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

My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX 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 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 that are reported 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 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: Debt collection

On XX/XX/2021 I sent CAPITAL ONE AUTO FINANCE a US Postal Money Order with a CERTIFIED MAIL # ( XXXX ) constituting and satisfying all claims of that instrument, without recourse. ( attached to this complaint ) I understand that the note I sent, is a Secured Transferrable Negotiable Instrument meeting all requirements of U.C.C. - Article 3, as a Money Order. The Negotiable Instrument I presented to Capital One is under the authority of House Joint Resolution 192, Public Law 73-10, UCC 3-104 ( c ). 

Capital One Auto Finance received my Postal Money Order on XX/XX/2021 ( attached to this complaint ) Capital One Auto Finance ACCEPTED FOR VALUE and CASHED the Postal Money Order I presented to them by XX/XX/2021. ( attached to this complaint ) To my understanding, I have the right to ENFORCE this instrument according to UCC 3-301 [ PERSON ENTITLED TO ENFORCE INSTRUMENT ] I, in good faith tendered the instrument as full satisfaction. UCC 3-311 [ ACCORD AND SATISFACTION BY USE OF INSTRUMENT ] Capital One Auto has been in dishonor ever since. I have sent multiple affidavits to the CEO/CFO for acknowledgment of my Tendered Payment, and they have failed to respond and correct the issue at hand. They did not rebuttal any affidavit point for point. I sent them a CEASE AND DESIST affidavit on XX/XX/2021 to stop communication, collecting debts, furnishing any information to my consumer file. They've sent me mail anyway. 

I included this in the affidavits : Notice, it is a Fact, that, I, agent for principal XXXX XXXX and affiant, am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) and pursuant to 15 U.S.Code 1692c ( c ) I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein. 

Notice, it is a Fact, that, I, agent for principal XXXX XXXX and affiant, am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) I demand deletion from all consumer reports, clear out payment history, grant me my title lien free, do not close my accounts without authorized permission, do not seize or attempt to seize anything in my possession, remove all remarks or comments from my consumer report, zero out the balance on this account, cease and rescind us of my intellectual property, my signature. 

Capital One Auto has failed to honor any of my demands. 

I am now seeking remedy and help from the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was added onto this account as an authorized user in an effort to help with my credit score. I am not related to this individual, it was done through a company for me to make my credit score better. USAA Bank has been called by me several times for me to be taken off as an authorized user. Initially I was added on to help increase my  score. I asked to be taken off of the primary account because their balance started to go up and damage my utilization. This card account has never been registered, I have never even had a card to this account nor do i know the person personally. A business associate of mine arranged for me to be added on to help my credit. I asked them in XXXX to take me off and was told it was done and it wasn't. Every month since then it has hit my credit and they are using almost all of their card limit which hurts my score. I have sent the attached documents into USAA on more than one occasion, on XX/XX/2019 and again today on XX/XX/2019 with no resolution. USAA says they can not take me off the account and take it off my report unless the primary calls in. I am unable to reach the primary and i want off of this acccount asap. USAA has yet to help me with this. They mentioned the user blocked the card ( which it was already blocked ) but never deleted me off. I need help.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & delete these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX  Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XX/XX/year>
Product: Student loan

Submitted my PSFL form and was notified on XX/XX/XXXX that my Federal Unsubsidized loans have met the XXXX loan repayment. No further action has been taken on my account to move this loan and show it as forgiven with a XXXX balance and have it show a XXXX balance on my credit report.
Product: Debt collection

On XX/XX/XXXX I XXXX XXXX contacted Receivables management corp about unconsented and fraudulent information that's being reported on my credit reports with XXXX, XXXX and XXXX. After I requested verification of the alleged debt a representative refused to send me any documentation. I am a victim of Identity theft and this information that is being reported to XXXX, XXXX  and XXXX  was unconsented and is a result of identity theft. Receivables management corp has violated my right to privacy pursuant to 15 USC 1692d ( 1 ) and 1681a ( 4 ) and I did so without my consent pursuant to 15 USC 1681b ( a ) ( 2 ) and has damaged my reputation and defamed my character. I have filed and Identity theft report with FTC in this matter. I have also sent an affidavit of truth stating the facts and citing all violations that were done with attached exhibits signed and notarized under the penalty of perjury, a cease and desist demanding they do not contact me through any and all mediums pursuant to 15 USC 1692c. ( C ) along with invoking my specified remedy as a consumer and original creditor pursuant to 15 USC 1692c. ( C ), a debt validation letter and an invoice for the 17 federally protected consumer rights that were violated under 15 USC 1692, 15 USC 1681, 15 USC 6802 and for actual damages of reputation and defamation of character sent via certified mail on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau report a late payment on my credit to all bureaus on XX/XX/22. I have dispute multiple times and the credit bureau refuse to remove this late payment. but I did Make my payment on time I have my statement as proof that my payment was made, the credit bureaus refuse to remove my late payment and this is violation the credit law.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a recent data breach and that the following accounts have been fraudulently opened or accessed due to this breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be blocked and deleted from my credit report.

Please find below a list of the accounts that require immediate attention : Accounts to be Blocked and Deleted : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$41000.00} XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$170.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$160.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$230.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Amount : {$820.00}
Product: Student loan

In XX/XX/XXXX-XX/XX/XXXX I attended school at XXXX XXXX in XXXX, CA. While making payments on the two loans I had with XXXX XXXX ( now Navient ), my payments we not applied properly. I had written checks for the sum of the two loans, writing both account numbers on the check to be disbursed evenly, but the money was only applied to one loan. This continued to happen for over a year, without any correction by the lender. This resulted in delinquent payments, increased interest rates and constant harassment. I contacted the lender dozens of times to correct the problem and/or apply a credit to the other account based on the difference and nothing was done. Upon falling behind on payments, I was offered to put my loan ( s ) into deferment/forbearance without detailed explanation as to how that affected my loan and how the interest would continue to accumulate. I was NEVER suggested an income-based payment plan. Not a single time. It is now XXXX, I have paid 1 loan off and I have tried to apply for a repayment plan, but I was told I do not qualify because my account was current. The interest was well over 10 % and was told I could n't receive help unless my account was delinquent. So, I had to let my account fall behind again, severely impacting my credit score just to try to apply for that repayment plan. I now have been trying to contact Navient about my account and have been told my information does not match what is on file with the company! Apparently, my SSN and DOB do not match their records, yet they have no problem reporting me to credit bureaus, tanking my score and eliminating my eligibility for 3 Federal jobs I applied for because of my " delinquent accounts ''. Navient has done nothing but put me into the deepest financial hardship I could imagine and I can not foresee digging myself out of this hole without help from the CFPB.
Product: Checking or savings account

I am writing to file a complaint against Navy FEERAL CREIT UNION regarding multiple overdraft fees I have incurred. despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with recent CFPB findings against. NAVY FEDERAL for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe the practices are unfair and request and investigation into my account transactions,
Product: Credit reporting or other personal consumer reports

Experian is in violation of Deprivation of Rights Under Color of Law and Ethical Breaches. These actions have resulted in the deprivation of constitutional rights of survivors of XXXX XXXX, in violation of Title 18 U.S.C. 242. I have an advocate from XXXX XXXX XXXX who has assisted my affairs as a victim of XXXX XXXX. Experian has not abided by the laws and regulations set in place under 605C. I am requesting an investigation on this matter as soon as possible and for my file to be blocked in the time permitted under the DBRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I have a collections account on my profile that should not be there. I contacted the company many times trying to resolve and get the collection removed but to no avail so i'm reaching out to CFPB in hopes that this can be resolved quickly as it is causing major issues for my mortgage loan. I have a short window to get this resolved before the bank makes the final decision and my family is depending on me to provide. XXXX XXXX I, XXXX claims i owe {XXXX and that is incorrect! Collection opened XX/XX/2018. 

Thank you in advance for clearing this up so that my family and I can get the mortgage loan needed to provide a safer environment for our children.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX ( Original Creditor : ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there was a medical bill reporting to my credit and I believe that medical bills were supposed to be private information and I never gave out my medical information to any collection companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was totally unaware the XXXX would report this as a debt. In fact they were still billing me the monthly fee with said account as of last month. 


Fee charged this month :. 
XX/XX/23 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$19.00} This was actually a savings loan or credit building loan with my own funds. I went to the app and my funds I put in the account are gone. 

I like XXXX but this is shady. Please remove this collection because this is not a loan. I do not owe them any money on this collection. Thank you very much for your help.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I obtained a loan from XXXX on XX/XX/XXXX for my taxi business. The money was deposited by XXXX into my Capital one personal checking account on XX/XX/XXXX which was the only account I had at the time. I now need the money to close on the XXXX for the taxi on Monday but I am being told by the bank that my account has been flagged. I was asked to submit my taxes and business documents for investigation and I did that on XX/XX/XXXX. I tried to find out when the investigation will be completed but the bank is unable to give me a definite date. I called XXXX on XX/XX/XXXX to find out if there were any issues with the loan and I was told by XXXX that the bank had no right to hold on to the money. I called capital one on XX/XX/XXXX to check on the status of the investigation but was told that they had no date. I need the money to close on the XXXX  by Monday or I will lose the XXXX  and I will not be able to get another XXXX  for the same price as the price of XXXX  keeps increasing. All my income is deposited in this account and I am unable to access the funds. I can not even withdraw money for my personal needs or to take care of my family. I will appreciate it if you can assist me to resolve this issue.
Product: Credit reporting or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

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

my last student loan was in XXXX. Those with XXXX XXXX were privately funded and should be removed as having expired. The balance on all loans should be XXXX, as all loans were discharged in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I noticed three student loans account on my credit report. I am not the owner of these accounts because I have never used my SSN to open a student loan account. I have contacted this company but they did nothing about it. 

The name of theses account is XXXX XXXX XXXX. 

Account 1 : Account no is XXXX, balance is XXXX Account 2 : Account no is XXXX, balance is XXXX Account 3 : Account no is XXXX, balance is XXXX
Product: Student loan

This complaint involves Nelnet At or about late XXXX or beginning of XX/XX/2022, Nelnet took over servicing of my student loan ( from XXXX ). 

I have opted to pay while in school, and this was never a problem with XXXX, which ALWAYS properly applied payments! 

After it was transferred to the new servicer ( Nelnet ) on XX/XX/XXXX, I made a {$100.00} Payment ( via Nelnet.com ), which was taken from my XXXX checking account ending in XXXX. The Nelnet confirmation number is XXXX, and this is supposed to be applied to Nelnet XXXX Account XXXX. 

On XX/XX/XXXX, the payment posted ONLY to my checking account ; however, it was NEVER credited to my Nelnet account. 

I placed two ( 2 ) phone calls to Nelnet the first being at or about XX/XX/XXXX, and the last call being XX/XX/XXXX. Both sourced from my ( XXXX ) XXXX number with the purpose to inquire about getting the payment credited. 

The first phone call promised a call back, which did not happen. Both prone calls promised resolution, which has not happened. 

Thus far Nelnet has taken my payment but NOT credited my loan. It has been 14 days, and I have made an effort to have Nelnet resolve this, and they failed. 

Attachments : Nelnet Payment.jpg ( Scanned payment printed Nelnet website after making payment ) Nelnet XXXX Screenshot.png ( Screenshot of my XXXX checking account showing payment taken out ) Nelnet Loan Details.png ( Screenshot from Nelnet website showing this student loan ) Nelnet Payment History not Showing.png ( Screenshot from Nelnet website showing no payment history despite me making a payment that was taken out )
Product: Credit reporting or other personal consumer reports

DAKOTA FINANCIAL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX I didnt applied for anything from this company but they checked my credit score.

I want dispute the enquirer as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I sent a dispute letter notifying Experian of inaccuracies and violations in their reporting of an account on my credit report. I requested deletion due to grossly inaccurate reporting of the Date Of Last Activity, spanning across 4 years from XXXX to XXXX. Experian was notified that re-aging an account is a violation in regards to my request for deletion of the disputed account. Experian responded that the account has been Updated and Verified without deletion or correction of violation. 

On or around XX/XX/XXXX I sent a 2nd dispute letter to Experian questioning the result of the 1st dispute returning as accurate and updated. I disputed continued inaccurate reporting of the Date Of Last Activity, re-aging of an account, and again informed Experian to delete for continued reporting violations 6 weeks after the first dispute. Experian responded that the account has been Updated and Verified without deletion or correction of violation. 

On or around XX/XX/XXXX I sent a 3rd dispute letter to Experian requesting deletion of the same account to Experian, informing them of multiple FCRA violations that they were blatantly committing by reporting Past Due amounts on a collection account. Experian continues to report Past Due amounts 3 years after closure of the account and responds to dispute stating that the account has been Updated and Verified. 

On or around XX/XX/XXXX I sent a 4th dispute letter to Experian requesting deletion of the same account for inaccurate reporting between bureaus showing the same account as Charged Off and 120 days Late simultaneously. The inaccurate reporting continues without deletion or response. Despite errors, Experian states that the account again is Updated and Verified. 

On or around XX/XX/XXXX I sent a 5th dispute letter to Experian requesting deletion of the same account for violating the Fair Debt Collection Practices Act by reporting Late Payments after the account has been closed. Reporting of this account continues in XXXX, 3 years past closure of the account. Experian has refused action for violations regarding this account through 5 disputes and 6 months time and responds stating the account is Updated and Verified.