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

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


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

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


XXXX TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed there were fraudulent accounts open along with multiple addresses i have never lived in, inquiries and names listed on my credit report. I have filed a FTC report # XXXX and I will attach it along with proof of my address and this address that should be only address on file. I have NOT lived at the other address or have any knowledge of those accounts. And inaccurate names being listed on my credit report. I have the right to have my consumer credit report complete and accurate. 

I have listed the accounts that are not mine on the FTC report. I will also put them below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Number : XXXX ] incorrectly reported late payments in XXXX and collection items on my account in XXXX and XXXX. 

Synchrony Financial XXXX XXXX turned my account over to XXXX XXXX and locked my online account so that I could no longer pay online. In the transfer to XXXX XXXX, XXXX XXXX did not provide my SSN, incorrectly changed the last digit of my credit card number from an XXXX to a XXXX and left off the Unit # in my address, so that I was also not receiving paper billing notices. 

When I called XXXX XXXX XXXX XXXX was transferred to XXXX XXXX, but they were not able to locate my account or verify an account belonging to me because of the incorrect information ( no SSN, incorrect XXXX #, and incorrect address ). 

XXXX XXXX XXXX XXXX report XXXX, XXXX, XXXX, and XXXX  days late to the credit bureaus in XXXX, XXXX, XXXX, and XX/XX/XXXX. There is no information on my credit report until the account was turned over to a XXXX XXXX in XX/XX/XXXX with the same incorrect information as before. 

I continued to call XXXX and XXXX XXXX, but neither company was able to tell me the Collection Agency the account was turned over to. The mail was finally forwarded to my correct address and the XXXX XXXX XXXX XXXX in full. 

I should not have to suffer the consequences of late and collection information on my credit report because of the incompetence of Synchrony Bank. I have disputed this information with the credit bureaus, but the credit bureaus decided in favor of the bank because they were not aware of the extenuating circumstances that caused me to miss payments on the account. 

Please remove the XXXX, XXXX, XXXX, and XX/XX/XXXX late payments on my XXXX XXXX account as well as the late payments when the account was turned over to Collections ( XXXX and XX/XX/XXXX and XXXX, XXXX, and XXXX XXXX ) for a total of XXXX ( XXXX ) separate negative items.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, This complaint is in relation to a credit account this creditor ( XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Credit card or prepaid card

I HAD A BRAND NEW CREDIT CARD ACCOUNT WITH CITIBANK NOT EVEN 2 MONTHS LONG AND OUT OF THE BLUE THEY HAVE DECIDED TO CLOSE MY ACCOUNT. I HAD FILED A DISPUTE WITH THEM FOR SOME TRANSACTIONS THAT WERE UNAUTHORIZED. THEY NEVER RESPONDED OR CREDITED MY ACCOUNT. I RECEIVED A LETTER ALL OF A SUDDEN SAYING WE FREQUENTLY REVIEW CARDMEMBERS REPORTS AND THAT MY REPORT SHOWED A NUMBER OF REVOLVING ACCOUNTS WITH BALANCES? FIRST OF ALL I KNOW THIS CANT BE RIGHT? SECOND OF ALL I DID NOT GIVE THEM PERMISSION TO REVIEW MY CREDIT REPORT ANY TIME THEY FEEL LIKE IT! I GAVE THEM PERMISSION TO ACCESS MY REPORT WHEN I APPLIED FOR CREDIT.
Product: Money transfer, virtual currency, or money service

I am trying to pay my rent with Venmo. My Venmo account is verified. I have 2 bank accounts linked. I am however no longer able to send funds from my primary account. It simply gives me an error that says " Payment Declined. Please try again. ". Venmo says this is due to their algorithm believing it is a fraudulent charge. They offer no support and no way for me to verify the transaction. I am a legal and legit users. Venmo is such a big part of our society these days, and this is effectively preventing me from being able to make many digital purposes. It is unacceptable that Venmo wants to be considered a legitimate financial institution, but can't resolve simple issues like that. Please help me! Thanks, XXXX
Product: Debt collection

THE OHIO ATTONEY GENERAL IS SAYING THAT I OWE DEBT OF XXXX FOR UNEMPLOYMENT, I NEVER WAS ON UNEMPLOYEEMENT, THEY TOKE MY STATE TAXES OF THE AMOUNT {$730.00}. they need to refund That money back to me. my money was taken on XX/XX/2024 for a debt that does not belong to me. know this Reliant capital solutions llc. is theaten me to garnished my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, I have an unauthorized hard credit inquiry on my credit report I do not recognize and would like to have removed from my credit report. 

Attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where it is located on my credit report Please have this unauthorized hard credit inquiry removed as soon as possible.
Product: Credit card

I have a credit card through USAA and the Master Card payment can be done online. I made a payment and I was charged XXXX thus leaving me with a {$1900.00} and change credit which subsequently created an overdraft because I also have pulled {$6700.00} out to buy a truck. I have been speaking to several respresenatives XXXX, XXXX, XXXX, XXXX and a few others I can not remeber and still can not seem to get a hold of anyone who can give me a straight answer with realistic expectations. I 've ask to speak with management and was then transferred to USAA 's Executive Resolution Team who still couldn'y help. I asked to just speak with a manager and was told that was a 24 hour wait time, I suppose because at my point I 'm extremely irratated. I believe if USAA has the ability to accept an electronic payment or take money out of your account under their direct payment options, yet they claim they can not reverse the payment. So if an error is made regardless of the facts or situation, the customer will have to wait XXXX to 10 business days to be refunded the money. So fortunately I have savings, but what happens to the individual who gets this error and they do n't have money in the bank? {$1900.00} is many families two week take home pay check and USAA believes families can just skip a pay check! Worse during this process USAA has called " today '' and told me the card was compromised and has been locked so I can not even use the card to get the credit off the card. Lastly my bank charged me an over draft fee.
Product: Credit card

A dentist charged us for XXXX weeks prior to the operation by completing a CareCredit application. The office manager explained that we qualified for a promotion however when we received the bill from Care Credit there was no indication that we qualified for any promotion and they had already charged us % XXXX interest on the {$4000.00} charge. Additionally, I have found that we were charged, not only ahead of time, but for procedures that were not necessary and that were never performed. The dentist refuses to accept correspondence on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, Please remove this spelling of my name on the XX/XX/2023 credit report - it is spelled wrong : XXXX XXXX Attached to this complaint are : - Section in Experian report which displays this wrong spelling of my name - My drivers license for ID and address - My social security card
Product: Debt collection

This debt was paid in a settlement to XXXX  XXXX XXXX in XXXX of 2020 yet still reported as late and unpaid. I am only responsible for half of this debt and have a divorce decree I offered to provide documentation however was told I was still liable for the debt. I then asked if I could settle the debt since it is currently affecting my credit score. I have yet to receive anything in writing however the account was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX! 

You have been provided identity theft documents and police report several days ago and failed to remove these from your credit files! 

I will sue you in court for failure to follow the laws Identity theft collections accounts : 1XXXX XXXX XXXX XXXX : {$1000.00} 2. XXXX XXXX XXXX : {$85.00} Remove immediately!

Also, you reporting a medical collection that I do not consent to and it has been reported as identity theft fraud and it is a medical debt that is under {$500.00}. Under the fair credit reporting act, no medical bills are allowed to be reported under {$500.00} and this {$85.00} charge / medical bill should be removed immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 

XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX {$0.00} I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 

XXXX XXXX XXXX XXXX, XXXX {$0.00} I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 

XXXX XXXX XXXX XXXX, XXXX {$0.00} I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 

XXXX XXXX XXXX. XXXX, XXXX {$0.00} I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 

XXXX XXXX. XXXX XXXX {$0.00} I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 

XXXX XXXX XX/XX/XXXXXXXX. XXXX, XXXX {$0.00} I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 

XXXX XXXX XX/XX/XXXX {$0.00} I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute to in regards to incorrect items on my credit report. It's been well over 30 days and i haven't any investigation results.
Product: Debt collection

SENT SEVERAL DISPUTE LETTERS, REGARDING AN ACCOUNT THAT WAS OPENED UNDER MY NAME/INFORMATION, BUT THERE WAS NO RESPONSE, AGAIN MY I SUFFERED FROM IDENTITY THEFT, AND THERE WAS NO RESPONSE WITHIN 45 DAY I DID NOT RECEIVE ORIGINAL DOCUMENTS REGARDING THAT ACCOUNT, THAT CAPITAL ONE ACCOUNT IS STILL ON MY REPORT
Product: Credit card

I am trying to close a Citi account. I have been given the run around for an hour and when they said they couldn't close the account they gave me another card. I feel this is quite illegal. I spoke with XXXX and many others. I was transferred to customer care and still nothing. There was one run around after another. I can not cancel this card. Please contact Citi because this seems highly illegal
Product: Debt collection

XXXX XXXX XXXX began sending a statement in XXXX of XXXX which stated that I didnt send back equipment from XXXX  XXXX XXXX XXXX . I spoke to the customer service representative along with their supervisor and advised them I did send the equipment back. I even went as far as giving them the return reference number, serial numbers of returned equipment, and the date and location in which I returned the equipment. 

They assured that they would clear this up and it would not be reported on my credit. 

I was sent a collection letter from XXXX  on XX/XX/XXXX. Called XXXX XXXX XXXX again on XX/XX/XXXX and they assured me theyd clear it up again. 

It is now XX/XX/XXXX and I received a notice from XXXX that I now have a collections from Seqium collections. I called Seqium and theyve placed a dispute on the account. 

This is ridiculous!
Product: Vehicle loan or lease

I leased a Hyundai XXXX and turned it in early because I had a new baby and the vehicle has very limited cargo space. I turned it into a local dealer for a larger vehicle in early XX/XX/2021. Hyundai Motor Finance serviced this lease and I was enrolled in XXXX. On XX/XX/2021, Hyundai Motor Finance took a lease payment out of my account for {$390.00}, although I had already turned in my former car nearly XXXX weeks prior. I called them and they indicated they hadn't received the buy out information from the dealer, but I would get a refund within a month or so. I never received this, so called them back. This began a huge runaround with them for the last 4 months in which there is never any movement on my refund. They indicate that nobody from payments can call or email me and can not give me any timeline for my refund. I have to continuously call them for any updates, but nothing ever changes. They acknowledge they owe me the money, but I am left waiting for months. I really do not know what to do, there is no accountability and nobody will contact me with any updates.
Product: Credit card

XX/XX/23 signed up for TJX Rewards Platinum Mastercard ( last XXXX XXXX ), but did NOT use at checkout ( XXXX, North Carolina location ). 
Did not receive the credit card. Instead, received at letter from Synchrony Bank dated XX/XX/23 indicating there was a charge to the account, but they believe it XXXX not be me. " With our {$0.00} Fraud Liability benefit, you're never responsible for unauthorized charges. '' I called the number listed on the letter ( XXXX ) on XX/XX/. Spoke to XXXX in their Specialty Department. Account was " compromised ''. They would handle it on their end, close the account, and not to worry about it. Will receive a confirmation in 7-10 business days ( did not receive ). 
XX/XX/23, XXXX, I called back and spoke with XXXX XXXX She confirmed the account was closed, but the charges were still there, including late & interest fees. I was transferred to XXXX, Acct Mgr in Fraud Dept. Investigator assigned to me. To clear all, receive confirmation in mail ( did not receive ). 
XX/XX/23, I had not heard or received anything from them. I filed a complaint with XXXX. 
Then they closed account, but left the balance with interest and late fees accruing. They are texting and calling me while I am at work. Not me, never used, they can't follow through with what they said they would do. They should listen to the recorded calls!
Product: Debt collection

On or about XXXX, XXXX the Best Service Company entered into the Victims XXXX Credit Report claiming an alleged debt was owed to them in the amount of {$1200.00}. Victim contacted the BSC on XXXX XXXX, XXXX via United States Post Office, Certificate of Mailing XXXX, with a letter of validation asking the BSC to provide proof of this alleged debt. To date the BSC has not responded to the Victims request for proof/validation. BSC has entered derogatory information into the Plaintiff 's Credit report and has continually updated this information by adding unauthorized interest and late charges through today 's date. The Plaintiff has verified with XXXX on or about XXXX XXXX, XXXX that they have confirmed that The Best Service Company has verified to them that the information is correct. The Debt Collection Practices Act states a debt collector must cease collection of a debt it they are asked to provide validation and must provide that validation or cease collection activity. BSC has not ceased collection activity by entering into Victims credit report on the following dates, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX, XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, and has violated the LAW under Fair Debt Collection Practices Act 15 USC Section 1601, et seq and The Fair Credit Reporting Act 15 USC 1681, et seq by updating and knowingly reporting erroneous and damaging information to the Credit Reporting Agency XXXX XXXX damaging the Victims Credit Standing, Reputation and the Victims Credit Report. Recourse is demanded through the LAW as outlined in Fair Debt Collection Practices Act 15 USC 1601, et seq and Fair Credit Reporting Act 15 USC 1681, et seq.
Product: Payday loan, title loan, personal loan, or advance loan

I went into the XXXX XXXX dealership in XXXX md and picked out a personal car. I told the sales man ( XXXX ) that I want to do consumer credit transaction for this vehicle. so I submitted a purchase order bearing my autograph, name birthdate and social security number, which shows I am of legal age to enter into a contract, and gives equity in contracts and agreements. the definition of equal is defined in law. the ecoa prevents companies from discrimination. the finance guy came out to talk to me about my income. I told him that I have revenue, to which he stated do you have any proof of money? I thought it was weird. he went into his office and was communicating with some people, and came out and said they asked two banks Bank of America and ally banks. neither Bank of America XXXX XXXX XXXX sent me an adverse letter I the mail. which is a violation in itself.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX was purchased from my husband and myself by XXXX XXXX XXXX in XXXX, Missouri on XX/XX/XXXX with a PERFECT payment history. This morning, XX/XX/XXXX, I woke up to emails notifying me that my credit has been utterly destroyed due to a false delinquency report from Ally Bank. Ally acknowledged by phone during separate calls with my husband and myself that they had record of the sale/purchase on the date of XX/XX/XXXX as well as a payment attempt made by the auto dealership that purchased the vehicle, which they say they rejected due to the dealership failing to complete some vehicle inspection for them, a grounding. This is absolutely NO fault of mine or my husbands and we certainly do NOT hold any financial responsibility for a vehicle we do not own. There was absolutely no legal or practical grounds for Ally destroying my excellent XXXX XXXX of XXXX, bringing it all the way down to XXXX overnight knowing that my husband and I do not own the vehicle, which they already have the money for. My husband was told that they have the money for the vehicle in a holding account of some sort, but have not applied it to the vehicle account due to this inspection or grounding that they are waiting for from the vehicle owner, XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. We received absolutely NO communication from Ally regarding any issues with the account because they were aware that we were no longer the vehicle owners, yet they still opted to destroy credit scores that we have been working very hard on for years now. The vehicle in question appears to have already been sold, as the listing on the dealerships website states the vehicle is no longer available for purchase. We need our credit reports and scores restored immediately, and Ally is responsible for making that happen, as they opted to do the wrong thing in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete these hard 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 ( Finance ) - XXXX XXXX XXXX XXXX  ( Finance ) - XXXX XXXX XXXX ( Miscellaneous ) - XXXX XXXX XXXX XXXX ( Finance ) - XXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX XXXX  XXXX ( Hotel and travel ) - XX/XX/2022 XXXX XXXX ( Finance ) - XXXX XXXX XXXX  ( Bank ) -XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I have submitted several disputes with Experian to remove a foreclosure account with XXXX XXXX XXXX. I have submitted the statement that XXXX sent to other credit reporting agencies which removed the foreclosure from my credit report but Experian refuses to do so for unknown reasoning. Federal law states : A foreclosure stays on your credit report for seven years from the date of the first missed payment that led to the foreclosure ''. The statement clearly shows that it has been more then 7 years since the first missed payment.