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

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


( XXXX XXXX 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 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: Debt collection

On XX/XX/XXXX I was served for payment on a credit card from XXXX the petitioner was midland funding scaring me into paying options I lost my job awhile afterwards and I could not make payments they were notified I have recently received a notice from the law firm XXXX XXXX XXXX from a XXXX XXXX XXXX saying my wages will be garnished for this debt from midland funding. I was never notified prior to this saying this was going back to court and never had the opportunity to appear to defend myself against this issue. I feel I am being harassed and in stressful situation. Im single woman my income is all I have to live. This is a 14 to 15 year old debt from the days of my divorce.
Product: Checking or savings account

On XX/XX/23 I noticed that my Bank of America debit card was no longer working. I immediately called customer service and was told that my account was closed without any further explanation. 

After attempting to log into my online account I noticed that my account details were no longer valid. However I did have the phone number to the fraud department from a recent claim and contacted them directly. The fraud department indicated that I needed to contact the risk management department. 

After speaking with risk management they confirmed that my bank account was closed due being an " unauthorized account ''. This account has been open for over 20 years and never had any issues with payments/deposits/etc. 

After I explained that their claim did not make sense I was told that risk management suspected " identity theft '' and I was asked to step into a local Bank of America branch to verify my identity. 

After visiting a local branch ( along with my mother and father ) and verifying my identity the account manager attempted to contact risk management in order to submit a cease of closure request as originally instructed. 

However when the account manager called risk management they were told that we could not submit a cease of closure request and the account had been scheduled for closure. 

Bank of America purposely misled me and has now refused to send the remaining funds ( approximately {$68000.00} ) which violates local and federal banking regulations in addition to multiple consumer protection laws. 

Furthermore Bank of America has blatantly refused to dispute an unauthorized charge for {$10000.00} on XX/XX/XXXX via my debit card which is a violation of the agreement between the card issuer ( VISA ) and the backing bank. 

Per the Bank of America user agreement account holders are not responsible for transactions that are unauthorized and/or fraudulent.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

We fell behind due to illness, tried to apply for a loan modification. During the application process the mortgage company foreclosed and set a sales date adding thousands in fees. The mortgage company drug the application process out from XXXX XXXX to XXXX XXXX at which time we were told by Freedom Mortgage that the sales date was too close so they were not even going to consider our application.
Product: Debt collection

Collection agency has not provided validation that I owe them for stated debt in the amt of XXXX and XXXX. I have snet numerous letters asking for validation and have yet to get response besides print out of services done from different company. The company did not mark disputed on my credit file as well as has failed to provide documentation of debt owed to them. I have requested for a signed contract that shows I am in debt to ( United Revenue Corp ) collection agency and have n't received anything. The agency as also used threatening tactics that this will remain on my credit file until paid. I do n't owe this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been submitting disputes to Experian credit bureau since XX/XX/2023. This company has failed on multiple occasions to provide proper documentation for 3 accounts listed on my report & falsely claiming they are verified. The other 2 credit bureaus removed the unverified Items & Experian keeps claiming that Im not the one filing disputes. They are being lazy & not properly Investigating two XXXX XXXX accounts as well as XXXX  XXXX. PLEASE INVESTIGATE MY CONCERNS IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

These companies have accessed my credit report without my authorization, and this has negatively impacted both my credit and my credit score. I previously contacted Experian about this issue, and their representative assured me that these inquiries would be removed. However, they are still appearing on my credit report, which is both frustrating and concerning. The presence of these unauthorized and fraudulent inquiries has caused me significant XXXX, as I fear I may already be a victim of identity theft. This added stress, coupled with the harm to my credit score, is completely unacceptable.
Product: Checking or savings account

When checking out at XXXX on XX/XX/year> I wrote a check for {$190.00} It was denied by Telecheck. We called the help line for Telecheck. They said wait XXXX hours and resubmit your check. It was their guidelines that were not being met. No details could be provided. Still being denied. Because this happened 3 times I asked to speak to a supervisor. After a long hold I was told the supervisor would call me back. No call back. Tried another day Still no call back. I cant use my checks I dont know why. Is there fraud on my account. I dont know. Help me get an answer please
Product: Credit reporting or other personal consumer reports

The trade line from Affirm Inc was opened last year in XXXX. It quickly became a collections account but never was removed from the installment loan category. Now it remains under installment loan although the debt buyer XXXX was paid well over XXXX  days ago. Affirm continuously certifies to XXXX that a balance exists where there is none. On the phone with me personally, Affirm said the balance is XXXX. I have provided documents from the Bank, Creditor, and Debt Buyer showing the balance as XXXX and XXXX refuses to acknowledge the fraud Affirm is committing. Affirm appears to be holding my credit hostage maliciously. Please help! Thanks
Product: Credit reporting or other personal consumer reports

I have no knowledge of the inquires listed below. And the hard inquiries are a result of identity theft and must be removed no later than four business days as per U.S. Code 1681 c-2. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score decreased by XXXX points because they reported that my account balance increased by {$1.00} from {$1100.00} to {$1100.00}. I have never missed a payment and they take it out of my checking account automatically so there is no way that it could increase by {$1.00}. Even if it did ( which it didn't ) for XXXX to decrease my credit score by XXXX points is incorrect. I have worked very hard to get my credit increased and I keep a check it daily to see if any changes. I do not want this error to ruin my credit.
Product: Debt collection

I was alerted by XXXX XXXX app that a collection had been added to my credit report and the main credit reporting agencies. The collection is from Midwest Recovery Systems, regarding a debt of {$230.00} to XXXX XXXX XXXX XXXX?! This is not my debt! I do not know the company XXXX XXXX XXXX XXXX, nor have I used any check advance company, nor have I even had checks in many many years. Upon doing a quick XXXX search, it appears this is a fraudulent and illegal tactic used by Midwest Recovery System frequently. As I was in the process of applying for a home loan when this fake debt appeared on my credit report, I am considering filing a law suit against Midwest for such fraudulent behavior and the damage it has caused me. Midwest Recovery Systems needs to remove this fraudulent debt from my credit report immediately. I am also reporting to the XXXX and filing disputes with the 3 main credit agencies. My next step will be to hire an attorney to go after MRS for such fraudulent and criminal behavior. Please stop this criminal company from further damaging people 's lives.
Product: Credit reporting or other personal consumer reports

I am filing yet another formal complaint against XXXX XXXX XXXX and Equifax for repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o for negligent non-compliance.

This is the third time I have had to escalate a complaint regarding XXXX XXXX deceptive and non-compliant practices. Despite my previous two complaints filed with the CFPB, XXXX XXXX has continued to violate consumer protection laws by failing to provide proper verification of the alleged debt they are reporting on my credit file. 

Ongoing Violations : Failure to provide verification : XXXX XXXX has repeatedly failed to produce any legally sufficient documentation proving the debt is mine, yet it remains on my credit report. 
XXXX failure to properly investigate : Equifax has negligently verified an unverified debt and continues to allow XXXX to report inaccurate information in violation of 15 U.S.C. 1681i ( a ). 
Pattern of deceptive and non-compliant practices : XXXX XXXX has a well-documented history of shady collection tactics, and my previous CFPB complaints have not resulted in them providing any proof of this debt. 
My Requests & Demands : Immediate removal of the XXXX XXXX account from my credit report due to their failure to provide proper verification. 
Investigation into XXXX failure to conduct a proper reinvestigation, including potential penalties for their negligent reporting. 
A written confirmation from Equifax that the disputed account has been deleted from my file. 
An investigation into XXXX XXXX  continued non-compliance, given that this is the third complaint regarding the same issue. 
If this matter is not resolved, I will seek legal action against both XXXX XXXX  and Equifax under 15 U.S.C. 1681o for civil liability due to negligent non-compliance. Their repeated violations have caused direct harm to my financial standing, and I will not hesitate to escalate this to the appropriate legal channels. 

I expect a prompt and thorough investigation, as consumers should not have to file multiple complaints just to have their legal rights upheld.
Product: Debt collection

My credit report shows the following depts from first fed credit control : XX/XX/2017 {$1100.00} XX/XX/2017 {$800.00} XX/XX/2017 {$420.00} XX/XX/2017 {$1100.00} These debts do not belong to me.
Product: Mortgage

In 2009, I obtained a " Flexequity '' credity line account from Union Bank in the amount of {$160000.00} secured by my residence in present residence in XXXX XXXX, California. The account consists of Draw Period and Repayment Period. Draw period is 120 months and the Repayment Period is 240 months. The variable interest for rate was 1.5 % plus XXXX XXXX index. At that time was 4.75 %. Late last year the account went into the Repayment period. Union Bank adjusted my monthly payment over {$1300.00} for a app. 10 % interest rate .I made many objections and asking to talk to a officer. they have ignored me for months.. Finally the supervisor of their department referred me to talk to a loan officer in XXXX. I made numerous calls and let messages. I also refer the situation to the supervisor who referred me. I was ignored for months again. Then I received the " Notice of Intent to Accelerate '' from last month. 
The secured Property is currently worth over {$600000.00}. When I obtained the Line,  Union was in second position. I paid off the first mortgage last year. They are in first position now. They are in more secured position then before. 











flexequity
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiry I received a copy of my credit report today and discovered a hard inquiry from your company. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. If a signed authorization can not be found, please remove the inquiry from the three main credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, has charged me an annual fee ( which is not an issue ), the issue is that they did not notify me of the annual fee in no manner. I double checked my email, app notifcations, and my paper mail and XXXX has not till date sent me any notifications. Because of this now I have a late payment being reported to the credit bureaus. This annual fee should not be reported as late because I was not notified of the annual fee.
Product: Debt collection

I seen a collections on my credit that is not mine. I didnt open this account. Someone else opened it in my name. If I have to I will get an attorney to get this account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company should not be allowed to continue to conduct business. I'm guessing that the company quickly was acquired by another company is the reason for such a delayed response to my request to have the account closed and removed from my report as I did not open the account. You can barely get ahold of the team who is supposedly the one to handle fraud investigations. This is by far the worst experience received by a company that claims to assist individuals with some sort of credit building. I have 3 emails spanning over two weeks where the company has not responded and provided some sort of update. I think I am at least owed the respect of being included in any sort of updates to my case. Completely disappointed in XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The amsher acct was deleted from my report the end of XXXX for being Inaccurate, but has since been added back to my credit report in XX/XX/XXXX which is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I pruchased a product from XXXX XXXX XXXX ( appliance ). It was a defective product which they refused to correct so I sued them in Small claims court and won judgement in XXXX. Part of the courts ruling was that I was not liable or responsible for the remainder of balance. Although the terms of contract became null and void, XXXX 's showed it as a charge off on my credit. This was back in XXXX and Experian keeps showing negative on my credit report even though I have disputed this negative report. Because of this XXXX XXXX has lowered my credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX with the ACCOUNT # s XXXX & XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) 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. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX # s XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Bank of America closed my account due to a 3rd party check I deposited. The person who check it was has sued their job and won, got their money and going on with their life. But for some reason Bank of America reported to XXXX  XXXX  that I committed fraud and had an outstanding balance, then said it was a XXXX balance and now its saying paid in full. When they closed my account they had to give me almost {$400.00} my balance, yet they reporting I paid them, when I didn't owe them anything. They are also reporting an address I never had on file but for some reason they won't remove this
Product: Debt collection

I received a letter of communication regarding an alleged debt that was assumed I owed to XXXX XXXX. Resurgent Capital Services , L.P, also known as LVNV Funding LLC purchased a debt that was a part of a data breach lawsuit with XXXX XXXXXXXX. Resurgent Capital Services , L.P, also known as LVNV Funding LLC, has ignored many request of verification, also have not providing my detail documentation to collect in the state of Texas. Also, the statute of limitations on debt in Texas is four years. When section 392.007 of the Texas Finance Code law was put into law in 2019, the states ensured any payments on the debt or activity on my credit report does not restart the clock on the statute of limitations. Resurgent Capital Services , L.P, also known as LVNV Funding LLC keep adding this information to my credit file. Texas statute of limitations is 4 years. Also, section 15 U.S. Code 1681i ( a ) - procedure in case of disputed accuracy. Resurgent Capital Services , L.P, also known as LVNV Funding LLC refused to comply, and continued to report monthly on my credit files as LVNV Funding. Also, LVNV Funding LLC as a third party debt collector, also sent the file to XXXX XXXX XXXX to collect. I never inquired with Resurgent Capital Services, L.P, also known as LVNV Funding LLC.
Product: Checking or savings account

b'I responded to a text on my phone ostensibly from XXXX XXXX a respected organization back on XXXX XXXX.  I did not think to check the URL. It turned out to be a fraudulent loan person. I am a senior and was under the assumption that this was a legit lender and also did research. I was caught in a fraudulent situation where this scammer deposited checks through the capture feature and used my signature to process through my account. BMO bank then caught this and put my account under investigation.  They said it would take 30 days to investigate and only allowed deposits from this account. The bank allowed me to open up a new account and yesterday while using my debit card I could not purchase items which I then had to contact the bank to find out that they had put a freeze on my new account, without advising me of such.  So I went onto the branch yesterday in XXXX  CA and was informed by XXXX  after she was in the phone with the fraud dept that I could not take out my money from my new account and that they were closing my account and would send me a check. Again I am a mother and grandmother and I had no other form of financial means. This is illegal under these circumstances. My new account should not have had any affect on the other account under investigation. Also during this process the only information the bank sent me were the fraud checks and no status of what was going on. I called the branch mgr today XXXX and was told that she was not able to do anything because the fraud dept of the bank held all the power to release my funds.  The phone number to BMO branch in XXXX, CA is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. I have XXXX  in my new account that I need immediately.'
Product: Checking or savings account

I was charged XXXX in XX/XX/year>2024 by XXXX XXXX for a gym membership. I paid a years membership in advance to receive 10 % off. My son did attend XXXX for a few months but then out of nowhere XXXX then closed down without notice or warning and now i am unable to attend. I disputed the charge with USAA and they investigated it but advised me there is nothing they can do due to being outside a 3 month window and for me to contact XXXX. I have tried reaching out to someone but the phone number is off, building is closed and no one responds to my emails. I just want my XXXX returned and feel USAA should approve the dispute since the company is no longer in business. I had no idea the business was shutting down so there was no way of me disputing within that time frame.
Product: Credit reporting or other personal consumer reports

I am filing an FTC report because my FCRA laws were broken/violated when my information was sold/exposed in a recent data breach. Please remove any information on my credit report within 30 days!