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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 


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

On XX/XX/XXXX I requested copies of my credit report and at that time I noticed unauthorized inquiries as well as incorrect personal data contained within my credit reports. Then on XX/XX/XXXX I submitted a request to all three credit agencies ( Equifax, XXXX and XXXX ) to delete this inaccurate information from my credit reports. Thirty days later after receiving an updated credit report the information still has not been removed. So on XX/XX/XXXX I submitted my second request to have this information corrected and deleted. As of today it has in excess of 45 days with no resolution. I am reaching out for your assistance in expediting this matter. Here are inquiries in question that need to be removed : These are reporting on Equifax : XXXX XXXX XX/XX/XXXX I did not authorize please delete. Equifax XXXX XXXX  XX/XX/XXXX I did not authorize please delete. Equifax XXXX XXXX  XX/XX/XXXX I did not authorize please delete.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information on my credit report with XXXX, Equifax, and XXXX multiple times, yet the errors remain unresolved. Despite my efforts to have the information corrected, the credit bureaus have failed to take the necessary actions.

The following violations apply to this matter : 15 USC 1681i ( a ) ( 1 ) : This challenges the 30-day response time for investigating disputes, which was not adhered to in my case.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : This challenges the investigation protocol, as no adequate results or findings were provided to support the disputed information 's accuracy.

15 USC 1681i ( a ) ( 5 ) ( B ) : This challenges reinsertions protocols, as the disputed information has remained on my report without proper notification or validation, contrary to FCRA requirements.

I request that the CFPB investigate these violations and ensure that the credit bureaus comply with the Fair Credit Reporting Act by correcting the inaccuracies and adhering to proper dispute resolution procedures.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXXXXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$7000.00} XXXXXXXX XXXX XXXX Balance : {$36000.00}
Product: Payday loan, title loan, personal loan, or advance loan

XXXX charged me {$920.00} was to be shipped to get to me on Wednesday XX/XX/2023 but on Wednesday I called to tell them that it still aint shipped and if it isnt then cancel it they said yes they will. XX/XX/2023 at XXXX pm They just shipped it and it was delayed and not received so for a item then after not reviewing it with XXXX they couldnt find it and was lost so they said contact XXXX which I did multiple times to help the wont and told me to stop calling them even hang up on me. So I went to affirm to dispute it and they opened it I have so much proof from XXXX and XXXX but still giving issues with closing the loan even after the proof that didnt get it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several unknown inquiries with Transunion and XXXX on several occasions as they have not complied with my requests. I've also contacted their fraud department and made a complaint with negative results. I further believe my identity may have been compromised as I do not recognize these companies. I want these inquiries deleted immediately. Lastly Transunion and XXXX failed to forward me the results of their investigation as required by the FCRA. I am extremely disappointed in their failure to comply with the law. There are several inquiries that I do not recognize. Please see the following unauthorized inquiries : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Just switched to capital one & did not receive my check deposited into my account & have not been given a reason why.
Product: Payday loan, title loan, or personal loan

I am writing to express my dissatisfaction with XXXX XXXX XXXX XXXX handling of my car loan. I had a car loan with your institution, and unfortunately, the car was sold, leaving a remaining balance of {$2200.00} and a repossession on my credit. 

I had an extra gap insurance policy with XXXX XXXX XXXX XXXX to cover any extra expenses in case of car damages or repossessions up to no more than 150 % loan remaining balance. However, despite having this insurance policy, I was still left with a significant balance and repossession on my credit. 

Furthermore, I have discovered that changes were made to my account without my authorization. I have reason to believe that these changes were made through a document that was illegally obtained while I was incarcerated. This document does not have my signature or annulment with XXXX XXXX XXXX XXXX, yet the changes were still allowed to go through. 

I have disputed this matter in a couple different ways. The situation has caused significant damage to my business funding, my living situation, my future moving situation and the funding of my daily living expenses and use of my credit line. It has been a major setback for me, and I am extremely disappointed with the way that XXXX XXXX XXXX XXXX has handled this matter. 

I have attached the relevant documents to this letter to support my claim. I believe that XXXX XXXX XXXX XXXX should have taken more care to ensure that changes to my account were made with my authorization. 

I will like to request XXXX XXXX XXXX XXXX review my case and refund the remaining balance on my credit as well as take the repossession off my credit. I also request that you investigate and unauthorized changes made to my account and take appropriate actions to prevent this from happening to other customers. 

I trust that you will take the necessary steps to resolve this matter in a timely and satisfactory Manner. 

Thank you for your attention to this matter. 

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

TransUnion has not been complaint with FCRA GUIDELINES. There has been multiple fcra violations across 4 accounts XXXX, XXXX, XXXX and XXXX ; ranging from account transferred with balance reporting, charged-off account reporting late payments and high credits, incomplete payment history, date of last payment contradicts the payment history. Ive disputed these discrepancies with TransUnion only for it to comeback updated and verified with obvious inaccurate information which violates 15 U.S.C 1681
Product: Debt collection

XXXX XXXX a consumer and notifying you that I dispute this alleged pursuant to 15 1692g.I request that you provide verification of this alleged debt.verification consist of a formal declaration where you swear to the truths of the statement of the fact of the matter have firsthand knowledge and must notarized.Since this debt is disputed pursuant to the fair debt collect practice act.You are required to cease all collection of this allege that which includes reporting to my consumer report with XXXX, XXXX, and XXXX I hear by inform you that you do not have any consent to communicate with me through any medium.Furthermore I do not consent to you having my personal and private information.This constitution aggravated identify the also I do not consent to reporting information in my name to the consumer reporting agency.
Product: Vehicle loan or lease

During the end of XX/XX/2022, a car salesman and the XXXX used high pressure sales tactics to persuade me to trade-in my XXXX XXXX ( containing the high demand " chip '' ) for a used XXXX XXXX that had a morally hazardous Wells Fargo loan attached to it. 

A few weeks into XX/XX/2022, I endured financial hardship. I communicated with Wells Fargo several times to inform them on the situation. The first finance payment wasn't due till XX/XX/2022. 

Communicating with Wells Fargo from XXXX to XX/XX/2022, I paid what I could to keep the loan in good standing and informed them on all updates. 

During a weekday in the XXXX week of XX/XX/2022, I wake up at XXXX to the sound of the XXXX alarm ringing. A tow truck and what it seemed to be a repossession agent trailing the tow truck already had the XXXX on the belt and was taking the car away. I flagged him down to gather my personal belongings before they both drove away.
Product: Bank account or service

I had an item that I wanted to sell and I used the services that ebay provided. Ebay directed me to set up an account with Paypal so that I would be able to receive payment when the item sold. I accessed Paypal through the ebay page and began to register my bank accounting and personal information. While going through the application process they asked me to verify the small deposit ( s ) that was credited to my bank account as a way of verifying my identity. Paypal also sent me an email stating that they needed to verify my email address as well. 
In checking my email I noticed several e-mails from Paypal. One of which was an application saying that I was denied credit from Paypal. I immediately said " what? '' outloud because I was n't applying for credit but entered in personal/ banking information so that I would be able to receive payments if I sold the item on ebay. I did n't knowingly or intentionally, for that matter, want a credit account with Paypal. In fact I was not even aware Paypal offered credit lines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX, TransUnion, and XXXX to validate the inaccurate items on my credit report on XX/XX/2021. On XX/XX/2021, I sent another request to have inaccurate items on my credit report validated or deleted. It has now been over 30 days and I have not received any response. It is my understanding that I'm entitled to fair and accurate reporting according to federal law. I have several items on my credit report that are inaccurate. They are in violation of the FCRA.
Product: Payday loan, title loan, or personal loan

Store is called Ace cash express I have been going there for quite some time during hardship always paid my loans back. It came to a point that I was having more hard ship finances, medical bills.. etc. My bank accounts closed due to NSF didn't realize they would be effected. I did not received any letters from them or a collector.. Recently on XX/XX/2019 my mother in law and wife received back to back phone calls from a phone number XXXX stating that they are looking for me and they have a warrant for my arrest and a subpoena for court if I dont call XXXX XXXX and set up a payment with them now ... When I called they were the ones who advised the original creditor was Ace cash express located at XXXX XXXX XXXX XXXX XXXX Ca ... I called my bankruptcy lawyer which Im in the process of filing and he advised to file a complaint because it sounds like a scam.. They do not supply a address to send payments to they want payments to be made electronically only ... I tried calling that number XXXX and no answer.
Product: Mortgage

Original Message : Because I received a settlement because of my mortgage mishandling, I 'm just wondering why my credit is still reflecting negatively when you I was advised incorrectly for years and you admitted to it. I am requesting that you removed all the negative remarks on my credit. 
Bank of America Message : Dear XXXX XXXX : Thank you for your Internet inquiry addressed to the Customer Service Department pertaining to your mortgage question. 
Please review the settlement letter you received with your settlement payment, there is a wealth of information about the settlement related to your specific mortgage. You are encouraged to contact the credit reporting bureaus directly with your loan 's information, and submit any corrections you feel are warranted for their review. 

Thank you for communicating with us electronically ; we appreciate the opportunity to be of assistance.
Product: Debt collection

Hello, So I live at the XXXX at XXXXXXXX XXXX in XXXX to XXXX, after I left I never received an invoice for their final bill. I did not know I had a final bill until after it hit my credit. I gave them a forwarding address, but I never heard from them again. I called the collection agency after I saw it hit my credit, but they are a smaller agency with very old equipment that is not up-to-date, so they had to go to some storage shed to get my file, which will take up to 30 days. Anywho, the apartments I moved out of charged me for carpet that was installed before I moved in, they said that it was because it was so damaged that they had to replace it after and charged me a pro-rated amount or something along those lines. These carpets only have a 5 year life expectancy, and i called the flooring place. The carpet was not updated again until XXXX, so they charged me for carpet that was obviously not damaged enough to have to replace again until the end of Its 5 years, which they would have had to replace anyway. 

Im requesting proof of the cleaning fees and the carpet replacement after I moved that was before the 5 years lifespan of the carpet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX  Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX
Product: Mortgage

I'm trying to refinance with Wellsfargo which is also my current mortgage lender. Everything was going good and I paid XXXX dollars for an appraisal. The appraiser made the report up showing a value based on my undergoing bathroom remodel being completed. This work is only cosmetic to add tile and sheetrock over plaster walls. I have another functional bathroom and they are demanding that the work be completed in their timeframe. After talking it out with them they then advised that I could get a contractor estimate and they would see if it could be categorized as an exception knowing I was doing the work myself and that I can not afford a contractor to do the work. Why is it okay for them to litterally ask me to waste a contractors time? I have called contractors and left voicemails trying to get one to come out. 1 business day of Wellsfargo telling me to go this route they send an email saying I have 2 more days to get them this estimate or the loan will be delayed or void. Also the appraiser inaccurately mentioned mold/mildew on the report and when I called them to advise what they saw was a green sealer ( I provided pictures ) they refused to remove it and then complained to wellsfsrgo about me breaking the law by contacting them. I was given the number from wellsfargo and email info to be able to communicate with the appraiser and now I'm being told that I'm breaking the law. This is absolutely rediculous. Do these situations fall within my rights as a consumer?
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported and most accounts was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an XXXX report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX i will be filing form 211 treasury omb forms to audit consumers account. 
EQIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 

XXXX XXXX account XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX account XXXX All hard and soft inquires
Product: Credit reporting or other personal consumer reports

Iquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report
Product: Mortgage

My property ID number has erroneously been attached to a lien filed by Wachovia bank now in possession of Wells Fargo financial institution. This problemed surfaced only by coincidence. I started with the local branch in XXXX, NC to resolve this issue, which was pointless, followed by relentless hours on the phone being fed ridiculous statements. I finally received an e-mail from a XXXX XXXX that acknowledged the error but no legal separation from this lien. I am not being told no information can be shared with me because I am not named on the complaint. I did seek legal assistance also pointless as he has allowed to the bank to tell him how it would be handled. Me and my property is held by this lien in obligation based on a signature that Wells Fargo is waiting on from the lien holder on this open line of equity credit. The document is filed with the correct names ( not me ) and the address of the lien holder as well as matching description of the correct lien property. My property is not located near or even same identified city of the correct lien property or owner. I do not receive communication from Wells Fargo concerning this open line of credit or any documents that may indicate the line of credit is delinquent. At this point the account could be delinquent, and the bank isn't fixing the error only to take my property. I will not know any legal action taken against my property until it is taken from me and owned by whoever. 

Yes, I have dismissed the attorney I mistakenly chose but seeking another individual that can hopefully do more than sit and wait for my property to be taken. 

My last contact with Wells Fargo was from : XXXX XXXX XXXX Representative XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX Wells Fargo XXXX, XXXX, MN XXXX Tel : XXXX XXXX XXXX