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

My account with XXXX was never late! I have had exceptional payment history with XXXX 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 Was 30 days late 2 time ( s ). 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: Student loan

When my student loans were switched from XXXX to Fedloan Servicing ( XX/XX/2017 ), somehow many of my PSLF qualifying payments were " lost '' in transition. I initially contacted Fedloan about this issue in XX/XX/2017 ... Two years ago. They put in a ticket and I was told I would be contacted when it was resolved. Since then, I have contacted customer service about 8 times and get the same answer ... It is still processing and continue to wait. I would really appreciate an accurate count of my PSLF qualifying payments. I have been working hard for years making payments. I believe it has taken an outrageous amount of time to process this. Thank you and hope it can be resolved soon.
Product: Prepaid card

I enrolled in American Express has premier shipping plan with a fee of XXXX $ so that I do n't need to pay shipping charges. I enrolled in 90 day trial. They are not supposed to charge during the trial but they charged XXXX $ when I called them they said they will refund the fee when I cancel within 90 days. 

I cancelled my plan within 90 days but they did n't refund my charges. When I called them to cancel they said they will refund in 15 business days and now it is past 15 business days and when I called them again ( I was waiting on the phone for 90 minutes ) they are saying they need to reprocess the refund. I am not sure whether I will really get the refund. 

There are two problems1. They are not refunding in timely manner ( they already crossed the time they mentioned in terms and conditions ) and I am not sure they will refund me. 
2. They are not supposed to charge during the trail but still they charged my account. 

I spent lot of time to track this and I am looking for compensation for my lost timeMy case number with AMEX is # XXXXMy order number that contains the Premier shipping charges is XXXX
Product: Credit reporting or other personal consumer reports

On XXXX Capital One Auto reported a Charge off/Collections and Late status onto my consumer report with a balance of {$9000.00} as well. I requested for the company to provide me with the original contract and I have yet to receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I was alerted by XXXX XXXX that a hard credit pull was completed by XXXX XXXX XXXX through Equifax. I created an online dispute with Equifax on XX/XX/2020 because I have NEVER used XXXX XXXX XXXX for anything, nor ever looked into any of their services. I received a response from Equifax stating that is was a legitimate pull. I followed up with XXXX XXXX XXXX on XX/XX/XXXX and they stated that my SS # is not in their system, nor do they have a record of me requesting any kind of credit through them. That, in fact, it should never have been pulled and should be corrected. I was told by that representative that they would send a letter to Equifax, but when I called on XX/XX/2020, Equifax had not received anything and they stated that I needed to call XXXX XXXX XXXX again. Upon doing so, I spoke to XXXX XXXX XXXX  's Fraud department only to be sent to another XXXX Fraud department. That department put me on hold for an hour, twice, only to pick up the line and then drop the line. I have not been able to reach anyone else and no one is able to help me rectify this situation. I value my credit, especially in light of the present situation where I may have to seek funding elsewhere to provide funding for my business. I would like someone to please rectify this as soon as possible, but I am getting nowhere with either entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX And my Information was stolen. Thieves are continuing to try and use my information to get goods and render services in my name. It has stopped me from getting a house and a car. I originally filed my fraud alert on XX/XX/XXXX. As of today, the fraudulent accounts are still reporting to my credit.And I don't Know why.. 

These Account are not mine and I have no clue how they got there. and its hindering me from progressing financially XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX   XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX bank XXXX XX/XX/XXXX {$190.00} XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} INQUIRY- XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX {$190.00} XXXX   XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} Please Remove these fraudulent accounts from my credit report. My information was compromise and I strongly believe my information was victimized by the breach. I do not know where the accounts came from nor did I open any of theses accounts. 

I am currently in the process of consulting with my lawyer on weather I not to proceed with a lawsuit if the accounts are not removed Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX XXXX XXXX Operations Manager XXXX  XXXX XXXX XXXX XXXX CEO CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX Executive Vice President Transunion Corp XXXX XXXX XXXX Director Fraud and Identity management Transunion Corp XXXX XXXX  XXXX XXXX Senior Vice President Enterprise fraud/ID Theft XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Corporate vice president chief legal officer XXXX XXXX XXXX XXXX
Product: Debt collection

Multiple calls a day received from a man that was rude and made threats. These calls started in 2019. Collecting interest on a debt that was not fairly communicated. I have paid the debt in full through the hospital.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX  CA XXXX XXXX XXXX
Product: Credit card

Hi, I filed for price protection for discover credit card. I submitted all the required documenation as per mentioned in price protection policy. However, they told me later i need to submit documentation pertaining to return credit from the same store for last 2-3 months. This was not mentioned in price protection policy and i did not save the return receipts. Discover customer representatives told me that they agreed that it is not mentioned in policy. I need to know why they are not honoring my claim if it is as per the policy.
Product: Checking or savings account

Numerous past CFPB complaints filed regarding missing funds from combined accounts including checking, savings, money market totaling the amount of {$140.00} from Discover Bank. As explained prior, Discover sent funds to XXXX XXXX as part of fraud claim in amount of {$690.00} several months ago in 2021. The amount does not cover claim and according to several reps in XXXX XXXX executive office, the check was not cashed, rejected back to Discover, XXXX XXXX does not accept partial payments such as this amount, {$140.00}. I attempted to explain this to XXXX with Discover Bank executive office, he claims instructions from XXXX XXXX show remaining funds in account ( XXXX ) with Discover to be sent to XXXX XXXX which does not match up with what XXXX XXXX in XXXX XXXX executive office stated, XXXX XXXX does not accept partial payments and check was rejected back to Discover, as stated prior ... XXXX  stated another check could be sent, in which case, I advised it would also not cash as is the same with prior check sent.. XXXX  and I talked in circles in re, I then made numerous attempts to speak with a manager in charge, numerous messages left with XXXX and XXXX, none returned... When I followed up, XXXX attempted to refer me to XXXX and or provide his number in which case, I attempted again to reach a manager by requesting one and leaving a message.. Numerous additional attempts were made to speak with a manager, additional messages left with XXXX as well... Most recently, I was able to get in touch with XXXX, a manager, unfortunately she referred me to current rep at the time handling CFPB complaint by the name of XXXX ... XXXXShe stated XXXX would reply in a few days ... Her reply stated a check in amount of {$140.00} was sent, however, it was not included in her reply.. Today, XXXX, I attempted to reach out to XXXX to confirm check sent and by which carrier either, XXXX, USPS XXXX XXXX XXXX etc XXXX I was told she is not in by XXXX, rep whom took call.. XXXX tried to imply check was expedited via XXXX in which case I advised I have no notification from XXXX showing a package or envelope from Discover Bank sent to me ... I am signed up for alerts with Fedex as well as UPS , when a package is sent or arriving, an email is sent showing me the name of shipper as well as tracking ID and expected delivery date... I've double checked and there is no package from Discover.. Needless to say, it appears information provided by XXXX is incorrect.
Product: Debt collection

I have had XXXX XXXX  consecutively every month since XXXX of XXXX. When moving from XXXX Delaware to XXXX Delaware, they ( XXXX ) transferred my services to the new address. I still have current services with them about {$250.00} per month, for some reason they reported me to collections for an amount of {$93.00}. They have been no help with this matter. I continue to ask them how is it I have current services if I had owed you {$93.00} from XXXX?
Product: Checking or savings account

Tried to cash a paper payroll check on Saturday XX/XX/XXXX the teller told me account was to new and could not cash it, when I got home from work I deposited it via the mobil app. As of today XX/XX/XXXX there is still a hold on my check. I have called boa several times and they are saying the reason is due to the check being a risk. I have contacted the employer ( owner ) who gave me this payroll check and he has told me and sent pictures stating that this check has cleared his account already and my bank has been paid. Due to this I had wrote a check for my rent prior believing the Money would be available. Now it's still not available I received a XXXX  insufficient funds fee and my landlord is charging me late fees. I do not have this money so I have to move out.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfilled its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit reporting, leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer provided evidence furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experiences, where Experian has neither corrected nor removed disputed items dispute.The evidence I provided, causing on going harm to my credit standing.I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

As previously stated they have duplicate entries on my report that are fraud. They have a fraudulent account and have reported a company lvnv funding that bought the fraudulent debt on my report. They XXXX use unethical and illegal practices there is no wonder my information is on the dark web. XXXX has my personal information/data that has been compromised and I am starting to believe they are not an independent reporting agency. I have called XXXX XXXX  and they say they never verified any information from XXXX. So why is it still on my report?
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN 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 in ( MONTHS REPORTING 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.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Transunion : [ XXXX ll, XXXX ] [ XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries appearing on my credit report, as I am a victim of a recent data breach. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts be blocked and removed from my credit file. 
The following accounts are fraudulent and were not opened by me : XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Additionally, the following inquiries were made without my authorization. Please remove these inquiries from my credit report : XXXX. XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Credit Acceptance have been paid in full however, they are reporting inaccurate information on my credit report and it needs to be removed. The company sold me a car that did not last 3 months and the vehicle broke down. The company has contacted me with misleading in wrong information and has violated my consumer rights. Due to this account and it's inaccurate information, this is hurting my credit report.
Product: Credit reporting

I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my right and is your liability. 

Your Comments from the previous and related dispute just filed on XX/XX/XXXX - are simply untrue. 

" Please be advised that Equifax will not respond to this complaint via the portal as we suspect that it may have been submitted using a credit repair company. The format and verbiage of this complaint is similar to many other complaints that we have received from consumers utilizing the services of a credit repair company or 'credit clinic '. To ensure the privacy of our response, we will send the results of our reinvestigation to the consumer 's current address utilizing our normal dispute process '' XXXX XXXX, Activity Designator Should be " Paid and Closed '' The Pay History should reflect only for the months in which this account was opened. 

When XXXX manually updated this Tradeline XX/XX/2015, the Pay History was space filled with NR. 

The Comments and the HC listed, are inaccurate as well.
Product: Credit reporting or other personal consumer reports

I disputed an account # XXXX WELLS FARGO BANK on XXXX XX/XX/XXXX  ( Report Number : XXXX ) I told the credit bureaus to " investigate every piece of information '' on the account I have disputed. 

According to the FRCA The term " investigate consumer report '' means a consumer report or a portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible when they did not provide me with contract details. Upon request they failed to provide me the original verified contract between me and wells Fargo, They failed to provide me details about accuracy in the report and continue to report inaccurate information on my credit report which is seriously hurting me. 
If they failed to investigate and failed to provide me with details about the account which I do not believe is mine, how can they blatantly violate FRCA 15 USC 1681 failure to provide information, failure to provide documentation and they are not reporting accurate information on my credit report, when according to the FRCA everything must be 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today if Friday, XXXX XXXX, 2017. I have tired to freeze my credit report at Equifax about 10 times over the past 5 days. I keep getting their error message or a message to try back later. Once, I got to the point where they wanted {$10.00} -- according to their web site there should be no charge for someone over age XXXX from my state. 

If they ca n't get their computers to work, it 's not surprising they were hacked. 

I was able to easily freeze my credit report via the web for the other two companies.
Product: Credit reporting or other personal consumer reports

There are these unauthorized inquiries that showed up on my credit report. I have no idea regarding them.
Product: Credit card or prepaid card

I had a AMEX Card and they were comprised due to Fraudulent Charges. They closed the accounts and they have not allowed me to get any credit with them since.