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

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated. 


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 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 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! 


Update the late payments from my consumer reports
Product: Debt collection

I sent a certified letter in XX/XX/2019 to hunter warfield asking to validate the debt that they were reporting to the credit bureau. Here it is XX/XX/2019 no response. The invalid debt is still being reported negative on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an amazon account XXXX XXXX. I have had this account for a couple of years, and no issues. I found out that I was going through Amazon and saw another version.

I contacted Amazon and asked them if I take off the other account, the account I have no card for or any information. " The woman told me sure. So hold On ; I will get this taken off. 

She said, " All is taken care of. Is there anything else I can do for you? I said No. 

The next day this was about XX/XX/XXXX, I looked at my credit score, and it was down from XXXX points from Very good to good by Synchrony bank. 

I was confused, so I decided to call Synchrony bank and try to remediate the issue with Synchrony bank. 

It wasn't successful, and I got a letter saying " XXXX XXXX XXXX ) that a hard inquiry will be reported to my credit bureau. 
I was told that they would remove it and give me the documentation I could send to a credit bureau. 

I have one card, and that is all. I pay my bills on time XXXX weeks ahead of time and take my credit history seriously. 

I wasn't advised to close the other account, and I was very specific. I also tried to work it out with them. 

Thank You, XXXX XXXX XXXX
Product: Prepaid card

On XXXX XXXX, 2015 I was contacted by RushCard Member Services via email and was notified about changes that were to be made to the system in order to better the service beginning XXXX XXXX, 2015. This was supposed to occur between the hours of XXXX. A short time after XXXX I receive another email stating the changes to be made were taking longer than expected but they 'd have things up and running by XXXX. Closer to XXXX that afternoon ( XXXX XXXX, 2015 ) I try to check my balance on RushCard mobile and Rushcard online it was down. Unbeknownst to me the system was still not working. I then contacted RushCard Member Services and was assured the problem would be fixed with XXXX hours. I then refrained from using my card for the remainder of the day. Today ( XXXX XXXX, 2015 ) At this point I 'm in a panic because my direct deposit is supposed to go through.I try to put money on my bus card using the RushCard, it was declined causing me to panic. Once again, I call RushCard Member Services. After getting hung up on a few times and placed on hold nearly XXXX minutes, I was able to speak to a CSR who then told me there was nothing he could do to rectify the situation. I try to sign into my online account and am unable to do so as well. Today ( XXXX XXXX, 2015 ) I was able to to login to my mobile account but the balance says XXXX dollars. They took the money I did have and my direct deposit was supposed to go through XXXX. I still have no funds and had to call out of work today because I had no money for the bus. It 's going on day 3.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting an account from lending club corp on my credit report as in collection on XX/XX/2017 which never happened as i always paid the account on time & upon my repeat disputes, XXXX has refused? failed to further investigate the dispute as perviously disputed. This information is completely inaccurate & is hurting my credit due to mistake made by XXXX & must be corrected immediately.
Product: Student loan

Even When I make on-time payments they refuse to let me pay toward my principle. I have overpaid my bill every single month and not XXXX dollar has gone to the principle There effective forcing me to pay interest indefinitely and when confronted about it they hold their ground that its fair practice despite the fact that every other student loan vendors I have ever had before allowed it. They are a predatory loan servicer.
Product: Money transfer, virtual currency, or money service

I had a different account at coinbase that had money in it. My phone got torn up so I was unable to retrieve my account without a two-factor authentication code which could only be used on my phone which i did not have. i had a different phone that was not linked to this account. So i called the company and they said there was nothing they could do at this point, they would have to have their specialists look at it. which they did not! I even gave them the new phone number so the money could be transferred to a new account with my new e-mail. Ive have called numerous times since this happened and they give me the the run around. that they need a specialist to look at it and there is nothing they can do at this time. How long does it take to transfer money into a different account. Ive went to the hospital to deal with my XXXX and XXXX this has caused me. I just want my money back, even though its ony {$110.00}. They have caused me to lose money when cyptocurrencies started to go down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit Reporting Act states that written proof with signature must be required and I have not received anything as of this date from the creditor.
Product: Debt collection

I received a letter from a debt collector dated XXXX XXXX, 2016 stating that we have entered into an agreement for debt settlement when no such agreement by legal definition has taken place. Part of the letters introduction is " NOTICE OF INTENTION TO FILE A LAWSUIT '' the letter has a case # as well as an account # appearing to be a court document. They did not submit any information beyond this nor ever have. No acknowledgement of statute of limitations whatsoever. I do not acknowledge this debt.
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX XXXX and I am a Victim of Identity Theft. As of XXXX of XXXX  I noticed on my Credit Report that a new card from Comenity Bank Credit Card Address ID # XXXX had been opened. At that time I contacted Comenity immediately to inform them that this was not my card that it was opened Fraudulently. I did not Authorize it, Approve it, nor did I sign for it, it was Identity Theft and Fraud and I would like it disputed and removed from my Credit File Account. Please Delete. 

Thank You, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a credit card from XXXX  XXXX XXXX approved for {$14.00} which I did not requested, I call XXXX XXXX XXXXXXXX and they cancel as it seems someone stole my information. I file a dispute in Experian because that account is not mine I did not apply for it I do not have and I cancel it. The dispute was received as accurate and did not remove from my credit, thus I do not understand that I am disputing this account as it doesn't belong to me and they insist in keeping it.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I am sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

National Credit System is reporting a collection from XXXX XXXX XXXX on my credit file. XXXX XXXX XXXX is no longer a company and I have been trying to figure out where to call to pay with no success. None of the payments I made to XXXX XXXX XXXX reflect on this account. I never received any phone calls, letters or collection notices which is a violation of my 30 day right to dispute and leaves me unaware of where and who to pay. I would like National Credit System to fix this debt.
Product: Credit card or prepaid card

I have had this credit card and XXXX other cards with capital one. In almost 7 years they have given me 1 credit line increase on accts ending in XXXX, XXXX, XXXX and business card XXXX. My bankruptcy will officially be of my credit as of XX/XX/22 after 7 years. I requested credit line increases on each card and now I get denied because " recent use of existing card has been too low '' So after 7 years with credit score of XXXX and 100 % payment history now I'm penalized because I keep my debt-to-income ratio below 4 % debt. They allege this card was to build credit and they have not allowed me wo do that due to their low credit lines of no more than {$1300.00} AFTER 7 YEARS OF EXCELLENT PAYMENT HISTORY. They refuse to offer me the benefits they promise with building credit. Because their credit lines are so low compared to my other credit cards, I can't utilize their cards because it'll increase my debt-to-income ratio. Even though these have been my longest existing credit cards credit lines are the lowest. They have NOT done periodic reviews for the past 7 year except one that I requested that lowered my credit rating due to a hard hit. after their refusal to give me credit line increases
Product: Credit reporting

As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. XXXX XXXX XXXX 's account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an MSI I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX XXXX is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXX did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. Equifax also never formally rejected my affidavit and the law as defined by the FTC states that if they do not reject my affidavit within a certain amount of days then they must block all fradulent accounts on the affidavit in XXXX days, something I also sent to Equifax straight from the FTC. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as XXXX hours a day, XXXX days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to XXXX and will be paid or unpaid, and I will report this on all XXXX numbers for Equifax Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX drops credit score every other month by XXXX points for no reason. A CREDITOR IS REMOVED AND THEY STILL BOTH DROP MY CREDIT SCORE BY XXXX POINTS EVERY OTHER MONTH WITH NO INQUIRIES.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). Despite my numerous attempts to dispute inaccuracies on my credit report, Experian has not properly investigated or corrected errors regarding my account with ; XXXX XXXX, Account Number : XXXX. 

XXXX actions are in direct violation of the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) : Experian has failed to maintain and ensure maximum possible accuracy of my credit report.

15 U.S.C. 1681s-2 : Experian has neglected its responsibility to investigate and correct information furnished by data furnishers after my disputes.

15 U.S.C. 1681i ( 5 ) : Experian has failed to conduct a reasonable reinvestigation of my disputes or delete unverifiable information as required.

15 U.S.C. 1681c ( c ) : Experian has failed to comply with timeframes and requirements for resolving or reinserting disputed information. 

I have sent dispute letters to Experian regarding the inaccuracies associated with the XXXX XXXX XXXX account. I have provided supporting documentation to prove the errors, yet Experian continues to report this information inaccurately. Experian 's responses have been inadequate, often returning generic explanations or failing to address the specific details of my disputes. These actions have caused significant harm, including damage to my creditworthiness and barriers to accessing credit, housing, and other opportunities. 
I recently learned about the CFPBs lawsuit against Experian ( CFPB Press Release : CFPB Sues Experian for Sham Investigations of Credit Report Errors ). This lawsuit underscores Experians systematic failure to properly investigate disputes and its disregard for the accuracy and integrity of consumer credit reports. My experience aligns with the allegations described in this lawsuit, demonstrating Experians ongoing pattern of non-compliance. I respectfully request the CFPB to : Investigate Experians handling of my disputes and hold them accountable for violations of the FCRA. 
Require Experian to conduct a thorough reinvestigation of the SELF FINANCIAL/LEAD BA account and remove any unverifiable or inaccurate information. 
Impose penalties on Experian for their failure to comply with federal laws, as highlighted in the recent CFPB lawsuit. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action to address Experians ongoing misconduct and protect consumers like myself from further harm. 

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

On XX/XX/2018, I sent the attached letter to VW Credit Inc. as a  formal dispute of erroneous information on my credit reports. I clearly outlined specific errant information on each trade line with official screenshots from XXXX, XXXX, and XXXX. The letter was sent via XXXX ( Tracking number XXXX ). I verified that the item was received. Additionally, I received a phone call from a VW Credit supervisor confirming receipt and asking to discuss the matter. VW Credit has had sufficient time to mark my account on each of my credit reports investigating my dispute, however this has not taken place - despite the clear evidence of outlined errant reporting and inaccuracy. I don't understand why they are not abiding by the FCRA by marking my accounts in dispute. I don't wish to discuss the matter over the phone and prefer all communication in writing to ensure I have a clear paper trail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified account from XXXX XX/XX/XXXX 

Please see attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Closed on XX/XX/2023 XXXX  XXXX Closed on XX/XX/2023 XXXX  XXXX XXXX  Closed on XX/XX/2023. Fraudulent account an shouldn't be on my credit report they do not belong to me they where open fraudulent there fraud accounts
Product: Payday loan, title loan, or personal loan

Took our loan of {$2500.00} with biweekly payments of {$130.00} to pay for transmission through XXXX XXXX who uses a company called easy pay to finance. We struggled to make these payments biweekly and were able to come up with the payoff amount given verbally of {$2400.00} in XX/XX/XXXX. We then starting receiving messages around XX/XX/XXXX that the interest had continued to accrue as we did not pay the entire amount off despite being quoted that. We attempted several times to settle but the amount wanted was too high. Now they are asking for over {$1900.00} just in interest payments. I have sent three debt validation letters with no response, the last with the address given on my credit report, the letter was returned address not known, unable to forward. We never wanted to finance a transmission and could not afford to do anything but finance due to transportation needs. This company took advantage of us, we called and were given a payoff amount the money was immediately sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy showing on both my Transunion and XXXX credit reports. The bankruptcy is from XXXX XXXX and was filed in error and promptly dismissed in XXXX XXXX with no judgment ever being entered and bankruptcy never actually being declared. I have tried to have the item removed as even their investigations show the case dismissed in three weeks with no judgment but it still shows on the reports. An actual bankruptcy can drop off in seven years, this has persisted for six years and was never an actionable case. I have contacted both companies every three months since XXXX XXXX to no avail.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fradulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 120 180 ) days late on XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

While checking my credit report, I observed that account CAP1/XXXX  ( XXXX ) and CAPITAL ONE ( XXXX ) has records of late payments that are inaccurate, since I have always met my obligations. I have made multiple disputes regarding this issue, but the mark has only 'validated ' itself according to them, without offering certified evidence that I was indeed in default. Therefore, I am filing this complaint, as I believe the company is infringing upon the sections of 15 : 15 USC Code 1666b This code establishes that a creditor may not treat a payment as late on an open-end consumer credit plan account unless the creditor has adopted reasonable procedures to ensure that each periodic statement that includes the information required by section 1637 ( b ) of this title is mailed or delivered to the obligor no later than 14 days after the close of each billing cycle.
Product: Vehicle loan or lease

I submitted a XXXX to cancel the debt for a car loan that I got with XXXX XXXX. I tried contacting customer relations to find out the contact information for the person or the party responsible for canceling debt, but when I spoke with XXXX she refused to provide me with her last name as well as the contact information for the person or party that I should be sending XXXX XXXX of the XXXX to. So I am still being charged every month although Ive made several attempts to cancel this debt and I havent been able to get a response even though Ive mailed my XXXX copy B to the company, but I dont have the correct name or address to send my copy to.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a 3rd round of letters to all Credit Bureaus demanding to comply, investigate and delete inaccurate information that is finically costing me defamation. It is now 60 days later with no response and deletion of inaccurate results on my credit report I demand that all items be deleted due to the violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions