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

My account with 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 in those account 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 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 card or prepaid card

I purchased some furniture from Big Lots 2 years ago for {$2500.00}. They offered XXXX percent financing for 2 years. I set up automatic payments on XXXX 's website of {$100.00} per month. All XXXX payments were made on time. My XXXX and final payment was made just a few days after the promotion period had ended. 

Apparently I made a mistake about when my last payment was due. I had a balance remaining of {$100.00} to pay it in full at the time of this complaint. It has been paid. 

When I saw that my statement balance had increased by {$1200.00} I immediately went to the website to see what wrong. I thought perhaps my card had been compromised. When I looked at the most recent statement ( I signed up for paperless statements ) I realized that the sudden balance increase was deferred interest. 

I immediately called XXXX to pay the remaining {$100.00} and have the huge interest charge reversed. They refused. They told me my XXXX statement contained a notice that the promotion period would end next month ( XXXX ). 

I have no reason to look at my paperless statements because I always make my payments on time. 

The interest charged is more than 50 % of the original purchase amount. I want the deferred interest reversed in full so I can close my account.
Product: Consumer Loan

Under financial hardship and XXXX with both left and right XXXX as well as receiving social security benefits, I needed to find means to pay off household bills, rent, car insurance, life insurance, outstanding medical bills, etc. and when I saw the television commercial from LoanMe.com for an installment loan, I applied over the telephone. And was given a {$2500.00}, it was not stated up front the amount of interest to be paid on the loan at 138.63 % ( Overall finance charge of {$11000.00} ). The shock for me when I received the LoanMe, Inc. Promissory Note and Disclosure Statement was the full amount without added Late fee to pay off note was ( {$13000.00} ). The offer for taking the loan was an encouragement for accepting it because without immediate family support, even extended support from siblings to be self independent financially this was I thought a sound option. But when at my age I 'm unable to find suitable employment outside of my failing health it has been merely trying to survive to pay my rent, buy food, and other life means to not become homeless. I do n't understand why a financial lending institution would charge such high interest and payments to a retiree receiving social security benefits. Afterwards when income becomes even more deflated calls almost daily from various telephone across the country as my caller ID shows even to the trickery of making " Unknown '' or " Private '' numbers. I find that the settlement repayment down over the phone is without an end date and even more so the payment is painfully high. I need some relief, but I do not know who or where to turn.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I discovered an account with XXXX XXXX that I never opened or authorized. I am a victim of identity theft and did not receive any physical card. I immediately filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this fraud. I have also previously requested debt validation from the collection agency handling this account, but I have not received adequate verification of the debt. I am requesting that the credit reporting agencies investigate and remove this fraudulent account from my credit report.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG PAYMENT HISTORY WRONG DATE OF LAST PAYMENT RECEIVE WRONG COMMENT ON TRANSUNION SUPPOSE TO BE THE SAME AS XXXX ASKED FOR PAY DOCUMENTS & they sent charges TO THE ACCOUNT NOT MY PAYMENT SUCH AS BANK NAME OR ROUTING. This is a violation THIS ACCOUNT HAS BEEN RE-AGED XXXX different DATES THIS ACCOUNT SAYS I HAVE A MONTHLY PAYMENT ON XXXX BUT NOTHING ON Trans union WRONG CREDIT LIMITS ON BOTH CREDIT BUREAUS Send payment from XXXX cause i have XXXX dates on payment received should only be on last payment date & not charges to the account bank name or route number Payment history is invalid or incorrect/ inaccurate. XXXX + XXXX on transunion XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on my credit report 90 days on transunion & 60 days on XXXX different worst payment different last reported & different last payment. No account type. Im sorry but this account inactive doesnt want to update please delete this account for frca rights 90 DAYS LATE ON XXXX & 60 DAYS LATE ON XXXX THIS ACCOUNT IS INACCURATE COMMENTS ARE WRONG ON XXXX & NO ACCOUNT TYPE ON XXXX BUT XXXX HAS IT & I ASKED FOR last PAYMENT & THEY SENT ME CHARGES NOT MY BANK INFORMATION OR ROUTE NUMBER DEBT NUMBER SOMETHING NOT NO CHARGES BUT THIS ACCOUNT CONNOT BE VERIFIED Please delete both account due to incorrect inactivity inaccurate information I just want these accounts deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Account # # XXXX I have attempted to dispute this account various times and each time the dispute returned as verified, reported accurately. I have even mailed in a method of verification for this account and have recieved nothing but an updated credit report each time. No response as to how, why or what they used to verify this account is accurately reporting, let alone that this account able to be reported to my credit file per FCRA. I have mailed this company multiple times asking for validation and each time the they have either failed to respond or have not produce anything showing such. You will see in my letters dated XX/XX/XXXX and XX/XX/XXXX that I have repeatedly made these offers. XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/XXXX however as a courtesy I gave them another 17 days to respond which they did not. This settled the matter, once and for all, on XX/XX/XXXX. It seems to me that there is no original instrument of indebtedness in existence, which again settles the matter legally and financially. As of the date of this letter XXXX XXXX XXXX, I still have not received an instrument of indebtedness. I hereby request that you would remove Acct # XXXX. Also attached are a copy of the letters i sent, as well a certified mail receipts and return receipts showing that these letters were sent and received.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

My insurance company deem my vehicle as total around XX/XX/2024 I was informed I had to wait for my insurance company to inform them which they did, not I can't get gap to pay off my vehicle so I canget another vehicle today my account is overdue by XXXX months I paid XXXX statement XXXX but my car was total in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached letters with this complaint. 

First of all - both XXXX and Equifax failed to re-investigate the dispute as requested. They apparently said that they are " allowed by law not to re-investigate '' which is straight out a lie and very deceitful ... 

According to Section 1681 - they have to re-investigate the items that I've attached and remove them immediately. They have the burden of proof and need to provide me with everything that I need in terms of accuracy - which includes documentation bearing my wet ink signature :
Product: Mortgage

We received a mailer from XXXX XXXX XXXX regarding a streamline FHA refinance. After discussing with the mortgage lender, we began the process with intentions to close on the new mortgage in XX/XX/XXXX. We were told by the mortgage lender throughout the month to not make our XX/XX/XXXX payment as that would affect the payoff of our existing mortgage. As the end of the month got closer, we again asked if we should go ahead and make our XX/XX/XXXX payment and were once again told no that it would mess up the closing and payoff of our existing mortgage. We were able to close on XX/XX/XXXX with the payoff scheduled to be wired on XX/XX/XXXX. 

We subscribe to credit monitoring service and noticed early XX/XX/XXXX that the loan had not been paid off, was showing 30 days past due and our credit score had dropped significantly. We contacted Ditech ( our existing mortgage holder ) and were told that the payoff was posted on XX/XX/XXXX. We explained that the wire was sent on XX/XX/XXXX and the loan should have been paid off. We were informed that the wire department was gone for the day and that we would have to call back. We tried calling back several times, each time having to speak to a different person and explain our situation over again. We were put on hold and spent as much as an hour or more on the phone with still no resolution. 

During this time we also tried to contact our mortgage lender repeatedly. We left messages, sent emails, and got no response. Once we received a letter regarding our first payment, we were able to contact someone at XXXX as it included a specific person and their contact information. We found out the lender that we worked with on the refinance was fired and that was why were not getting responses. I explained our situation and they said they would get right on it and work with the title/closing company ( Equity Settlement Services ) to get resolution. I have since called 2-3 times a week to check on the status, but no progress has been made. This has been going on since mid-XX/XX/XXXX. 

We have spent countless hours calling and trying to resolve this issue with Ditech and XXXX. When I have asked for documentation of the wire that was sent for the payoff, I was told that they may not be able to give me that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted proof of Payment to the credit bureau showing that the account with XXXX XXXX XXXX was paid in full and should be removed. The company instead changed the status to charged off as bad debt which is incorrect. I submitted my paid receipt and I am also attaching it here for your records again. This account is not charged off it is paid in full.
Product: Debt collection

On XX/XX/year> I sent a letter by mail asking XXXX XXXX with XXXX XXXX XXXX of XXXX XXXX to send validation of the debt they claim I owe within 30 days because according to ( FDCPA ) if the request has been received within 30 days from the date of your receipt and they don't respond, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I listed my correct address at the bottom of letter sent and signed. I then contacted XXXX XXXX by phone which she stated she received my request but instead delivered it to a totally different address even seeing my correct address listed at the bottom of the letter well after the 30 days. I believe because of this all all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately according to FDCPA. 
I have proof of all the letters sent to XXXX XXXX and the recording of the phone conversation is proof she admitted she received my letter and sees I listed my correct address and signed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, ( CFPB Complaint # XXXX ) I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. 
However, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611.

FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : 1. Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law. 
2. Confirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I keep requesting for Equifax to remove XXXX XXXX XXXX from my credit report. the company keeps sending them requests to add it back. I check my Equifax reports daily through my account with Equifax. I keep seeing the XXXX XXXX XXXX account opened and reporting it constantly.
Product: Credit card

I noticed that there were two unauthorized inquiries on my credit score. I was not aware of these inquiries until I tried to apply for a credit card today, was denied, and checked XXXX. The unauthorized inquiries were on XX/XX/XXXX. One was CAP ONE NA and the other was XXXX XXXX. I am not sure if this XXXX have affected my application for the credit card that I authorized a hard inquiry on XX/XX/XXXX ( XXXX Credit Card ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I called Equifax informing them that they are reporting inaccurate information on my consumer file/credit report. On XX/XX/2021 I sent Equifax an Affidavit of Truth. Also requesting that the inaccurate information be removed from my consumer file/credit report. As of today, I have not gotten a response.
Product: Debt collection

I have previously submitted documentation and successfully had these accounts removed from other credit bureaus. However, they continue to appear on your report, causing ongoing damage to my creditworthiness. I want these fraudulent accounts to be remove as what other bureaus have done. I am confused how these accounts keeps on persisting on your report when other bureaus already fixed the issue. Account Information : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$21000.00} and XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}. It is perplexing and unacceptable that your bureau persists in reporting these accounts, which not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also hinders my ability to secure credit and financial stability.
Product: Debt collection

Wakefield & Associates claims to have spoken with me on XX/XX/2019. This is FALSE. They have collections on my credit profiles in the amounts of {$1100.00}, {$1100.00}, {$1600.00}, {$1100.00}, {$660.00}, and {$1300.00}. They claim that I owe these amounts to XXXX XXXX XXXX. I've asked them to provide signatures as proof. They haven't because they can't. I have never been to that medical facility in my life as I've not been to a doctor in a few years. I don't owe anything and this debt is not mine.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/2024 to XXXX XXXX XXXX to opting out if my information being shared with any person, entity, or institution and to be effective immediately and indefinitely!!
Product: Debt collection

Received a call on my answering machine from Arcadia Debt Resolution claiming I owed money On Thursday XX/XX/2021 I returned their call at XXXX XXXX  and asked how they obtained my unlisted number and what was this call was about as I have never had an unpaid bill The representative was XXXX would not provide a last name or employee number and he insisted I provide personal information before he could tell me what this was all about. I stated he should have all my info furthermore I have an XXXX credit score and monitor my credit reports I informed him if he could not discuss the issue without disclosure of my detailed info ( ssn etc ) I would terminate the call which I did I feel this was a scam and research into this firm I noticed there were numerous complaints against them
Product: Credit card or prepaid card

Westen union NetSpend. I have account with them in XXXX of 2022 they took XXXX $ from my account they said to cover a delinquent balance on an old account with them. I explained to them I had the other card but never used it never accessed online nothing. They said that money was deposited to the card and withdrawn to a debit card ending in XXXX or something like that. I don't have a debit card ending in those numbers they stated XXXX told them it's obvious someone hacked the account and took that money. They should trace the name associated with that debit card they would see it's not me. I want my XXXX $ back. They should never have taken it without contacting me to see if it was me making that transaction.obvious it's not me. Acct # is XXXX.