXX . After she mailed in her  XXXX  payment, she found out that the servicing of her loan was being transferred to   Rushmore. She then continued making TPP payments to Rushmore    for    XXXX ,  XXXX  and  XXXX   XXXX . After she made her  XXXX   XXXX  TPP payment, she received permanent modification documents from  Rushmore in dicating a higher monthly payment of {$1900.00}. ( Ex. D ) Following the terms of her permanent modification, she signed and returned the documents, and began making payments of {$1900.00} starting with the  XXXX   XXXX  payment. Although her  XXXX  payment was initially returned, her attorney sorted this issue out,  and Rushmore  accepted both her  XXXX  and  XXXX  payments of {$1900.00}.  XXXX   XXXX  was notified she needed to sign new permanent modification documents in  XXXX , but the payment remained the same. She signed and returned those documents in  XXXX . ( Ex . E   ).   She made her  XXXX ,  XXXX  and  XXXX  payments in the amount of {$1900.00}. Attached as Exhibit F are copies of every single check  XXXX   XXXX  has paid from  XXXX   XXXX  to  XXXX   XXXX .