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

My account with EQUIFAX 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 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.
EQUIFAX 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, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : OFFICE OF THE ATTY GEN XXXX Balance : {$19000.00} US DEPT ED XXXX Balance : {$7500.00} US DEPT ED XXXX Balance : {$2700.00} US DEPT ED XXXX Balance : {$4000.00} US DEPT ED XXXX XXXX : {$1600.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting

I used XXXX and noticed an error on my Experian generated XXXX XXXX XXXX loan account - it said I was 90 days late - which I never was. I went to dispute it with Experian. Experian asked me a bunch of questions which I answered correctly, then I received a message that my request could not be processed and they demanded a copy of my driver 's license. First of all, I do n't know who these people at Experian think they are, demanding a copy of my driver 's license ( which I absolutely REFUSE to furnish to them ), but also they are holding me hostage by willfully reporting erroneous information and refusing to allow me to correct it unless I give them my driver 's license. Unbelievable! This is n't the first time Experian has done this to me. I reported a similar issue to the CFPB a few years back. Fine them and punish them, please!
Product: Money transfer, virtual currency, or money service

To Whom It May Concern : Fact : I am and have been a XXXX XXXX XXXX  for over XXXX  years. 
My license is with XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. 

Issue : On Wednesday, XX/XX/2023 I received a commission check in the amount of {$12000.00} from XXXX XXXX  XXXX XXXX, XXXX the title company that did the closing on a house sale from their business account with XXXX  XXXX in XXXX XXXX, Florida. 

On Thursday, XX/XX/2023 I went to the Chase Bank, XXXX XXXX XXXX XXXX in XXXX XXXX, Florida and deposited this commission check into my personal checking account. 
At the bank I was told by the Chase representative that she would be to able to release {$220.00} into my account and then the balance would be available and cleared into my account by Tuesday, XX/XX/XXXX as this was bank policy. I accepted the terms. 

On Wednesday evening, XX/XX/XXXX I checked my account only to find a statement in my bank ledger that the funds would now not be available until Tuesday, XX/XX/XXXX. 

I immediately called Chase and was told there was a problem with the bank check from the title company and the funds would not be released and to call back in the morning to the Check Hold Dept.at the XXXX number. 

Then on the next morning, Thursday XX/XX/XXXX, before calling Chase, I received a letter from them stating they now placed a hold on my deposit as " The information we have indicates the deposited check may not be paid. " I immediately called the Branch Manager with XXXX XXXX  XXXX XXXX to ask why Chase would not accept their check. 
She told me she would check with their bank, XXXX  XXXX, and get back to me. Later that day she sent me an email starting that the check had already been cleared and Chase was paid in full. She also sent me a copy of the front and back of the paid out check to Chase. 

On Friday, XX/XX/2023 I went into the Chase XXXX XXXX XXXX where I made the deposit and showed the banker that the check had already cleared and Chase had the funds so why would they not be releasing my funds into my account? Her response was " Sorry I can not help you as we no longer can assist you with your problem as they ( the local bank ) no longer have control and I must work with the XXXX XXXX XXXX by telephone as they are the final decision maker about releasing any funds. 

This is " FRAUD '' as Chase is holding my funds stating I must wait 12 days now to find out if the check clears while threatening to then charge me a bank return fee when they have already been paid! They were paid by areutable local bank, XXXX  XXXX from a business account with a reputable local title company so how can they get away with this? They are holding my funds for an additional week while stating I might not even get the funds in my account! They have been paid already and I will send documents of proof if needed. 

I am filing this complaint accusing Chase Bank of stealing my funds which they have no right to do since they have already been paid! 
I demand they deposit these funds of {$11000.00} into my account immediately as this is a Fraudulent practice that I am not accepting! 

Thank you,
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up on CFPB Complaint Regarding Experians Inaccurate Reporting To Whom It May Concern, I am following up on my CFPB complaint filed on [ Date ] regarding Experians inaccurate reporting of an unauthorized business account by XXXX  XXXX XXXX XXXX on my personal credit file. 

Complaint Summary : The account in question is a business liability that I neither personally guaranteed nor authorized to reflect as a personal liability on my credit report. Despite filing a dispute with Experian on XX/XX/year>, they responded on XX/XX/year>, claiming to have verified the accuracy of the account. However, Experian has failed to provide : Documentation or evidence supporting their verification. 
A clear explanation of the process or method used to investigate my dispute. 
Additionally, Experian continues to report : Ongoing Delinquency After Charge-Off : XXXX  XXXX charged off the account in XX/XX/year>, yet continues to report monthly late payments. This violates the Fair Credit Reporting Act ( FCRA Section 623 ( a ) ( 1 ) ( A ) ), which requires accurate reporting. 
No Issuance of IRS Form 1099-C : XXXX XXXX has not issued a Form 1099-C to reflect a discharged or forgiven debt, raising further questions about the accuracy of this reporting.

Violations of FCRA : Experians actions raise several compliance concerns : Failure to Validate Reporting : Under Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the FCRA, Experian must disclose the method and source of their verification. Their lack of transparency indicates a failure to meet this standard. 
Permissible Purpose Requirements : Under Section 604 ( a ) of the FCRA, a business account with no personal guarantee is not authorized to appear on my personal credit file.

Reasonable Investigation : Experians investigation appears to rely on automated processes rather than verifying the specific details I outlined in my dispute.

Impact on Me : Experians inaccurate reporting has caused : A significant drop in my credit score, hindering my ability to access financial opportunities. 
Emotional distress and financial hardship due to unresolved inaccuracies. 
Requested Resolution : I respectfully request that the CFPB take further action to ensure : Experian provides verifiable evidence supporting their claim that the account is accurate. 
Immediate removal of the unauthorized account if no verifiable evidence exists.

A review of Experians compliance with FCRA requirements in their investigation and reporting processes.
Product: Money transfer, virtual currency, or money service

The person who scammed my XXXX daughter out of XXXX dollars : Sent to XXXX email : XXXX transaction Number : XXXX sent on XXXX XXXX XX/XX/XXXXXXXX was for XXXX XXXX concert tickets. 

I have contacted Zelle directly - said they could do NOTHING to get money back. 
That answer sounded absurd to me, so I contacted my bank. It turns out they can file a complaint with Zelle- so I did that. I was told to wait until Friday ( XXXX XXXX ) giving their dept. time to look into the matter and that I needed to call them... so I did. I was told if they got the money back that it would show in my daughter 's acct. - it hasn't. Asked the man if there were any notes to show that someone had actually tried to get the money back - there were not. 
To me this seems fairly simple, Zelle should contact the other bank involved, with the info. they have, and get my child 's money back, stopping a now-known scammer before they do it again. If Zelle can not provide this most basic service to stop scammers, then banks should not be offering their services to customers.
Product: Credit card

XX/XX/XXXX The problem is I set up a payment Arrangements for XXXX dollars in XX/XX/XXXX. I made the payment on time each month. Meanwhile they were charging me late fees and over limit fees and I increased the balance and payment due to XXXX dollars. I called them and asked for help. Well they ignored my request. Now I found it they set the account to a 3rd party. But I talked to them on XX/XX/XXXX and the XXXX th they sold it without telling Me. That is wrong.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX  - XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always been in a deferment or a forbearance option through XXXX. I have never missed a payment due to my elegibility w my income due to XXXX. and XXXX.
Product: Debt collection

XX/XX/2016 I started to receive letters telling me I'd face criminal prosecution if I didn't pay the debt in full. They followed that by calling me a piece of XXXX XXXX and you're all alike. Since then they have sent threatening letters to my place of resident insinuating I would face legal ramification if I did't pay {$2000.00} immediately to them even though the courts instructed me to pay the state of Pennsylvania. I recently had an influx in my bills and am giving them XXXX per month from XXXX more letter. I was trying to be polite to give them a heads up so I wouldn't have to receive anymore threatening letters from them. Every time I receive a letter its signed with another name but in the same handwriting. I receive SSI Benefits so I am on a fixed income and don't have the money to pay in full. They don't seem to care and I believe their modo is " We Collect No Matter What ''. Well after I just called to let them to let them know my bills went up so there forI would be making {$20.00} less a month on my payments. Prior to this they would call all night until I XXXX-XXXX XXXX. I just want the letters to stop because in no way my judge said that payments will be to XXXX XXXX XXXX   XXXX. I pay through the Pennsylvania XXXX  website instead because I simply won't pay this debt collector. I make the payments I can. I am trying to return the money I owe and looking for any kind of job now that I have a vehicle to use. I just want to be left alone by these people. they harass you at every turn, they use profain language, and scare tactics at all time. 
I thank you for your time looking into this I also have reciepts from all payments.
Product: Credit reporting

Experian has not responded properly to my demand letter, I am not asking for verification thru your automated process, I am lawfully demanding PHYSICAL PROOF, completeness of record for the accounts I listed in the attached letter. 

In the court of law we will need to prove a record to it 's fullness as being COMPLETE. This is what I am requesting and that the accounts which are damaging my reputation be removed until or unless there is a complete record for the accounts mailed to me. 

Your negligence to remove these accounts pending your investigation will result in civil action. 

I thank you for your time and consideration.
Product: Mortgage

MY mortgage was paid off/ transfer on XX/XX/XXXX. Freedom mortgage is still holding XXXX} in loss draft and have not released it. It has been six weeks and many phone calls with no help. Customer service has sent 3 emails requesting the money be released and returned. On XX/XX/XXXX the insurance department notified loss draft that Freedom no longer controlled the money and it needed to be transferred. As of today XX/XX/XXXX, customer service notified me that loss draft still had the money and they were emailing/ requesting the money be released. I spent 45 minutes with them. I started with customer service and was told I need to talk to loss draft, loss draft told me I needed to talk to customer service and transferred me back to customer service, they told me I needed to talk with loss draft. I explained loss draft had sent me back to customer service. Customer service then sent another email requesting they release the money. My understanding is that not one of the previous emails has ever been responded to. Each call assures me that the issue is being addressed and I will be receiving my money so I can in turn pay the contractor the remaining amount on the repair completion. Six weeks since my loan was satisfied with Freedom Mortgage and they are still holding my money. At best it will be another two weeks but I have no hope of that happening. All work is completed on my home and the contractor is waiting for the rest of the money. I am responsible to make that payment even when Freedom Mortgage feels they can hold my money. I informed each person I spoke with tonight that it was my last call with them and I would be filing a complaint because nothing was getting done at Freedom Mortgage to correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian requires me to send proof that a collection was paid off by submitting documentation to the www.experian/upload. 
the site does NOT work, i have tried multiple times, addtioanlly Experian will not allow me to dispute online either.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX XXXX XXXX account XXXX XXXX XXXXXXXX has 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

filed ftc on these accounts XXXX XXXX XXXX XXXX XXXX  not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$110000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX XXXX XXXX regarding payments and I spoke with XXXX. I know it's been a rough year for everyone, including myself. However, today has become much harder due to a notice I received from the credit report agencies ( TransUnion, XXXX, & XXXX  ) stating theres a 30-days delinquency reporting for XXXX XXXX XXXX. I was affected by the coronavirus pandemic, but my account is current. According to the CARES Act : If my account is delinquent and I make an agreement to bring my account current, the creditor must report that I am current on my loan or account. 

Please remove the 30-days late payment and update my credit reports reflecting current status. This will help me get back on track. 

This has hurt my credit tremendously. My taxes are still being processed since XXXX. My unemployment payment was released due loss of income due to Covid-19.

The CARES Act places special requirements on companies such as XXXX XXXX XXXX, that report any payment information to credit reporting agencies. Those requirements apply to me as a consumer because I was affected by the coronavirus pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

BACKGROUND : In XX/XX/XXXX I was offered and accepted a 3 month forbearance on my Navy Federal Credit Union Mortgage. in XX/XX/XXXX the forbearance was automatically extended for an additional 3 months. In XX/XX/XXXX I was offered Covid 19 Post Forbearance options. I chose the Flex modification option. In XX/XX/XXXX I was presented with a Flex modification offer, in XX/XX/XXXX I accepted offer and made 3 trial payments in accordance with terms of offer. in XX/XX/XXXX i was presented with and signed final Modification documents. 

COMPLAINT : In XX/XX/XXXX there was a significant decrease in all 3 of my credit scores ( XXXX, XXXX  and XXXX  ). They all reported delinquency in the payment of my Navy Federal Credit Union Mortgage. in XXXX I contacted Navy Federal Credit Union concerning the derogatory credit report. I was told that it had been turned over to a representative for resolution. when I contacted the representative he confirmed that my covid 19 forbearnce should not have negatively impacted my credit. he also stated that an investigation would be initiated within Navy federal Credit Unions credit reporting department. I have been contacting Navy Federal Credit Union on a monthly basis since XXXX but no resolution has been reached and it appears that no actions at all or being initiated. 

ATTACHMENTS : 1. copy of my complaint to Navy Federal Credit Union 2. copy of post forbearance options 3. copy of offer of flex modification 4. copy of final flex modification agreement 5. copy of mortgage payment history prior to forbearance and after trial period 6. copy of trial period mortgage payments.
Product: Debt collection

Debt collectors sent a letter stating I owe a debt I do not know this creditor I had no dealings no contract or service through the company
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts because I deemed them questionable and inaccurate. In these letters I requested Experian to validate these items they are reporting on my credit file. 

report numbers are as followed:XXXX XXXX Each time I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) they don't send me the proof I requested, and only send me a generic letter stating that the account has been updated or the item has been " verified ''. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus and data furnishers are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 
Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


This is my second complaint that I am filing against Experian. I do not believe they have followed regulations in properly verifying information on my report to be true. Every time I would ask for a re-investigation, Experian sends me a email and says that the dispute has been opened, and it seems like each time the investigation gets shorter and they end the investigation I spoke with a agent at Experian via telephone today. She stated that Experian 's only job in the dispute process is to send consumers disputes to the creditors and have them verify the information to be accurate. Well, my question to Experian is how are you validating these disputed accounts? Are you taking the creditors word for it or are you actually doing your job by properly reviewing actual evidence that shows a consumer is legally obligated to that debt ( original contract bearing a signature ) I literally have 20 hard inquiries on my report from companies I have no knowledge of ever authorizing them to access my report. Which is a FCRA Violation under section 15 USC 1681b I disputed those items with Experian and all have come back " verified ''. 

Since then I have written validation letters to every creditor that I disputed with Experian and requested them to provide me with a contract bearing my signature authorizing their company to access my report ; or to show that I am legally obligated to pay on the debt in question.
Product: Credit reporting or other personal consumer reports

I was stunned this morning to find inaccurate accounts appearing on my credit report. I have no clue why this happened. I checked my report as usual, but this time, unexpected discrepancies showed up. I even tried refreshing my browser to see if it was a glitch, but the inaccuracies remained. I need those documents I've sent to be carefully reviewed so I dont have to worry about this again.