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

My account with DEPT OF EDUCATIONXXXXXXXX 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 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. XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXXXXXX 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: Mortgage

Individual from XXXX XXXX XXXX  ( individual A ) from Equity Settlement Services, Law office of Puleo Delisle , PLLC. was working on my closing documents. There were some documents that needed another partys ( party B ) signature. I told A specifically to separate the documents and to send only those documents that needed Bs signature to B. I confirmed this with A 3 times to make sure he would do that. A said that he would separate and send only the documents that needed Bs signature to avoid any confusion. When I saw the email A sent, it had all the documents in there which had all of my personal and highly sensitive information like my personal bank account which should not have been sent to B without my consent. This is unacceptable. When I questioned A on why he did so he said he can not be in the middle of it. On top of that, A ignored all my phone calls and responded to me through the customer service representative that he wont pick up and cant speak to me about my file anymore. I can not believe how unprofessional and cowardly A is. He should be removed from his position due to his reckless, unacceptable service and the company should be held accountable for their mistakes.
Product: Credit reporting or other personal consumer reports

I financed a service through XXXX but never received it. After investigating my complaint, XXXX resolved the issue and issued a full refund. 
I disputed this charge with Experian and requested that they remove all negative marks from my credit report related to the XXXX account, providing supporting documents for verification. 

However, Experian claimed they investigated and determined the debt to be accurate, stating the following : " XXXX XXXX Account XXXX Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' This information is incorrect and outdated, as my XXXX account shows the debt as paid in full/refunded.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX located in XXXXXXXX XXXX ; EXPERIAN located in XXXXXXXX XXXX and XXXX located in XXXX, XXXXThis company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, EXPERIAN AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit reporting or other personal consumer reports

This credit card was open fraudulently under my name. It is not mine, I didn't open It. I sent them the police report showing it's not mine. When I found out about It, I closed the account. They will not remove this off my credit report, or reopen the investigation. I even told them who I banked through which is not my bank. Please help me get this removed off my credit report. I even told them there were XXXX other cards opened under my name that got removed. I had identified theft happen to me.
Product: Student loan

Last year in 2020 I tried contacting my student loans to get student loan forgiveness and they said I qualified but its still on my credit
Product: Vehicle loan or lease

XXXX rep id : XXXX @ Ally Financial, stated my XX/XX/2021 payment was considered negative and reported negative 30 days late to the credit bureau because Allys 3rd party payment vendor application system didnt post the payment til the following day being it missed the XXXX cut-off time. I asked XXXX if I may speak with her manager. She replied, the mgr was tied-up on the phone with other customers ... I replied, I will hold. The contractual agreement I signed with Alley for my auto loan states my payments are due on the XXXX of the month & reported negative/late the XXXX of the following month if XXXX more days past due. My pymt was accepted and processed via the lenders automated system on XX/XX/XXXX, exactly 30 days after XX/XX/XXXX. I called to confirm no late negative reporting had been reported to the credit reporting bureaus with my account ; however, was informed my payment was considered late because Allys 3rd party vendor XXXX XXXX XXXX  does not post pymts after XXXX, M-F. I have not received any written disclosures in regards to these changed terms and Allys billing system consistently updated with an incorrect mailing which explains why I never received notification via the postal mail of changing billing terms. This is wrong that Ally Financial practices illegal and predatory lending and gets away with destroying customers credit by reporting negative, erroneous, false account payment information. Allys 3rd party automated phone payment vendor system asks the account holder what date he/she would they like to process their pymt, I entered the XXXX, the same day as my call and the automated system accepted my pymt, then provided me the confirmation #. However upon speaking with a live person, XXXX, on the XXXX I was informed my payment was late & will be reported as late to the major reporting credit bureaus. This is concerning & saddening to say the least! It is absurd!!!! Please stop this raping of customers from Allys falsified, erroneous and negative credit & billing reporting actions!!!!!!
Product: Checking or savings account

On XX/XX/XXXX a deposit of {$37.00} was made to my Credit Karma spend account from my minor child 's employer for his payroll. Credit Karma locked my account and sent me an email notifying me the account was locked due to the deposit. I provided the requested documentation to verify identity including mine and my XXXX  child 's state issues identification. After multiple requests for an update, I received a response on XX/XX/XXXX stating my accounts had been closed and they would be sending the funds to my address. To which I notified them after multiple attempts to update my address since XX/XX/XXXX, it still reflected my prior address. I received an email on XX/XX/XXXX stating that the check had been returned on XX/XX/XXXX. I again notified Credit Karma that the address they are sending to is not my address. I was told I needed to provide proof of address with limited criteria or the address needed to appear on my credit reports. I verified the address does appear on my credit reports and provided proof of address with multiple copies of medical bills, a copy of my divorce signed by a judge with the correct address, and additional bills verifiable with my credit report. As of XX/XX/XXXX, Credit Karma is still refusing to send the funds to me regardless of what proof I provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

H & R Collection reported me to the credit bureau saying I owe a medical bill. I never went to XXXX XXXX XXXX ever. I sent them a debt validation letter via certified mail and the never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has restricted access to my credit report online. I have made numerous attempts in the last several weeks to get them to fix this with no success.
Product: Money transfer, virtual currency, or money service

On XX/XX/25, I logged onto the Chase app to send a XXXX payment to someone selling a used car. The email address given to me was entered as " XXXX ''. The name that came up in XXXX was " XXXX XXXX ''. Right after sending the {$500.00}, I realized the person was not who they claimed to be. I called Chase member services for help since I saw the transaction number already. The lady said that because XXXX is a " 3rd party '', there is nothing they can do. She said it was like exchanging cash. This was nothing like exchanging cash, since I had no intention of giving cash to a scammer. Chase and XXXX have access to who this person is, so why can't something be done? Chase said that they have no way of filing a report since they have no control over XXXX. This makes no sense, since Chase probably contracts with XXXX, and obtains some amount of compensation. There is no way to protect my hard-earned money, even when we know who the thief is.
Product: Mortgage

Mishandling of funds. 
XXXX XXXX, XXXX I sent a check to cover my escrow shortgage. They did not apply my money correctly, evidently I wrote the wrong amount on the check. I sent them messages to no avail on XXXX/XXXX/XXXX which has still not been addressed. They finally called me when I sent in my mortgage payment asking why I was sending in another payment - this was on XXXX/XXXX/XXXX as well, not even looking at my messages. I was talking with XXXX and sent another immediate transfer to cover the amount. She assured me as assistant to the vice president, she would make sure this was done correctly. I now get a statement with my last payment pended, an overdue payment amount ( XXXX ), a partial payment unapplied ( {$1100.00} ) and an amont due of {$2100.00}. My escrow balance shows {$1500.00} - my shortage was {$1500.00}. My payment amounts should have stayed at {$870.00}. This is causing a lot of stress trying to get this cleared up and a lot of problems between my spouse and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems.  The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am bringing to your attention an inaccurate item on my consumer report under the Fair Credit Reporting Act ( FCRA ). Below are the details : Creditor Name : OneMain Account Number : XXXX Status : Charged Off The information reported is inaccurate and unverifiable. Under FCRA Section 611 ( a ), you must verify the accuracy and completeness of any reported item. A charged-off account should not reflect a balance due, as this misrepresents the debt status and negatively impacts my creditworthiness. Additionally, because this debt has been charged off, a 1099-C form should have been issued to me in compliance with IRS regulations for canceled debts.

I request that you investigate this account, provide full documentation to support its reporting, and confirm whether a 1099-C was filed. If verification can not be provided within 30 days, please remove the item from my credit report. 

Thank you for your prompt attention. Please confirm the results of your investigation in writing. 

XXXX XXXX
Product: Debt collection

In my previous dispute against Equifax, they responded that the collections, charge-offs, and late payments were all verified as accurate. I would like to know what method of investigation was used to verify the accuracy and validity of the disputed accounts? 

According to 15 USC 1681b section 1 & 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given to furnish these fraudulent accounts? This is aggravated identity theft and defamation of character. I have not been able to qualify for a loan for my house because of these unfair and inaccurate practices. I will reattach the previous dispute letters and affidavits so that you can use them as a guide as to which account/inquiries should be removed and DO NOT add a fraud alert. My next step is civil court.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting me for being delinquent. I paid for them months and months ago. 

I reported them to YOU. They said I'm not delinquent. My report literally says delinquent. 

They're committing fraud, then lying about it, AND YOU DO NOTHING. 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX You are in Direct Violation of The Fair Credit Act { capitol one and XXXX XXXX XXXX LOAN } HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602A CLEARLY STATES THAT I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604ASECTION 2 : IT ALSO STATES CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRRITTEN CONSENT.

15 U.S.C 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE REMOVE THESE LATE PAYMENTS AND UPDATE THESE ACCOUNTS IMMEDIATLEY AS YOU ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER THE FAIR CREDIT ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

This account With XXXX XXXX XXXX XXXX was charged off in XX/XX/XXXX. They Have been updating this account with negative and positive payment history. The latest update was XX/XX/XXXX. I have NOT made a payment on this account since XXXX. this why the account was closed and charged off. 

They are illegally Re-aging this account on my Credit Report. This is affecting my credit score in a negative way. Which is a CLEAR violation of the Fair Reporting Credit Act. They are updating my account as if it is still open. I've contacted this company they where rude and unhelpful. I'v also disputed this account with all 3 Credit Bureau 's . They Did nothing as well.

I hope this get this problem solved thank you
Product: Prepaid card

XXXX XXXX their disclaimer says they will reimburse funds if reported within XXXX  days I reported it in less than XXXX it says we cant loose more than {$50.00} to fraud the person who stole my card is in jail and police report been made bye the XXXX police dept the person that stole my XXXX XXXX card worked at the local XXXX gas station and bought all kinds of gift cards and cigarettes from the store he was working but XXXX XXXX is failing to reimburse me knowing that it was fraud XXXX is the claim we filed with XXXX XXXX I have recordings of XXXX XXXX hanging up when I tell them we are recording the conversation they try to change the date of each complaint! They are trying to not offer services for some reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I have produced the evidence and law for the inaccurate public record reported on my credit report and I can't see my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and i see some accounts that are causing harm to my otherwise impeccable credit report. Due to certain laws that protect me, I believe these accounts should be updated to perfect payment history. Please see attachments for more info. Failure to comply will result in civil penalties for you willingly ignoring the laws that you are to abide by.
Product: Debt collection

I was sent to collections by XXXX XXXX XXXX  for a bill that was paid by me the same day that I received it in the mail ( XX/XX/2021 ), I drove to their office and paid via a personal check the final total due of {$240.00}. 

On XX/XX/2021 I received a collection notice from CONSUMER COLLECTION MANAGEMENT for a total of {$340.00}. Not only did XXXX XXXX XXXX  send me to collections for a bill already paid, they added a previously paid bill for pro-rated rent which was {$90.00}, and they didn't included the interest on my {$400.00} deposit of {$8.00}. 

{$240.00} + {$90.00} + {$8.00} = {$340.00} ( which is what they sent me to collections for ) Attached are documents that prove this. 
* Final Bill - Show 's total owed ( {$240.00} ), and the previously mentioned money order being accepted ( {$90.00} ), and the interest ( {$8.00} ) on the deposit they took for " additional charges '' * Bank account statement that shows the purchase of said money order, as well as them depositing the check from me. 
* A photo of the money order made out to them.
Product: Credit reporting

Equifax has reinserted XXXX after they deleted it on XX/XX/2017. I have never received any notice of the account be reinserted ( requirement of FCRA section 610 ) ... they are violating the law & I need this account removed AT ONCE!!!
Product: Credit reporting

I am requesting for the last time with this notice that the following inaccurate items be DELETED from my credit report. XXXX XXXX XXXX XXXX ( AUTO ) XXXX XXXX, 2010 XXXX, XXXX XXXX, XXXX ( COLLECTION ) NOT MINE the items are not correct result of ID THEFT and are causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX County Against Transunion if no results for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I standby the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via E or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct address current XXXX XXXX XXXX XXXX XXXX OH XXXX accordance with section of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
Consent to publish the description of what happened? Consent provided
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX Account 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
Product: Credit card or prepaid card

My WI XXXX XXXX Eppicard was suspended for fraudulent activity in XXXX. Twelve unsuccessful attempts to speak contact customer service @ # listed on card. Minimum time waiting was 45min max time in line 2.5 hrs. Never speaking to a live person. Each call attempt was made @ diffrent time & day of the week to rule out high call volume times. 

After waiting 65 minutes I spoke with a Level 1 representative who said id need to speak with a L2 agent. 204 minutes wait time. The L2 agent asked for the same information I provided L1 After L2 verified my information was correct transferred me to L3 agent to lift suspension from my card. My call in queue 137min. When the L3 agent answered the call was dropped. 
Forcing me to start over @ L1 At L1 or L2 I wasn't given an explanation for the suspension. The fraudulent activity was never addressed or mentioned by representatives, agents at all. 
Wait times are unacceptable