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

My account with EQUIFAX XXXX XXXX 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 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: Checking or savings account

During the pandemic an account was opened in my name at Key Bank in XXXX XXXX.supposedly there was an unemployment check deposited into this account without my knowledge or consent. This caused a fraud alert to go out through Key Bank. I only learned of this account being opened because I recently opened an account at XXXX XXXXXXXX XXXX in XXXX, Ohio upon depositing funds into my recently opened savings account there was a freeze on the XXXX XXXX account citing a flag due to someone opening the Key Bank account. I can attest that I did not open this fraudulent account through Key Bank.
Product: Debt collection

I have multiple credit card accounts with Community Bank ( Two XXXX XXXX accounts, XXXX XXXX and XXXX ). I have been " locked out '' of my XXXX XXXX and XXXX XXXX accounts for the past almost 3 years. I would call XXXX XXXX customer service because I could not log in and they would " unlock '' my account and when I logged out after making a payment I was unable to login again without contacting Commenity Bank again to " unlock '' my account. I have spoken with a representative and manager every month for the past 3 years in order to make a payment on my account and expressed these concerns as well with no recourse. Today, Wednesday, XX/XX/2019, a collections representative contacted me and called me by my first name, then proceeded to divulge my personal balance and information regarding my account. She then threatened to pursue further options in a threatening tone if I did not pay my bill today ( which is 2 days late ). This is a direct violation of privacy laws and collection practices laws. I spoke with a manager named XXXX XXXX who confirmed on a recorded line that the representative violated collection laws and removed one late fee of {$35.00}. I have been charged a late fee every month for the past 3 years, which they refuse to remove. I have also requested XXXX XXXX to confirm the purchase I made on the account as well as a credit and they refused to do that as well. I was informed by a customer service manager named XXXX that I need to submit that request through my online profile, which I was able to login again because I was on the phone with a representative. Commenity Bank also did this with two XXXX XXXX   accounts by locking me out of my online profile. A Commenity Bank customer service manager also did not process proper credits issued on a recorded line from a customer service manager at XXXX XXXX. Then Commenity Bank charged off both accounts without my knowledge or notification and ruining mine and my husband 's credit for no reason and as a retaliation tactic for complaining about damaged furniture. Not to mention, all furniture purchased on the XXXX XXXX accounts were delivered damaged with 8 or more deliveries.
Product: Credit card or prepaid card

I disputed a series of charges on my PENFED Credit Union VISA from XXXX XXXX XXXX, XXXX XXXX MN, ( 9 transactions totaling XXXX ). PENFED has refused to diligently investigate or take any steps to resolve my complaint. 

On XXXX I initiated my original dispute, on XXXX they closed it saying the charges were valid ( they did not provide me with a case number for this dispute ). I learned of this on XX/XX/XXXX when I called to inquire and at that time re-opened the dispute ( the case numbers provided in this instance were XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). 

I uploaded supporting documents on XXXX and called PENFED confirming they received them on XX/XX/XXXX. On XXXX I called to learn the status and was informed that they decided not to change their previous decision. The customer service rep indicated that XXXX in the dispute department thought I should talk to XXXX the analyst assigned for an explanation. They indicated XXXX would call me that afternoon. XXXX did not call. On XXXX I called again with no results. 

Thus far PENFED has refused to diligently investigate my dispute, has failed to provide an explanation of their decision or copies of any evidence they used in making their decision. I very much doubt they interacted with the other party at all. 

I hired XXXX to provide residential remodeling services. He represented himself as a competent professional capable of delivering the work he agreed to. However, he was not competent, or professional, and delivered shoddy, amateurish workmanship that must now be redone. 

The basis of the dispute is that the services and products were not delivered on time or as agreed., that the services and materials provided are defective or not as specified, and XXXX has refused to disclose their billing, they have not provided an invoice describing what I have paid for. 

I have extensively document the problems with XXXX work and have attached the documentation I provided to PENFED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with XXXX XXXX, Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Consumer Loan

My vehicle was paid off by the at fault driver 's insurance company following an automobile accident on XXXX XXXX. An overage is due to be refunded to me, as my account balance was paid in full. I have made repeat phone calls to Exeter Finance regarding money they owe me, approximately XXXX. Every time i call, they are reviewing it. A payoff amount and warranty refund was sent over 2 weeks ago, XXXX XXXX, 2016. To date, it 's still being reviewed by a department that no one can speak with. My account is still open and showing that i owe them. They keep assuring me all is fine. It is not until i receive my overage check, my account is closed, and reported to the credit bureaus as paid in full.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I pulled my credit report and notice several fraudulent accounts. I have provided a copy of my ID.
Product: Debt collection

I am writing to formally dispute multiple inaccuracies on my credit report. The following accounts contain inaccurate information and should be removed immediately : Creditor : Sunrise Credit Service Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Status : Collection account {$670.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$670.00} ( Updated on XX/XX/XXXX ) Original Balance : {$670.00} Creditor : XXXX XXXXXXXX Balance Updated On : XX/XX/XXXX Past Due Amount : {$25.00} Creditor : XXXX XXXX XXXX XXXX On : XX/XX/XXXX Past Due Amount : {$56.00} Creditor XXXX XXXX XXXX XXXX Balance Updated On : XX/XX/XXXX Past Due Amount : {$38.00} Creditor : XXXX XXXX XXXXXXXX XXXX XXXX {$20000.00} These accounts contain inaccurate and/or unverifiable information that is negatively impacting my credit profile. I have previously attempted to resolve these discrepancies with the credit reporting agency, but my concerns were ignored or dismissed without proper investigation. 

Given the CFPBs recent lawsuit against XXXX for conducting sham investigations of credit report errors, I am concerned that my dispute is not being handled in compliance with the Fair Credit Reporting Act ( FCRA ). The CFPBs legal action against XXXX ( filed [ insert date of lawsuit ] ) exposes a widespread failure by credit bureaus to investigate consumer disputes properly. Based on this, I am formally requesting an immediate and thorough investigation into these erroneous accounts and demand their removal from my credit report. 

Enclosed, you will find supporting documents, including a copy of my credit report highlighting these disputed accounts, as well as my identification for verification purposes. Please confirm receipt of this dispute and provide timely updates regarding its resolution. I expect full compliance with the FCRA and CFPB guidelines, and I will take further action if my rights continue to be violated.
Product: Debt collection

I have sent several requests to Aargon Agency Inc. per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles. 

I am attaching a copy of the most recent USPS Certified mailing sent to this company in XX/XX/XXXX which has well surpassed the 30 days allowed by law for a response.
Product: Debt collection

I received a letter from XXXX XXXX XXXX on XX/XX/2024 stating they were collecting a debt from Check into Cash. They stated that they would be filing a civil judgement including wage garnishment and/or lein against personal property or bank account, subpoena my husband and father, file a hard inquiry to credit bureaus. I contacted Check into Cash who stated I did not have any outstanding loans and nothing had been sent to a collections agency. They checked my name, social and maiden name under their business as well as their sister business Cash Central. There were not any loans that were actively being paid on, nothing pending and nothing that had an outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report from a monitoring service so that I can start the process of getting a vehicle loan for my trucking business and I have several Federal Government Loans on my report that are n't mines at all. I am filing this initial complaint being from several hours researching I came across your website information about consumer financial protection bureau. There are 6 accounts that show several 120 late payments from these accounts that I do n't have and not aware of and I am demanding that all accounts be deleted & removed permanently from all 3 credit bureaus - Experian, XXXX XXXX , & XXXX based by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970.
Product: Checking or savings account

I had long relationships with Capital One. I trusted my finances to Capital One : I sent Capital One check when I bought a car XXXX years ago, all incoming wires, all incoming deposits, XXXX payments ( in and out ), payments to my credit cards was made from Capital One. My sister sent me international wire {$15000.00} on XXXX XXXX. Later I got a voicemail from official Capital One phone from XXXX that Capital One needs additional information before proceeding/releasing wire. Right after that my account was restricted. Yesterday ( XX/XX/XXXX ) I have an email it was closed. Even someone from XXXX said he would keep it open if wire still arrives. Another Representative denies someone from Capital One called me about wire, even I have XXXXe proof of voicemail. All Representatives were not really helpful, no one saw this wire coming, except XXXX, who left a voicemail and never tried to contact me again. Without reason Capital One decided to close my account. As a result, {$15000.00} are somewhere, not in my American account, not in my sisters account. No one returns {$450.00} commission fee to my sister, if she ever sees her funds back. My question is : why did Capital One close my account? I did not do anything wrong. Besides I was doing the same what I was doing last XXXX  years. Capital One was fine with my iXXXX incoming wires. I am a Customer in good standing, who trusted Capital One and the Bank failed to service me when I mostly needed this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the ACCOUNTS below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

For a simple teeth cleaning that i bought on XXXX  for XXXX dollars, this XXXX XXXX XXXX XXXX XXXX company is charging me XXXX dollars and im not willing to pay. 
Then i have a XXXX dollar collection on my credit from XXXX XXXX XXXX XXXX XXXX XXXX that i just realize a couple days ago. At that time i did have culinary  insurance but i still got charged.
Product: Vehicle loan or lease

On XXXX of XXXX I was contacted by CIT bank, First Citizens bank Direct Capital. in regards to the ability to be financed on a Truck lease or loan and then was told after getting approved that I was also approved to receive additional cash loan of XXXX. The total payment was XXXX which I began paying. 
Then in XXXX my payment shot up to XXXX and XX/XX/XXXX and charged twice then XXXX again in XXXX automatically with no call or explanation. I finally noticed the larger amounts in my account and contacted them to find out it was for Insurance which I already had on the vehicle since I purchased the truck which I proved to them and I was told I would get refunded for which I have not seen yet. I stopped the automatic withdraws until they refund the money and now they are threatening to repo my vehicle. The following is the transaction records from my bank for the payments. In XXXX they sent a notice of default stating I was late XXXX. They did not pay back the money that was added to the original contract payments. 

XX/XX/XXXX Direct Capital Nh  Checking - {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX | + Add tags XX/XX/XXXX Direct Capital Edi XXXX - {$1500.00} Business Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital Edi  Checking - {$2000.00} Business Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital XXXX Checking - {$1800.00} Business Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital Edi  Checking - {$1800.00} Business Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital Edi Checking - {$2000.00} XXXX  Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital Retry Checking - {$1500.00} Business Vehicle lease | XXXX XXXX XXXX | + Add tags XX/XX/XXXX Direct Capital Edi  Checking - {$1500.00} Business Vehicle lease | XXXX XXXX | + Add tags XX/XX/XXXX Direct Capital Edi  Checking - {$1400.00} Business Vehicle lease | XXXX XXXX
Product: Mortgage

I recently purchased a home through the VA. Everything was going okay with my home loan, and every now and then I was a few days late with my payment ( but I always made my payment and never had an issue ). I recently found out my home loan was sold to Selene finance, without my consent or knowledge. When I purchased my home, I researched who I was obtaining my loan through, and would have never in a million years went with a company such as Selene. Yet somehow I ended up with them, and since being switched to selene, they have reported me to my credit bureau for 5 months straight, literally ruining my credit ( they are the ONLY negative report I have on my credit ). So now I cant refinance to get away from them. They will not return any of my calls, other then the very first time I spoke with them about why they would continually report me to the credit bureau. I dont know what to do when this company continually does things like this which is preventing me from obtaining any other way out and away from them. The fact that this organization services VA loans is even more beyond me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report just because i'm planning on purchasing a home some time soon. While checking my credit report i notice some items that are not my. This is unacceptable and kinda embarrassing. I need these items removed from my credit report. I contacted the FTC and my local police. I am doing this on my own behalf. I'm working on this on my own behalf. 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. There are also some inquiries on there that I know nothing about. XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : Employer : XXXX  XXXX, TN Addresses : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Inquiry : XXXX  XXXX XX/XX/XXXX Collection : XXXX - XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX  XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Employer : XXXX  XXXX XXXX XXXX XXXX, TN XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Collections : XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Collection XXXX XXXX  XXXX XXXX XXXX
Product: Vehicle loan or lease

Had a bank account that is now terminated linked to my auto loan account so that i can see both but now that my bank account is terminated i no longer have access to my auto loan to make payments and now stuck having to pay XXXX fee to make payment over the phone which adds up over time, have reached out ally multiple times regarding this all i get from the customer service rep that somebody will reach out to me within a certain timeframe but that never happens I'm tired of calling them to get the same scripted response and no actual progress. One representative told me he didnt understand why they havent reached out to me yet once he seen a email has already been sent regrading this issue to upper management
Product: Credit reporting or other personal consumer reports

I submitted all information regarding collection accounts and inquired as to why this is now a charge-off. Additionally, fraudulent collections through XXXX XXXX, which I have never used, and XXXX again, never used. This has negatively affected my credit and now have been denied access to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the " Fair Credit Reporting Act '' this creditor has violated my rights. Under 15 USC 1681 SEC 602 states, " I have the right to Privacy ''. 15 USC 1681 SEC 604a SEC 2 it also states the consumer reporting agency can not furnish an account without my WRITTEN instruction. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for ANY PURPOSE.