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

My account with ( XXXX XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a formal Dispute with TransUnion through the CFPB portal ( case # XXXX ) stating that my Federal Student Loan with XXXX aka XXXX XXXX account # XXXX had been placed into the FRESH START INITIATIVE on XX/XX/XXXX and was to be reporting to all three credit bureaus as being ON TIME and CURRENT but that it was not doing so and that this information needed to be investigated and updated correctly and that not doing so was violating my rights. 

Then on XX/XX/XXXX I received a formal letter from TransUnion stating that my Investigation Results were in and that they had VERIFIED THE dispute as being CORRECT AND ACCURATE DATA formally changing NOTHING on my credit report FURTHER VIOLATION MY RIGHTS as the CLEARLY they did NOT do a formal investigation. These rights of mine are protected under 15 US C 1681 Section 603 ( 3 ) ( E ) which States The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

If they had done a proper investigation they would see I had entered into the Fresh Start Initiative on XXXX ( see attached document ) which states Under The Biden Fresh Start Initiative in accordance with the Education Department states ( 3 ) The negative mark of default on borrowers credit reports will be removed.

( 5 ) Credit Reporting Changes.Starting in XX/XX/XXXX, defaulted loans held by XXXX are reported as current rather than in collections to credit bureaus. For loans held by a guaranty agency, this shift begins in XX/XX/XXXX. 

Which you can see on my TransUnion Updated Credit Report after their investigation ( see attached ) still shows my XXXX XXXX XXXX Act # XXXX as being in COLLECTIONS on XX/XX/XXXX, on XX/XX/XXXX and on XX/XX/XXXX. It also shows it as status UNKNOWN on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several negatives reporting on my credit and are not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a charge from a city I have never been to. And dont know why my card was charged.
Product: Vehicle loan or lease

Initially when the loan was taken out in XXXX, the loan was not set up for a period of over 2 months. When the bank was contacted it was the loan was not due and the was no monies owed. When the payment was sent in XXXX of XXXX, it started off in arrears as their were 2 payments due. 

Trying to work out the payments to get his paid up, in XXXX of XXXX, the bank stated the amount would be rolled into the end of the loan. This was not correct as interest was continually charged. 

Moving forward to XXXX of XXXX, a payment was made on the vehicle on XX/XX/XXXX and then the vehicle was repossessed for non-payment. The bank stated the payment had not been kept. The vehicle was then repossessed on XX/XX/XXXX. 


The vehicle was set to be auctioned for on XX/XX/XXXX, if the funds were not paid by this date. When calling to get the amount due the total amount was given in the amount of XXXX that was supposed to include all fees. When a bill was sent on XX/XX/XXXX there was a total of XXXX that was now due. The reasoning given was the monies were applied incorrectly and if applied correctly would put the car back in repossession status. I do not feel that the fees should have been assessed over a month later and in XXXX after being told on the XXXX of XXXX that the vehicle was current and no extra fees were due.
Product: Vehicle loan or lease

I got a used car loan from A-L Financial in XXXX. My car was impounded, I lost my license and the vehicle was sold at auction by A-L Financial. The loan balance of {$3100.00} was charged off on XX/XX/XXXX. 

Now over 7 years later I am in the process of buying my first home but my credit keeps going down because A-L financial keeps pulling my credit without my authorization. A-L Financial Corp has pulled 3 hard inquiries without my consent or knowledge over the past 24 months and this has dropped my credit enough to stop me from qualifying for a better rate. 

A-L Financial Corp ran a hard inquiry thru XXXX without my authorization or knowledge on the following 3 dates over the past 24 months. 

1 ) Inquiry date : XX/XX/XXXX Removal date from credit : XX/XX/XXXX 2 ) Inquiry date : XX/XX/XXXX Removal date from credit : XX/XX/XXXX 3 ) Inquiry date : XX/XX/XXXX Removal date from credit : XX/XX/XXXX This is A-L Financial Contact info as it appears on my credit report Contact info XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

On XX/XX/14 I received an email from my bank, Bank of America, that a payment was past due. After logging into my account I discovered that two business accounts had been created in my name, one with a balance of over {$9000.00}. I did not create these accounts. I notified Bank of America. They have closed the accounts, and said they will cover the costs.
Product: Credit reporting

I have a XXXX XXXX credit card not showing up on all XXXX bureaus ' reports. I got the credit card in XXXX 2015. It 's been more than 90 days and I still have not seen the card showing up on the reports. I called all of them. Experian helped me to submit a dispute, which then gets solved in 1 day. My credit card now shows up on XXXX 's report. However, after calling XXXX and Equaifax, they refused to submit a dispute ( claiming a dispute can only submitted for an existing account which makes no sense ). I need the credit card to show up on all XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pentagon federal credit union has violated my rights which I will provide later on in my complaint. Pentagon federal credit union does not care about its consumers which the representative stated over the phone even after I said this was an error. 15 USC 1666b Mentions 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 which was not followed by pentagon federal credit union at all. 15 USC 1681 section A 602 mentions that I have the right to privacy and 15 USC 1681 section 604 A section 2 which also mentions a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' right to privacy. '' Experian is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under title 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX, the XXXXancial institution and the Consumer reporting agencies Experian does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian and XXXX XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of the above-mentioned companys reporting services.
Product: Debt collection

My wife, XXXX XXXX, received a loan from XXXX in XXXX XXXX, NV some time back perhaps XXXX. She was the only signer on the contract. When she defaulted, her account was turned over to Clark County Collection Agency and they also tried to collect from me. Although I have disputed this on several occasions, it still shows up on my credit report as a " joint account '' and that I owe {$990.00}. I have contacted Clark County Collection Agency and so has my wife to let them know I was not on the account and have disputed it with XXXX and XXXX. XXXX has failed to remove this disputed debt that I never owed and Clark County Collection Agency most recently reported this again in XXXX of XXXX ; therefore, I was unable to obtain a home refinance on my house which would have saved me XXXX dollars in bill payments each month. I actually have an account in good standing with XXXX and they wo n't do anything about it either : Last Reported XXXX XXXX, XXXX Collection Agency CC COLL SVC Original Creditor XXXX XXXX Status Open Opened Date XXXX Closed Date -- Responsibility Joint Balance {$990.00} High Balance {$2100.00} Please help, my wife has paid the amount she agreed to on this and Clark County Collections still wo n't remove. 

Thanks.
Product: Debt collection

On or about month of XX/XX/XXXX, i had a policy with XXXX XXXX. I contacted XXXX to inquire about utilizing a lockout plan or feature and advised i didnt have as part of my insurance policy. I then paid for the roadside service as i did not have the policy feature and the fee of {$99.00} was paid using my bank debit card to a third party company XXXX uses called '' XXXX XXXX'. 
After requesting the service and paying for the service for lockout service, the individual or company never showed to my location where i called to have the service used and therefore I began using tactics to resolve situation myself. 
i contacted XXXX to request a refund of the roadside assistance fee of {$99.00} due to not fully using the service or service wasnt completed by third party successfully, i was referred to a website to request a refund of the third party fee and service. I attempted to go to website as requested however website provided to submit such refund request was not user friendly and or having website related issues submitting information into website sucessfully. I then contacted XXXX directly and requested to have all funds of the {$99.00} applied to my upcoming policy due and i then shopped for a different policy with a different company that would include any roadside assistance. As of this date, XX/XX/XXXX, i now have recieve multiple notices stating i owe {$120.00} to XXXX and now a collections company, CCS Collections. I have re-attempted to contact XXXX and request all monies owed or due be settled with refund amount from third party roadside assistance company, XXXX. I was advised per a XXXX policy representative that an email would be sent to XXXX for follow up. I would like this to be resolved and all funds or amounts removed off my credit report as soon as possible or within a reasonable timeframe as i beleive as a consumer i should not have paid for a service i never recieved or used.
Product: Bank account or service

I received correspondence from SunTrust Bank on XXXX/XXXX/2016 about bank accounts for me. I never opened any accounts with them so I called them and they assured me that they had already closed the accounts and realized that they were fraudulent. They said that they had been opened on line but there were never any deposits made to them. I recently received additional correspondence dated XXXX/XXXX/2016 from SunTrust bank about the same accounts. My concern is that their practices are unethical. I have never attempted to open a bank account or credit card services with SunTrust Bank in person or on line. It really does n't make sense that someone would try to open an account in my name without making a deposit. I was not aware that it is possible to open a checking and savings account on line. I do n't believe them when they say that someone attempted to open these account in my name on line because the correspondence came to my home address. There are XXXX accounts but I only had room to submit XXXX for this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and Trans Union regards inquires that are reporting to my credit report that occurred before I became XXXX years old. I turned XXXX on XX/XX/XXXX. XXXX  stated that I was born in XXXX, therefore I submitted DL, birth certificate to validate my dispute. Upon receipts on documents they stated that they could remove the inquires I did understand because I was told by a agent that they will be removed. Ive reached to companies listed below, there unable to locate An application with my name on it. They stated they would forward documents over to credit agency and I. I have not receive documents nor have inquires been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX or XX/XX/2018 i seen a ad about companies that can help you boost your credit score if  you pay them a monthly fee. For instance XXXX XXXX ( online book company } will give you a XXXX line of credit that will report to the credit bureau for XXXX a month. you are paying them just to report to the credit bureau to increase your tradelines which is a rip off they offer online books that you have to download. noone purchases the books its just a rip off to get your money monthly. they report on yur credit report under XXXX. they have a sister company XXXX XXXX that sells merchandise like XXXX, they gave me a XXXX line of credit i have never use these accounts. i have since establshed my own credit and i have advised them i no longer want to use their services. which is really a bias company that reports to the credit bureaus as if they are giving you a line of credit but they arent giving you anything just reportng to the credit bureau and want you to pay them monthly to report to all 3 credit bureaus. i stopped paying them and they have since deemed my credit report. i am asking that all 3 credit bureaus to remove both XXXX accounts from my credit file. Because they are illegal. i will not continue to use them afer i advised them several times i will not continue to pay them XXXX a month for nothing, just to report to my credit bureaus that i have a account with them something that ii can not use and never use,. basically people are paying XXXX just to report to their credit monthly as a fake trade line. I asked them to cancel my service and when i did. and didnt pay thry reportred me as a missed payment. there is nothing to miss. i have never purchase anything from XXXX XXXX please read the attached documents. they are a company that reports fake tradelines and consumers pay them a monthly fee for nothing. Please remove from my credit file al 3 bureaus.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AMERIFINANCIAL SOLUTIONS Last reported XX/XX/XXXX {$620.00} Open balance AMERIFINANCIAL SOLUTIONS Last reported XX/XX/XXXX {$620.00} Open balance Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERIFINANCIAL SOLUTIONS Last reported XX/XX/XXXX {$620.00} Open balance AMERIFINANCIAL SOLUTIONS Last reported XX/XX/XXXX {$620.00} Open balance I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

THERE WAS FRAUD ON MY CREDIT & I ALSO NOTICED A HARD INQUIRY THAT I DID NOT CONSENT OF FROM " BANK XXXX XXXX ''.
Product: Credit reporting

Last year we had an issue with Transunion not updating loan information. I disputed it and finally had to file a complaint with Consumer Finance. The issue was corrected, however, it is a joint account and we have noticed that the information did not get corrected on my husband 's Transunion report. I 've contacted both, Transunion as well as the bank. Transunion stated that they did n't change information on reports and the bank stated that the information being reported correctly on mine is the same information being reported on my husband 's report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to see if I was affected by the Equifax hack, which is already outrageous that they 'd allow my data to be compromised in such a manner, and then their page says " come back later '' to see if I 'm hacked and I 'm under the impression that they signed me up for a service I did n't consent to. This needs to be handled NOW
Product: Debt collection

This 3rd party collection reporting company AMSHER COLLECTION SERVICES INC will not Delete this account from my credit report after its paid in full. Under Fair Credit Reporting Act Law, Section 609 through 617 I have the rights to have this account Deleted permanently from my records once paid in full. Ive sent them letters stating I would pay along as they would agree to Delete from my report and the still refused and stated there is nothing I can do about it!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account XXXX Opened Date XX/XX/2017 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that SYNCBPAYPALEXTRASMC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.