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

My account with XXXX XXXX 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 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 XXXX  days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 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! Delete the late payments from my consumer reports
Product: Mortgage

On XX/XX/2019 I received a notice of assignment from XXXX XXXX naming UBS Bank as the new servicing bank. ( attached ) On XX/XX/2019 I had my bank send a payment using the information in the notice of assignment to UBS Bank and the money was debited from my account. ( attached ) On XX/XX/2019 UBS Loan history starts. That is why my payment may not have been credited. 

On XX/XX/2019 I sent a message to UBS Bank asking them to credit the payment. ( attached ) On XX/XX/2019 I called UBS Bank and confirmed the mailing address and account number. 

On XX/XX/2019I received a statement not reflecting the payment. ( attached ) On XX/XX/2019I had the following chat with UBS Bank. ( attached ) UBS has failed to provide timely answers when I did everything as they requested.
Product: Credit card

My credit card company, Wells Fargo, does not state an end of a billing cycle date. I have been told by customer service that the billing cycle is 30 days, most months. Since Wells Fargo does not list which months will not have a 30 day billing cycle, I do not know the exact date of the end of a monthly credit card cycle. By not disclosing the exact end date of a billing cycle it is difficult to manage my expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax website regarding their data breach on XX/XX/2017 does n't function properly. I get difference answers about whether my data has been compromised or not when I check at different times.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report. The account in question is listed as follows : * Creditor Name : XXXX * Inaccuracy Details : incorrect date of last payment, incorrect date of last active, incorrect date of last reported, incorrect date opened, incorrect account status. I have previously contacted your bureau regarding this issue, but the inaccuracy remains unresolved. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information reported on my credit file is accurate and complete. You have broken my rights under the consumer law 15 USC 1681e ( b ) Duty to Provide Accurate Information. Please confirm receipt of this letter and provide written verification of the actions taken to address this dispute. I trust that you will handle this matter with the urgency it requires. Thank you for your immediate attention to this matter.
Product: Debt collection

I was seen at XXXX XXXX  XXXX to receive stitches in my hand. I provided my insurance information to the XXXX. I received a co-pay bill from the hospital for {$170.00}, which i paid. Then received a bill from the doctors office later on. XXXX XXXX XXXX XXXX XXXX, who said it showed that I was self pay. I informed them that this is incorrect, and provided them with my insurance information. I was assured it was taken care of. I then received a collection bill from RMP Services LLC. I reached out to RMB Services and relayed the same information with my insurance information, and was assured that they would settle the debt with XXXX XXXX XXXX XXXX. After financing a vehicle, I noticed that the debt had gone to my credit report. I contacted the credit bureaus today and filed disputes, as well as again contacting RMP Services and speaking to XXXX. I gave him my health insurance information, and he assured me that they would go through XXXX XXXX XXXX XXXX to address the insured debt. At this point, I've contacted both agencies numerous times via phone, and received no resolution. I now have a collection reported to my credit that was handled before the debt ever went to collections and no one seems to have any information to assist. Honestly unsure how to proceed from here
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX  TRAFFICKING WHICH IS ALSO THE RESULT OF IDENTITY THEFT. AFTER BEING A VICTIM OF XXXX  TRAFFICKING THE PREDATOR USED MY INFORMATION WITHOUT MY PERMISSION AND ALSO WITHOUT MY KNOWLEDGE. I HAVE ALREADY SENT OUT A LETTER TO THE CREDIT BUREAUS IN REGARDS TO THE FRAUDULENT ACCOUNTS AND INQUIRIES DONE IN MY NAME WITHOUT MY CONSENT WHILE BEING A VICTIM.ALSO HAVE SENT IN SUPPORTING DOCUMENTATION ACCORDING TO THE FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per letter dated XXXX XXXX, 2017 I requested that they Validate this with the Bankruptcy Court and provide me with copies of any documentation associated with this account, bearing my signature. I formally requested that this information be immediately be deleted from my credit file that they maintain under my social security number if they can not provide this information. They have not provided this information or any other information bearing my signature as to the verification of there process. Per the Fair Creditreporting Act Section 611 ( a ) ( 1 ) ( A ) they had 30 days to provide the information which they have failed to do. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ) they are required by  federallaw to verify - through physical verification of the original signed consumer contract and/or judgement ( s )  - all accounts and public information that they post on anyone 's credit report. I am requesting that this Bankruptcy be DELETED NOW. They have failed to respond in a satisfactory manner within the 30 days of receipt of the certified letter and as a result I will be filling a small claims actionagainst XXXX Credit Reporting Agency. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation : 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an erroneous collections from XXXX XXXX XXXX Hawaii XXXX XXXX XXXX XXXX XXXX. I paid this out of pocket and my insurance paid the balance. I've already explained this to Equifax and they refuse to remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reporting Jefferson Capital Systems XXXX XXXX XXXX, XXXX XXXX XXXX XXXX My name is XXXX XXXX and there reporting I owe XXXX from an account that is not mine and I have no recollection of this account or where this came from I contacted and spoke to a representative about this issue and they admitted on a voice recording that they dont have proof to show that I owe this debt now under law and the fair credit reporting act Im requesting that they remove this account from my credit if they dont have proof that this is mines and they admitted also on recording they dont have proof which is breaking the law.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts 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 creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for the American Express Blue Cash Back card as they were offering a promotional deal - {$150.00} statement credit after you spend {$1000.00} in purchases on your new Card within the first 3 months. I was approved for the card and made over {$1000.00} in purchases in the first 3 months. 

I have not seen the promotional credit still as of XX/XX/XXXX. I have communicated with American Express multiple times. They have claimed to investigated the issue ( ID XXXX ) and determined the offer was not available when I applied. I do know that the offer has been around since at least XX/XX/XXXX, and is still available on their website today. 

American Express has also acknowledged a problem with my account failing to accrue any rewards points for my purchases. They have offered to credit me 1 % of my purchases. I decline this offer, as I am entitled to the {$150.00} statement credit offered, which is what got me to apply for their product.
Product: Checking or savings account

XX/XX/year> USAA decided to discontinue banking relations with me. Did not include a reason but explained they are exercising the rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instruction. The company reported late
payments to my credit profile without taking proper action to ensure reasonable procedures were in place for me to receive statements at least 21 days in advance. Therefore, they are in direct violation of 15 U.S Code 1666b. 15 U.S Code 1666b 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 ) o
f this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

My reputation, credit, and mental health have been negatively affected due to this unlawful violation from this company.
Product: Credit reporting or other personal consumer reports

Took out a personal loan with XXXX  and paid in full as agreed, yet they have reported the loan which was paid in full as delinquent 15 days after it was paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

M & T Bank is reporting to XXXX that I had a returned transaction on XX/XX/2022 in the amount of {$0.00} and the reason is " other item ''. The phone numbers that are being reported are incorrect. I've never had either of these numbers
Product: Debt collection

My brother died on XX/XX/2022. As a courtesy I notified XXXX XXXX XXXX death. 

XXXX has hired XXXX XXXX  to collect the debt of {$370.00} and they have put it on my credit report. 

I called XXXX Accounts to notify them of the issue and never received a response. I also filed a dispute with XXXX. XXXX stated " The company that reported the information has certified to XXXX that the information is accurate. '' I have provided information showing that my brother is the person listed on the account, and his address was the service address. I have provided information that I am in fact not my brother, and that I live at a different address. Further, I am executor of his estate.
Product: Vehicle loan or lease

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Student loan

I was on a interest-only graduated repayment plan from approximately mid XXXX to late XXXX. At approximately mid-XXXX XXXX I received the billing for my XX/XX/XXXX payment and was told that my payment would be going from approximately {$190.00} to {$830.00} beginning XX/XX/XXXX. I thought it had to be a mistake as well I did not have the mental bandwidth to address the billing at that time and I thought I would call before the due date to get my payment adjusted since I knew I was on a graduated repayment plan. I called on XX/XX/XXXX and was told that the payment could not be adjusted, that the next step in the graduated plan included full principal and interest beginning XX/XX/XXXX. I explained that I am not working and hadn't been working all of XXXX but had been making interest payments which is what I could afford. I was told again that the payment could not be adjusted but to wait one week until the payment went past due to see if " the system '' would let the representatives make an adjustment. I did wait a week and called back and " the system '' wouldn't let an adjustment be made. This happened to be the very same day that Biden paused repayments on federal student loans. The representatives I spoke with were not sure why they couldn't make an adjusted payment schedule for me but were certain that their " system '' wouldn't allow it. I am writing because to go from a payment of {$190.00} to $ XXXXon a graduated repayment plan, particularly during a pandemic when federal student loans have been paused or otherwise very easy to make arrangements with is insane. To have my payment go up more than 400 % in the span of one month on a graduated payment plan is intended to put me and my family over the edge financially and otherwise ruin my credit. This will cause a severe hardship for us. This shouldn't be legal. I would like Sallie Mae to offer a reasonable graduated repayment option.
Product: Checking or savings account

A wire was sent to my account on XX/XX/XXXX and again on XX/XX/XXXX. Each time, Chase, without notice or information provided, held the funds and refused to release the funds into my account despite receiving confirmation from the sending bank. I believe this hold to be founded in XXXX discrimination practices within the bank, based on several customer service interactions I have had dating back to XXXX XXXX, and the bank continues to refuse to release these funds to my account and evade providing additional information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 



XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

I am XXXX years old. I own XXXX homes without mortgages. I own XXXX cars without loans. I have substantial money in the bank. I have XXXX credit cards which never have a balance carried forward. The balance on the cards is paid in advance of the due date. I have XXXX years of credit history with no negative reports. TransUnion is taking my XXXX XXXX XXXX Bank credit card balance that is never carried over and is paid wel in advance of a due date to calculate my credit score. TransUnion will not explain why this is done and why it is only done on XXXX of the XXXX credit cards I use. I requested that TransUnion take my credit report and show me how they arrived at my XXXX credit score. My score goes down each month. I have had no credit inquires. My credit use is the same each month, with no balances. TransUnion has failed to provide this information. Credit scoring discriminates against senior citizens who have generations of good credit history but no longer have loans, mortgages or carry credit card balances. The credit reporting and scoring companies will not and can not explain how my personal credit score is determined and why it continues to go down. This score impacts negatively on the rates I pay for insurance. Credit scoring companies force citizens to have a credit score that impacts their financial transactions but they will not and can not take an individuals credit report and explain how the credit score is calculated or why it continues to fall when there have been no credit transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with my credit and also have had 2 other repairs companys on my side.. All three reporting companys still have not done all they are spose to do as in deleting and updating info and reporting info when i apply for new items they still list me as in late reporting no new accounts etc and delting hard inquires that i have not done i have 77 on one 50 on another and 70 on the other and accounts that are at XXXX balances
Product: Credit card or prepaid card

Credit card Company XXXX XXXX by synchrony bank Has issued cards to fraudulent persons using my name address and personal info And bill me for the fraudulent charges on the miss issued cards How many times you drive to resolve the issten times I have attempted to resolve the issue with the credit card company with the aid of XXXX XXXX XXXX With no results We have spoken with their fraud department at least 10 times since for the last 3 months with the help of XXXX. Each time we talk to someone that's supposed to be able to resolve the issue it is a different person and very seldom they keep notes or refer to the last person we talked to this has been gone over and over again with no results and XXXX has helped with each conversation but still without obtaining any results
Product: Debt collection

Police report filed many years ago this account was included in the police report. This account was removed from my credit previously with the help of CFPD. However this account was sold to Oliphant recently. I notified Oliphant in writing with zero response & over 30 days ago. I am filing a 2nd dispute with XXXX to remove this account. It was not mine. It is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an Experian member ID XXXX. Experian is reporting a Medical debt from XXXX XXXX in the amount of {$500.00}. XXXX XXXX has been paid and stated all three credit bureaus have been contacted and to update and delete. XXXX  sent me a letter stating deletion. Will attach. Only Experian after disputing refuses to delete. 
Experian has 2 inquiries on my credit report past 2 years old. Online Experian states can not dispute online. I have called numerous numbers can not get a real person on the phone. 
Experian has recently reported a late payment from XXXX on XX/XX/2019. I have not had XXXX for 4 years. No contact with XXXX. They have allowed XXXX to report this now my account has been reset to XX/XX/2019. There is no contact or payment arrangement with XXXX. Yet Experian continues to update.
Product: Vehicle loan or lease

My complaint is NOT about any of the items I checked. My complaint is concerning a used ( almost new, still under warranty ) XXXX XXXX XXXX XXXXXXXX I purchased XX/XX/XXXX. I purchased the vehicle in XX/XX/XXXX and XXXX XX/XX/XXXX the engine had problems. The dealership kept for 3 and half months before saying they repaired it. But to this day, it is not repaired. My vehicle has been in the repair shop 4 times for the same thing. At this point it is a Lemon and the worst thing about it I am still paying for it. It is just sitting in my garage with the engine light on, not usable. I am requesting advice before letting it go back. Doing this will ruin my credit. This is not fair to me because it is a manufacturer issue, and I believe they need to make it right. Please, please help!! I am paying almost XXXX dollars loan, and insurance for something I can not use for service. Please respond with some kind of resolution as this is taking a toil on me mentally. 

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

I am XXXX XXXX, the original creditor, natural person, and consumer. When we entered into this consumer credit transaction on XX/XX/2017. I extended them credit therefore, the finance charge was paid for the entire balance. After the finance charge is taken if there is a open ended credit transaction there is security interest left. Which is suppose to be given to me. But they mislead me to think that i had to pay them. Whenever a open ended credit transaction is entered that information is suppose to be disclosed. Which means its fraud. then they infringed upon my privacy and sent information over to consumer reporting agencies without my written consent. Now they are reporting this to my consumer report which is fraud because I didn't give them consent to have my information and or put it on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and an FTC report for fraudulent accounts and hard inquiries. 

Experian - XXXX  {$1600.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX {$7900.00} XXXX XXXX XXXX {$3900.00} XXXX  - XXXX {$1600.00} XXXX XXXX {$670.00} XXXX  - XXXX XXXX {$36.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX