23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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: Vehicle loan or lease

The week or day of XX/XX/XXXX, I was told by Kia Motors finance customer service representative to friendly render ( reposess-give back ) my XXXX XXXX XXXX although my car payments were up to date. The dealership big red sports and imports mistakenly financed the vehicle in my XXXX mother 's name rather than adding her as my cosigner and wouldn't correct the error and told me that after 6 months of payments that I would be able to call Kia Motors finance and that they would put the account in my name in which that was invalid and didn't happen, I was told that I would have to go to the dealership and refinance in my name and attempted to before ( 6 months of payment history ) and after my mother passed away XX/XX/XXXX and they resorted to offering a new vehicle sale, not to refinance. I sent XXXX with Kia Motors finance my mother 's death certificate and was made aware in XXXX of XXXX by the XXXX XXXX back-office that since there was not a power of attorney, the vehicle couldn't get placed in my name and that since the title was transferred over to me due to the vehicle being for my use and the payments were up to date and made by me since the account opened on XX/XX/XXXX that my name and mailing address, contact/profile information would be updated to my information and to continue to make payments as usual in which I did prior to being told to give them back the car by customer service. My car payment wasn't due until XX/XX/XXXX, customer service told me to friendly render the car on XX/XX/XXXX and I left it at a XXXX dealership on XX/XX/XXXX and advised XXXX XXXX XXXX XXXX XXXX  along with his XXXX XXXX customer service verbally, by chat/instant message & their online portal the location of where I left the vehicle for them to reposess ( friendly render ) per their request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, like most student loan borrowers, were under the government forbearance ( still in place till XXXX ) so did not do anything to stop my payments from being active again. I found out just this month that my loans were not under the mandated forbearance and my loans are now in default over 90 days. Apparently my federal loan had been sold/purchased by XXXX and they did not tell me that my loan did not qualify - I still have not gotten a straight answer from them as to why my loan does not qualify. I did, in early XXXX, file a forbearance on my own on top of the mandated forbearance just to be covered once it ended, but XXXX does not show that my request was ever processed. When I discovered my credit reports show 90 days late, I immediately called XXXX to have them undo it, they refused and said I should just dispute it with the credit bureaus. The total amount of the loan with XXXX is {$7300.00}, credit report shows that I am 60 days late in XXXX and 90 days late as of XXXX of 2023 ( current for some reason in XXXX ). Again, XXXX did not ever tell me that my federal student loan did not qualify for the government mandated forbearance and they did not process my submitted document to request my own forbearance!
Product: Credit card

I have yet to receive reward points from Apple 's credit card through Goldman Sachs during the months of XXXX, XXXX, and XXXX. I initially noticed something was off when my balance remained stagnant in daily cash ( where rewards are deposited ). After reaching out with concerns, I started receiving points moving forward again, but the amount owed was never credited. I spend XXXX  per month, which amounts to a nice lump of rewards. 

I have now tried working with Apple and GS over 4 times. Each time I get told how they will create a case and resolve the issue. Each time I follow up I am told there was no case ever created. Each rep gave a completely different story and proposed resolution. 

After realizing this was a legitimate attempt by GS to deny points earned through delay tactics, I closed the account and paid off the balance owed that day. I was a cardholder for years, and after this experience, I would tell anyone to avoid Goldman Sachs no matter what. 

As I write this report, I was just issued my first confirmation that a case had been opened. I initially stated I would file a XXXX  complaint. After realizing they are not accredited, I stated I would file a complaint here. That is what it took for them to open a legitimate case.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I transferred XXXX money transactions to my daughter via XXXX from my bank account to hers. She never received the money. I immediately contacted my bank, they advised me there was a 3 day hold on the money. I waited the XXXX days, she still never received her money. I called and open a claim, I was advised to wait the 7 days. I called after the 7 days, I was advised my claim was approved they could see that the money went to a different phone number as well as the money was deposited into a XXXX XXXX XXXXXXXX account, my daughter banks with XXXX XXXX XXXX. I would be receiving my money back within the couple of days. Waited another couple of days called back to be advised my claim was denied and referred to XXXX. I then called XXXX who advised me they couldn't help me. I then XXXX way called Chase and XXXX ONLY for both of them to tell me there was nothing they could do. I've escalated this and continue to get the same denial information. My daughter is programmed in my phone with her current phone number, she changed her phone almost a year ago. According to Chase my money was sent to her previous phone number. I truly don't understand how this is my fault. I sent the money to the phone number that I call every day, text and have XXXX  money to for the past year. I DID NOT SEND MY MONEY TO HER PREVIOUS PHONE NUMBER. Please help me. Chase is trying to make this my error and it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX and Experian to remove two government over payment debt accounts from XXXX XXXX XXXX XXXX from my credit report. XXXX has decided not to remove the account from my report and dispute with Experian is still pending. These two government over payment accounts should not be reported on my credit report, because they did not arise from an agreement or contract to pay. According to the CRA agreement, which resulted from the investigation of the CRA 's by New York State Attorney Genera, XXXX XXXX XXXX, states : " The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay. '' It also goes to state : " CRAs shall implement a process designed to remove from the CRAs ' respective credit reporting databases any existing data reported by Collection Furnishers relating to the collection of debt that did not arise from a contract or agreement to pay. '' Both of the above named accounts apply to this, and would like them removed from my credit report. I will attach the mentioned agreement with the statements pertaining to this matter highlighted in yellow. 

The dispute reference number for the XXXX dispute : XXXX
Product: Debt collection

I had purchased windows financed through XXXX XXXX Bank for the amount of {$10000.00} around XXXX. I made payments, until the economy started collapsing, my daughter lost her job and I was trying to support XXXX households, so I made sporadic payments when I could, knowing this was a legitimate debt that I owed, even though the home had been foreclose on, it was still my responsibility to pay. I received in XX/XX/XXXX what was presented as a summons for a lawsuit filed in Washington State XXXX Court as an attempt to collect a debt, from Machol & Johannes , LLC. The date to respond had passed before I received it. There is no court stamp. However, since I did owe the debt, I called them, and we set up payment arrangements. The balance owed was {$11000.00}, plus interest, and costs of the action, etc. I spoke to XXXX XXXX and was told that if I started paying immediately, no finance charges would accrue. The amount now owed was {$13000.00} I have been paying on this account since then, there have been some missed payments, however I made them up with double payments. Each time my records show I am close to payoff and I call them, now speaking to XXXX XXXX, the payoff amount is usually double or triple what I think it should be. I have as of this date paid a total of {$16000.00}. Not counting the amount paid to the original loan holder. I 'm now told that I my payoff balance as of XXXX XXXX is {$6800.00}.
Product: Student loan

Hello, I am filing a formal complaint in news of the Navient/ XXXX XXXX lawsuit. From the dates, XX/XX/XXXX to XX/XX/XXXX I was unable to make any payments on my loans due to my financial status. I was working XXXX jobs and barely could make ends meet. I was told by at the time XXXX XXXX that my only option was to go into forbearance which I did every 3 months until I was making enough to make some of the payments, I have never missed or went into late payment history I knew that would be worse in the long run for me. What I did NOT know is every time I put my payments " on hold '' XXXX XXXX/ Navient was added thousands of dollars onto my interest charges during that time span. To this day I struggle making my payments. I make decent money but never seem to get ahead and in turn has resulted in thousands of Credit Card debt due to my student loan payments being so high. I hope this complaint helps me and others come to some type of justice. Thank you, -XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I cancelled my service after having them a year due to the lack of service of cable always going in and out. I called there customer service department and they really did not care requested a box and sent the cable box and control back and they are still saying i owe them like XXXX. That is not true and they are ruining my credit. I have called them and they do not even get a response from them. i have as well submitted a letter and they have not even sent me a letter to acknowledge that i wrote them,
Product: Money transfer, virtual currency, or money service

I was the victim of an imposter scam involving my XXXX checking account and Zelle involving XXXX separate transactions with posting dates between XX/XX/XXXX and XX/XX/XXXX ( see below ). I went to XXXX to dispute the charges and provided all the information required under Regulation E, Section 1005.11 ( b ) ( 1 ) to provide proper notice. The gentleman at the branch told me that the Zelle charges were not eligible for reimbursement and that he would submit the others as disputes. I inquired again about the Zelle charges because I understood that Zelle had announced that it would be reimbursing imposter scams, but was told again that the Zelle transactions were not subject to reimbursement. 

Zelle announced in XX/XX/XXXX in response to Congressional and other inquiries that it would reimburse customers for imposter scams. Notwithstanding, XXXX indicated that the Zelle transactions could not be reimbursed and Zelle does not provide a method to seek reimbursement directly through Zelle. I filed a complaint through the CFPB against XXXX and did not have a positive outcome. I am now filing this complaint against Zelle for false representations to the public and Congress regarding reimbursement for imposter scams. Zelle should be held to live up to the public representations and promises it has made about these types of scams. 

XX/XX/XXXX Zelle payment to XXXX XXXX XXXX XXXX  DEBIT XX/XX/XXXX Zelle payment to XXXX XXXX XXXX XXXX XXXX  DEBIT XX/XX/XXXX Zelle payment to XXXX XXXX XXXX XXXX  DEBIT XX/XX/XXXX Zelle payment to XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed a revolving credit card account on my Equifax report from XXXX XXXX that lists me as an Authorized User on an account that has been closed by the credit grantor. I have contacted XXXX XXXX regarding this matter and they are unable to locate this account in my credit history. Nevertheless it appears on my credit report and is showing an account that is in excess of XXXX late. I am not familiar with this account nor have I been an Authorized User on any accounts via XXXX XXXX or any other credit cards. This has greatly affected my credit report and score and I am requesting that this matter is resolved immediately so that I can attain a positive credit score and rating. I have attached a copy of the credit report so that one is able to see the negative information that is reflected on the account.
Product: Credit reporting or other personal consumer reports

THIS LETTER ISNT COMING FROM A CREDIT REPAIR AGENCY THIS LETTER IS COMING FROM A HUMAN A MAN IM NOT A ROBOT AND I TAKE MY LIFE VERY SERIOUSLY. I HAVE RECENTLY DISPUTED THE REFERENCES # XXXX & # XXXX BANKRUPTCY THAT XXXX XXXX ARE REPORTING ON MY XXXX, EQUIFAX & XXXX CONSUMER REPORTS XXXX XXXX XXXX STATED THEY WERE UNABLE TO IDENTIFY MY IDENTITY IN MY FIRST DISPUTE CLAIMNG MY INFORMATION WAS FRAUDULENT. I HAVE UPDATED MY INFORMATION WITH XXXX XXXX BY MAILING MY IDENTIFICATION ( DRIVER LISCENSE ) AND ( PROOF OF ADDRESS ). I ALSO HAVE A RECORDED PHONE CONVERSATION WITH ONE OF YOUR AGENTS. OK LETS GET TO THE MATTER AT HAND. THE ADDRESS THAT WAS FILED ON MY BANKRUPTCY WAS XXXX XXXX XXXX XXXX XXXX, GA XXXX. MY CURRENT ADDRESS IS THE ABOVE ADDRESS UNDER MY GOD GIVEN NAME. XXXX XXXX CLAIMED THAT I AM DISPUTING THAT THE BANKRUPTCY WASNT MINES THATS NOT TRUE. WHAT I AM DISPUTING IS THE FILING OF MY BANKRUPTCY ON MY 3 CREDIT REPORT WITHOUT MY AUTHORIZATION. YOU STOLED MY DATA, MY PUBLIC INFORMATION, AND PERSONAL INFORMATION WITHOUT MY WRITTEN CONSENT ACCORDANCE WITH 15 USC 1681a ( 2 ) AND PLACE IT ON YOUR PLATFORM. I HAVE NO ACKNOWLEDEMENT OF YOUR CORPORATION AND NO CONTRACTS, NO WET SIGNATURES ON ANY CONTRACTS. I DONT HAVE ANY DEBTS, FINANCIAL STATESMENT OR PROMISSORY NOTES WITH YOU COMPANY I HAVE ALSO PLACE A FREEZE ON MY LEXIS NEXIS ACCOUNT SO WHY ARE YOU CONTINUOSLY UPDATING THESE REFERENCES. SUCH AS COURT RECORDS OR ANY AND ALL PUBLIC RECORDS ON MY CONSUMER REPORTS!!!! THIS IS CLEAR VIOLATION TO METRO COMPLIANCE! IM DISPUTING THIS ITEMS AGAIN! PLEASE REMOVE THE FOLLOWING REFERENCES ABOVE FROM MY XXXX, EQUIFAX, AND XXXX XXXX REPORTS IMMEDIATELY. SINCERELY, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm.
Product: Credit reporting or other personal consumer reports

I am submitting this statement as a victim of a data breach that has resulted in the fraudulent use of my personal information. Pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting that all accounts and records created or reported in connection with this fraudulent activity be blocked and permanently deleted by the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I went to XXXX XXXX  XXXX XXXX MN to get a car. Upon arrival, I signed a loan application. In the application, it stated that the company ( XXXX ) would disclose who my application would be given to, to access my credit report. This information was not given to me at the time, and my credit report was accessed by several financial institutions all across the United States, without my consent. The dealership, ( XXXX XXXX  XXXX XXXX ) failed to honor the loan application, and therefore violated my rights within the FCRA. When speaking with the manager of the company, she informed me there was nothing they could do. Attached is a copy of the original loan application. The company clearly states the information, ( who accessed ) my report would be provided. Neither the person who received my application, nor the finance manager offered this information to me.
Product: Debt collection

I filed a complaint two times. The first time IQ Data International stated that is going to send the proof of debt. I did not receive this information. After waiting and no response from IQ Data International. I sent a certified letter. After a couple of weeks, IQ Data International returned my certified letter unopened as a certified letter ( attached ). This item has been on my report for over one year and I have been unsuccessful in getting this issue resolved. The three credit bureaus reporting agencies continues to report even after my dispute of not having the ability of verifying the debt. This defaming information is unverifiable. 
The one of the two CFPB complaints were closed automatically. The reference numbers are XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX, 2019 Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i received a notification from my credit card company as well as XXXX XXXX that a " Hard Inquiry '' was done on my credit report. It's been almost 4 years since i purchased a car from the CNAC finance company and since I've worked with them i have not authorized the company to pull my credit report to purchase a new vehicle. 

I called into CNAC and they have no knowledge of anyone pulling my credit report and said that they would need my authorization to access my credit. 

The hard inquiry has lowered my credit score and i have not been able to get an answer as to why a credit check was done without my permission.
Product: Debt collection

On XX/XX/2024 I sent a dispute letter to Bridgecrest for an alleged deficiency balance they are claiming that i owe. I have request from them that they send all verification for this alleged debt. They have committed several violations pertaining to this alleged debt ; including failure to set pre-sale letter, failure to send post sale letter, reporting to Credit Reporting Agencies without proper notification, and failure to send the proper calculations report showing how they came up with the deficiency balance just to name a few. I have ask them to cease and desist all collection activity, including all credit reporting, which they have failed to do as well. I have asked for validation and they have failed to do so, which means the debt is invalidated and should not be being reported nor do they have the authorization to collect on this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX, a XXXX XXXX XXXXXXXX account was opened under my name that I was not aware of. Ive disputed this multiple times with XXXX XXXX XXXX and Early Warning services however they refuse to remove from my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Experian are in violation of consumer law codes ( 15 USC 1666B ) & ( 15 USC 1681a ) I did not authorize nor gave my consent for these late payments below to be reported to my credit report This information is incorrect and is against the consumer law. Nor was I notified regarding these late payments no notifications have been sent regarding these late payments I demand that these late payments be removed immediately. Also, I demand that XXXX XXXX, XXXX and Experian show proof that I gave my consent for these late payments below to be reported to my credit report. 

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

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

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

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

Recently I contacted the XXXX credit bureaus XXXX, XXXX, XXXX requesting my annual credit report and I realize that the company named ERC with address XXXX XXXX XXXX, XXXX, FL XXXX .And I realized that this company is trying to collect XXXX dollars in the name of XXXX XXXX Where I did not time authorized XXXX to share my personal information such as my social security, my date of birth and my first name and my last name with any collection company including ERC. Therefore I need ERC to erase my information from their records and stop trying to collect the amount of XXXX dollars, since I never signed any contract with them, where I authorized them to have my personal data to satisfy its business. Therefore and others I demand this company remove my data from their files, so that I do not have to see myself in the obligation to take legal action, since in the past I was a victim of identity theft