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

My account with Equifax 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 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 XXXX  days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX Balance : -
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Update of XXXX Credit Card Account Dear TransUnion Customer Service, I am writing to request an update to my XXXX Credit Card account information, which was reported to your company on XX/XX/XXXX. I have noticed that this account has not been updated in your records, and as a result, it has significantly impacted my creditworthiness, character, reputation, and overall mode of living.

Accurate and timely reporting of my credit accounts is crucial for maintaining my financial health. I kindly ask that you review this account and ensure that it reflects the current status.

Thank you for your attention to this matter. I appreciate your prompt response and assistance in resolving this issue.

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

I have had my identity stolen and have submitted a police report to both the original creditors and debt collectors. The fraudulent items have not been removed from my credit reports. In fact, I have not received a response at all.

I have been denied employment, credit, and housing due to this issue and have only been able to live in a XXXX with no stable residence. I was subsequently XXXX once COVID-19 started due to the XXXX having fear.

I have no stable residence to receive mail and prefer to receive correspondence via email, as I am able to check that periodically
Product: Credit reporting or other personal consumer reports

These are all the inquiries that were applied without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of XXXX and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted theses damages to the credit bureaus i am in the process of purchasing a home and i submitted the information to the credit because and they have not provided the proper results and removing the fraudulent and negative information that does not belong to me and according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x Federal and state fair credit reporting statutes promote the accuracy and correct and update information and if this is not the case then all negative and incorrect information must be removed
Product: Debt collection

This debt collector JEFFERSON CAPITAL SYSTEM has added false collection on my credit report in the amount of {$1800.00} and I am not aware of it. Ive tried to dispute the collection and results came back threatening to take legal actions with FALSE information they have. Along with it being reported, it added a residential address I never lived in or have any knowledge or connections to that address. The address fraudulently reported on my credit report attached to his collection agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I 've been trying to get Mortgage company who are supposed to be FHA approve lenders to do a streamline EEM with no success one company ( XXXX told me it did n't exist ) Incidently I started process XX/XX/XXXX They also ran hard credit check, the last company I 've dealt with again this guy lied before I even started with him, I asked if they did this type of loans he said yes otherwise I would not have bothered with him I gave him info of course he ran another hard credit check then he tried to get me to sign for a different loan product and told me then that their were being updated an he could n't guarantee he could do the loan this year, I am just very upset al I need to do was make my home affordable to live in I only needed was {$2500.00} and {$400.00} to pay the Energy Auditor, I tried to do this myself I had an accident XXXX ending up with medical expenses and short pay checks otherwise I would'nt be doing this. I also wanted to make it more live able because I have my XXXX sister living with me and the XXXX are hard on her. I may as well let you know that these inspections I believe are only good for so many days and I do n't know if I can get him to extend it. I would 've met the criteria for this FHA program. I do n't know if can take this run around and all these hard credit searches are hurting my score,!!
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF EDUCATION/NELNET Date opened XX/XX/XXXX Balance {$3800.00} Status Open/Never late. 
DEPT OF EDUCATION/NELNET Date opened XX/XX/XXXX Balance {$4900.00} Status Open/Never late. 
DEPT OF EDUCATION/NELNET Date opened XX/XX/XXXX Balance {$6000.00} Status Open/Never late. 
DEPT OF EDUCATION/NELNET Date opened XX/XX/XXXX Balance {$8300.00} Status Open/Never late. 
DEPT OF EDUCATION/NELNET Date opened XX/XX/XXXX Balance {$5900.00} Status Open/Never late. 
DEPT OF EDUCATION/NELNET Date opened XX/XX/XXXX Balance {$2200.00} Status Open/Never late. 
DEPT OF EDUCATION/NELNET Date opened XX/XX/XXXX Balance {$5600.00} Status Open/Never late. 
US DEPT OF EDXXXX Date opened XX/XX/XXXX Balance - Status Transferred, closed/Never late. 

These items are incorrect WRONG ADDRESS and personal information. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete. 

Please remove this account immediately in its entirely from my credit file. DEPT OF EDUCATION/XXXX Please remove it from my credit report.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed. 

After you remove these items, please send me an updated copy of my credit report via mail.
Product: Debt collection

This creditor has violated my rights in contravention of the Fair Credit Reporting Act. Specifically, the creditor has infringed upon my right to privacy as outlined in 15 USC Section 1681b, Section 602s. Additionally, under 15 USC Section 1681, Section 604a, subsection 2a, the creditor is prohibited from providing information about my account without my written consent. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan. 

Mortgages In accordance with fair credit report act, this creditor has violated my rights.Under Section 1681s-2 of the 15 USC ( United States Code ) contains provisions related to the responsibilities of furnishers of information to consumer reporting agencies, including mortgage lenders who report payment information on mortgages.

the creditor is prohibited from providing information about my account without my written consent.Subsection ( a ) ( 1 ) ( C ) ( i ) of Section 1681s-2 specifically requires furnishers of information to report the date of delinquency on any account that is delinquent, including mortgages, to consumer reporting agencies. 
Subsection ( b ) of Section 1681s-2 outlines the responsibilities of furnishers of information to investigate disputes received from consumers and correct any inaccurate or incomplete information. This can include correcting the reporting of late payments on mortgages if they were reported in error. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan. 


There are several sections within the 15 USC ( United States Code ) and other laws that prohibit creditors and furnishers from posting late bills or reporting inaccurate information to consumer reporting agencies. Some of these sections include : Section 623 of the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information to consumer reporting agencies report complete and accurate information, and correct any inaccurate information upon notice of a dispute. 
Section 1681c of the FCRA, which limits the types of information that can be included in a consumer report, and requires that the information reported is fair, accurate, and relevant.

Section 1666i of the Equal Credit Opportunity Act ( ECOA ), which prohibits creditors from discriminating against borrowers on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of income from public assistance.

Section 804 of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from making false or misleading statements in connection with the collection of a debt.
Product: Credit reporting or other personal consumer reports

I have requested XXXX in XXXX and XXXX 2024that XXXX XXXX and XXXX XXXX XXXX provide validation for this account. Each time, the companies has failed to provide the required debt validation as mandated by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g within the 30-day period and when they finally responded on XX/XX/year>, I did not receive the following information as requested. 

When a consumer disputes an account and requests debt validation, the company or debt collector is legally required to provide documentation proving the debt is valid. If they fail to do so within 30 days, they must cease all collection efforts until proper validation is provided. If not, the account must be removed from your credit reports. 

Required Debt Validation Documentation, but not limited to : XXXX. Proof of the Debt : - A copy of the original signed contract or agreement that created the debt. 
- Documentation showing a breakdown of the balance, including principal, interest, fees, and any other charges. 

XXXX. Creditor Information : - Proof that the creditor legally transferred or assigned the debt to a collection agency ( if applicable ). 

XXXX. Payment and Account History : - A detailed record of payments made and how the balance was calculated. 
- Evidence of late fees, interest, or penalties added to the account. 

XXXX. Legal Authority to Collect : - Documentation proving that the company attempting to collect has the legal right to do so.
Product: Debt collection

Account resolution Service is contacting me regarding medical bills that were paid by insurance to the original creditor XXXX XXXX XXXX. By them selling my medical information to a second party company, they are violating my rights under HIPAA. One account is showing {$680.00}, another account is showing {$1000.00}, another showing {$910.00}
Product: Mortgage

XXXX ,  XXXX ,  XXXX   XXXX  cwen Loan Servicing has charged me 13 m ortgage payments per year over the past 3 years. They have explained that my escrow payments have not been sufficient and that each year in order to prevent my monthly fixed rate mortgage payment from increasing, I must make an additional Escrow Payment. Over the past 3 years I have made a full additional mortgage payment. This year I did n't quite make the additional payment in full so they increased my monthly mortgage bill as of  XXXX , 3 months later and with the additional escrow payment and my mortgage payments ... my escrow still reflects low balance. With hopes of remedying this very serious issue, I called the compan y. Ocwen has bounced my call around to different departments, each department saying that the shortage and or requirement of more money could be coming from another department ... ..it is a three ring circus trying to get answers from Ocwen as to why I am making 13  payments yearly to keep my monthly fixed rate payment in tact.    XXXX   XXXX ,  XXXX  I paid mortgage payment,  XXXX   XXXX ,  XXXX  I over night expressed Escrow Payment {$810.00},  XXXX   XXXX ,  XXXX   Ocwen sent letter   stating that I needed to pay an additional {$700.00} to the ecrow to prevent a rise in my monthly bill
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : Balance : {$3900.00} XXXX off XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX open
Product: Mortgage

I called my mortgage servicer and requested to be reviewed for " FHA deletion '' since my home 's equity is now over 20 %. The representative I spoke to on or around XX/XX/XXXX said that he would submit a request ( work order ) for review & consideration. I called my mortgage servicer again a week later to find out the results. The representative said that my loan was not eligible for removal of the mortgage insurance due to investor requirements from XX/XX/XXXX prior to originating my mortgage in XX/XX/XXXX. I asked them to please send a written explanation about why my loan was not eligible. To this date ( XX/XX/XXXX ), I have not received a written explanation for the denial.
Product: Debt collection

Account was put on credit report, causing loss, financial hardship and denial of credit
Product: Credit card

I changed banks. I updated my banking account information through Comenity Bank website for the XXXX XXXX credit card. My payment did not go through for whatever reason, and they charged me a returned check fee of {$30.00}, even though I didnt even send them a check and scheduled the payment through the website. I never received any kind of notification that the payment didnt go through. No phone call, email, fax, letter, pigeon, nothing. Most companies are blowing you up immediately when they dont get their payment. The supervisor I spoke with refused to offer me any type of credit. They refused to tell me why the payment didnt go through, whether it tried to get pulled from my old account, new account, what have you. I have filed a complaint with the XXXX  and they have not even responded to that complaint either. I just want that {$30.00} back, my account would be paid off for not that.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 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 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: Money transfer, virtual currency, or money service

I am following a complaint against cash app Block Inc do the inadequate customer service and unfair practices which violate the Consumer Financial Protection Act specifically cash out field to take timely and effective measures to prevent an address fry or their platform leaving my account vulnerable and unprotected furthermore the dispute resolution process was unfair and deceptive as they did not comply with every resolution requirements under the electronic fund transfer at a regulation eat these actions have called significant inconvenience and financial loss and I seek appropriate dress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I was doing my regularly credit report check and noticed that there was a strange account from XXXX XXXX XXXX  on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The account was opened XX/XX/2022 ( XXXX mos ) and shows as open. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent under Section 609 of the FCRA. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.