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

My account with was never late! I have had exceptional payment history witH XXXX  XXXX 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 60 days 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. 

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 card

I spoke to 9 bank representatives over 2.5 hours on XX/XX/24. None of them knows how to load their credit card into XXXX wallet so I can get 5 % rewards at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want XXXX, XXXX and Trans Union to add my employer/employment information to my credit report. I want the following employer/employment added to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CO XXXX, XXXX, Position : Chief XXXX XXXX ( XXXX XXXX Salary : {$300000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Open Date XX/XX/2018 XXXX {$89.00} XXXX XXXX  XXXX Let a person open a account in my name and XXXX XXXX  XXXX sent a credit card to a PO Box this account is not my account at all, I did not no this company had existed, Sending a card to a PO Box is a red flag but no this company sent the card anyway to a PO Box that I do not own, also they told me another address when I talked to them that I never lived at both address was never my address I never lived there, and the phone number they gave me was never my phone number NOTHING MATCHES ME, this account needs to be removed asap/immediately from all 4 credit reporting agency and my credit report or me and my team will take legal actions. I have no idea who this company is. I have filed all necessary complaints.
Product: Debt collection

They called 7 times today, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. This occurs almost daily. We filed ch XXXX bankruptcy on XX/XX/XXXX and they have been told this information.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} I found several suspicious accounts on my credit report during my latest review. Please remove these fraudulent accounts, as they are affecting my ability to acquire credit. I do not know these accounts.
Product: Credit reporting or other personal consumer reports

I was a signer on 2 capital one accounts. They have been closed. Capital one is still reporting these closed accts as open and derogatory. When the owner of the accounts tried to call and have me removed, since they have been placed in collections they wont take her call only tells her to call the collection agency, and the collection agency said they have no control over it.
Product: Checking or savings account

CFPB Complain Against Merchant : XXXX In this complaint, you will find the police report number. In which I was provided the wrong one, so, if that is the incorrect one. Please let me know. I have XXXX and XXXX. 

This report is against my Financial Institute : MyWisely. I actually can not find their information to give it to you guys. 

I reported to them the transactions and the police number and they refused to assist in this case. I even provided them the information to the company Corp guest relations. So, they can correlate the funds back into my account. They denied me the return and did no investigation. This is not the only issue with the finical institute. I believe they are assisting in something, above my level of proof. Money has been approved with notice, changes to my account, and missing money. Especially when I had two employers that used the same ADP and MyWisely. I would like the company investigated. Right along with XXXX XXXX XXXXXXXX : Specific Location and Corporate Office. 

* 1 ) My Wisely Finical Institute. No Information Available. XXXX XXXX recently advised to me, they dropped their affiliation. They have denied me a return, after providing them all the information of fraud on my account. Also, have mis appropriated funds, and covering it up. I swear if you do a open investigation, you will see just from my side, that will apply to others. After this, I will not longer bank with the suggested employer companies. But, this company is not assisting how it should. I have provided several instances with this kind of scenario 's on my account and no avail. I have also faxed and emailed instances of disputes not being refunded, so, they go and do a return prior to the dispute charge date. Serious : " How would I spend fund I noticed were incorrect the month prior to the dispute. This XXXX XXXX XXXX is the last straw, being {$940.00} and they denied me a refund or further investigation. I will be changing my banking institute. 

XXXX ) Specific Location : XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, NC XXXX Phone : ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX Senior Operations Support Specialist XXXX XXXX XXXX  XXXX XXXX Fax XXXX XXXX XXXX These are all the people involved in the situation that have completed disregarded my request for footage of the person ( XXXX ) who stolen my money, information to press charges, refund, and resolution. I am not certain if this is the correct stop. The case listed above is the one, this may need to be under. I am still trying to get my funds back and just my fund can not equate. I have spent more time, money, energy,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

Hello, I need to dispute the following inquiries below from my EXPERIAN report. I have tried my best to contact these companies first but nobody could give me proof that it was me who authorized these. I tried contacting them by phone and mail. I believe these are fraudulent and not me who authorized them. I have also submitted FTC reports as this is likely identity fraud. Please assist me with getting these removed. I will also try to contact an attorney. Thank you. 

XXXX XXXX XXXX - XX/XX/year> XXXXXXXX XXXX  - XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian for failing to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ). Despite disputing inaccurate and unverified information on my credit report, Experian has not conducted the thorough investigation required by law. This failure has left erroneous accounts unresolved, resulting in a credit report that continues to reflect inaccuracies and a lower credit score. These inaccuracies have significantly impacted my ability to seek financial assistance, secure loans, or establish creditworthiness with financial institutions. Furthermore, Experians lack of diligence in addressing my dispute undermines my consumer rights under the FCRA, as it has not ensured the accuracy or verification of the information being reported. I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to hold Experian accountable for this violation, as its inaction has directly affected my financial stability and access to essential financial resources. The Consumer Financial Protection Bureau ( CFPB ) has recently filled a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Again, I am requesting immediate corrective action to remove the negative accounts that has been disputed as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am extremely concerned about the blatant discrepancies in my credit report regarding my XXXX XXXX XXXX XXXX XXXX account, and I demand immediate action to correct these errors.
Product: Student loan

In the fall of 2023 when payment where about to restarts I signed up for the SAVE plan. When I did that I did not realize that I was put into a forbearance. I contacted MOHELA in late XX/XX/ 2023 to say I did not want the forbearance and wanted to restart repayment immediately. I was told that wasn't a problem but it could take a few months for the forbearance to drop off but as long as I went online and manually made the payments they would be counted as eligible. The forbearance fell off in late XX/XX/2023 and the XXXX  2023 payment auto-debited from my account and showed as qualifying for PSLF. In XXXX or XXXX the XX/XX/2023 payment which I made switched from ineligible to eligible as it was no longer listed as being in forbearance. The XXXX payment was still listed as being in forbearance though even though I made the payment. I contacted MOHELA and was told by a representative they say the notes and it would still be taken care of but they could only change the status of XXXX payment per month and it would be resolved the following month. Currently the XX/XX/ 2023 payment is still showing as ineligible due to deferment or forbearance. I spoke with MOHELA again today and was told that even though they put the forbearance XXXX and resolved the issue for the XXXX payment they couldn't do so for the XXXX payment and the Federal Student Aid was responsible for the payment counts. I have also spoke with FSA and they say because MOHELA says they have in forebearance they can not count the payment until MOHELA says the payment period was not in forbearance. I have gotten nothing but runaround and excuses from MOHELA for months. Today I was told they could submit a form to accounting but it would be rejected. I was told I could not speak to accounting or a supervisor regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian two requests for my credit report, the first via letter on XX/XX/XXXX and the second via a form on XX/XX/XXXX. I have not received my report.
Product: Debt collection

I had an old account with XXXX which was paid off through their collections department. I am now getting calls from Southwest credit saying they are a debt collector on behalf of XXXX. I have told them repeatedly I have paid this off with XXXX to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ and prior not sure exact date in XXXX. I filed a dispute to all three credit agencies regarding incorrect information that is currently being reported on my credit report. Two of the three credit agencies corrected the information besides Equifax. I filed two disputes along with supporting documentation to Equifax and XXXX stating that the balance is XXXX and I personally closed this account myself. Equifax updated my credit report stating the information is correct. Which it is incorrect because I have paid this account off since XXXX and I closed the account in XXXX. I sent them a XXXX balance statement and also a letter from XXXX stating that this account was closed. Equifax refused to update my credit report and its hurting me to get future credit at a better rate. 
The account currently showing on my credit report is : XXXX XXXX Account # XXXX balance {$1500.00} and it still showing open. The last reporting data was since XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX XXXX, 2017, I sent this credit repository a letter requesting an investigation on incorrectly reported items on my credit report. Attached to this complaint is a copy of the letter sent to this credit repository dated XXXX XXXX, 2017. I have written several letters to each of the company showing on my credit report requesting for validation and I never received any proper validation document. How can this credit repository report or inform me that these items I disputed were verified when I never received any validation document? It is quite unfair and unlawful for them to be able to verify these items when I do n't receive validation documents on my end. I think this is definitely a violation of FCRA and FDCPA. 
Disputed items : XXXX XXXX XXXX ref #  XXXX XXXX XXXX XXXX XXXX ref # XXXX XXXX XXXX ref # XXXX XXXX XXXX ref # XXXX XXXX XXXX ref #  XXXX XXXX XXXX XXXXXXXX Ref #  XXXX XXXX XXXX XXXX Ref # XXXX XXXX XXXX XXXX Ref # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized accounts on my credit report by all three Credit Bureaus ( XXXX, TransUnion, XXXX  ) XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam writing to dispute the accuracy of the information on my credit report. I recently obtained a copy of my credit report and found that there are several inquiries that I did not authorize. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), I am requesting that these unauthorized inquiries be removed from my credit report.

The following inquiries were made without my consent and are therefore in violation of FCRA Section 604 ( b ) ( 2 ) ( C ) : 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 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 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 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 Furthermore, I would like to inform you that I never gave written consent to any of the furnishers listed above to access my credit report. This is in violation of FCRA Section 604 ( b ) ( 2 ) ( A ) ( i ), which requires furnishers to obtain written consent from the consumer before accessing their credit report. 

I believe that these inquiries were made without my permission due to identity theft
Product: Debt collection

I am writing to formally file a complaint against Jefferson Capital Systems , LLC for unfair and deceptive business practices related to the handling of my account. Despite my efforts to resolve the issue directly with them, I have been unsuccessful in obtaining a satisfactory resolution. The details of my complaint are as follows : I was contacted by Jefferson Capital regarding a debt that I do not believe I owe, or at least not in the amount they claim. I requested validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), but Jefferson Capital has failed to provide adequate documentation to support their claim. Despite this, they continue to report this debt on my credit report, which has had a negative impact on my credit score.

Additionally, I have experienced harassment through frequent phone calls and threatening letters. I have asked for all communication to be in writing, but they continue to call. This behavior is in violation of my rights under the FDCPA, and I am concerned about the improper handling of my case.
Product: Credit card or prepaid card

Re : Dispute of XXXX charge dated XX/XX/2020 on CitiCard ending in XXXX. 

I disputed a charge by XXXX on my CitiCard. The basis of my dispute was that the prepaid hosting service was never " delivered '' as promised, configuration was never completed to allow me to use the service. XXXX claims to CitiCard that they have a " no refund '' policy. I contend that they never delivered the service, so refund policy does not apply. When I filed the Dispute with CitiCard, XXXX disabled my account and said they would not continue configuring until and unless I cancelled the Dispute. 

CitiCard made claims in writing that they had not received my documentation for the Dispute when in fact they had already sent me an email acknowledgement and admitted over the phone to receiving my documents. They made promises over the phone to reply in writing to acknowledge the documentation was received and the nature of my complaint. CitiCard then deflected this Dispute to require me to provide documentation that ... the merchant agreed to credit [ my ] account.. 

CitiCard never responded in writing and have since been calling me on average six times per week to review my account online. 

I have stopped using the CitiCard and paid them in full except for the disputed amount.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act US DEPT ED XXXX XXXX XXXX XXXX XXXX  US DEPT ED XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Student loan

XX/XX/XXXX, one of Navient 's agent had me complete and file the wrong documents to apply for unemployment deferment. Instead she had me submit a forbearance and did not inform me of what can incurre on my loan during forbearance. I was just told that I will not be charged any interest while in deferment and that I will restart my payments in XXXX XXXX. My application was accepted XX/XX/XXXX and I was on what I thought to be a deferment. From XXXX XXXX to present ( XXXX XXXX ) I have been charged {$83.00} on each individual loan that I have consolidated under Navient Corporation and it has racked up to XXXX and my repayment date has changed to XXXX XXXX, XXXX but I am still receiving documents stating that I do n't have to pay until XXXX XXXX, XXXX. The agent and the supervisor I spoken to another agent and a supervisor over the phone and they could not explain to me why this was affecting my credit score, why I am being charged interest on a Federal subsidize loan and when I am actually supposed to start repayment. I was told that there was nothing they can do for the mistake that their agent has made and that I was advise to pay the Interes now so that it will stop incurring on my loans. I was also told that if I do n't pay the interest it will be capitalized on my current loan and will continue to incurre on my individual loans on top of the federal interest rate. I tried to look up all the documents that I have submitted online to Navient and was also advised that the documents can always be viewed there. But I found nothing of my submissions to be viewable, only letters sent by Navient Corporation was viewable so I ca n't fight the dispute.
Product: Debt collection

calls me four of five times daily threatened to turn my case over to XXXX County if I do n't call them back by the end of the day. A XXXX XXXX called my children with the same threats to get them to pay to keep me from going to trial. A XXXX XXXX called me three times with 1 minutes I guess to see how many calls she can make repeatedly. They claim they are calling from Pre-Trial. Then there is another caller that do not give a name that calls three or four times with a recording that advise if you are not the person press 1, that did not stoop the calls then I pressed 0 to get the operator but no one came on the line. nothing that I press stops these calls. Nothing stops these calls from these people.