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 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 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 XXXX  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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


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


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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Open XXXXXXXX  Pursuant to 18USCB 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am writing to file a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account # XXXX with XXXX XXXX. 
Despite multiple requests for correction, including letters dated XX/XX/year>XXXX  and XX/XX/year>, my requests have been ignored. Both XXXX and XXXX have already removed the inaccurate late payment from my credit report after confirming the error, yet TransUnion continues to report this inaccurate information, negatively affecting my credit score. This is a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The late payment reported by TransUnion suggests a failure to comply with this requirement. Additionally, under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of the information in consumer files, which has not been upheld in this case. 
TILA Violations : The Truth in Lending Act ( TILA ) requires accurate and timely disclosures to consumers. The continued reporting of an inaccurate late payment by TransUnion has caused undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Evidence of Removal by XXXX and XXXX : Both XXXX and XXXX have removed this late payment entry due to inaccurate information provided by XXXX XXXX. Their actions further prove that the late payment should be corrected or removed from my credit report with TransUnion as well. 
I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the relevant agencies. 
RESOLUCION Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction.
Product: Credit card or prepaid card

I have never been late once, and I have carried a XXXX balance this year because of Covid19. The  company sent me a letter to tell me they closed my account without giving me a chance to make a purchase to keep my card open. 
Citi sighted incorrect reasons for this decision. My FICO score is XXXX and I have not had a late payment on ANYTHING on my credit report for over 7 years. 

My credit revolving balance is 20 % on my other cards. This was unfair and arbitrary abuse of Citi Cards. My longest credit account is 30 years. 

During unprecedented times this was a way they are protecting Citi and not following fair practice under the law.
Product: Credit reporting 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently cleared up my credit by paying off a mortgage and paying off my personal bills. I was able to establish a credit score of XXXX via XXXX. I applied for a credit card with chase and was granted a {$7000.00} limit card. I have not opened any other accounts i have not even used the card. Chase turns around and cancels the credit card dropping my credit score to XXXX which i believe is unfair to me and the hard work i put in to getting my credit to where it is currently. I am looking for an apartment currently and now that chase has done this it disrupted my whole life, and Chase can careless what they've done to me. I find this highly unacceptable that i will have to suffer when i clearly did not do anything. I am coming to the financial bureau first to help rectify this situation, before going to the news media for publicity help
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT FILES AND FOUND FRAUDULENT INFORMATION I NOTIFIED THE THREE CREDIT BUREAUS AND WAS ADVISED BY THEM TO GET A POLICE REPORT I DID AND MAILED IT OFF WITH THE FRAUDULENT ACCOUNT INFORMATION. THE FRAUDULENT INFORMATION IS ( XXXX XXXX XXXX XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Just saw a Bank of America hard inquiry show up on my credit report. I did not apply for any Bank of America cards. Not sure why this popped up. 

Only thing I can think of is somebody got my information off of my stolen phone and my accounts compromised. 

That being said Id like it if this hard inquiry was removed from my credit report if possible at your earliest convenience as this was done fraudulently. 

Thank you.
Product: Credit card or prepaid card

I applied for and was approved for a XXXX XXXX  XXXX issued by Wells Fargo on XX/XX/XXXX. I later received the card and made one purchase to my rental property. on XX/XX/XXXX I was informed that the three charges had been attempted on my card, all fraudulent. I then was asked to confirm if the charges were fraudulent and ended up in an hours long loop of customer service representatives, which ended up wasting the better part of a morning in order to cancel my card and have a new one sent. All of this for what was undoubtably the fault of Wells Fargo, who clearly had a data breach given the length of time I have owned this card as well as the lack of use. The amount of time and effort expended to resolve this problem from the consumer sides feels both unfair and almost punitive, given the fault lies entirely with Wells Fargo.
Product: Credit reporting

When I went to purchase a car at a dealership I gave specific instructions I would be financing the vehicle through XXXX XXXX XXXX. Without my permission the dealership shopped the loan at XXXX additional lenders on XXXX XXXX, so a total of XXXX hard inquiries were added to my Transunion Credit report.
Product: Money transfers

I was in XXXX and needed to obtain XXXX. Due to problems with being required to have a pin to use a Credit card in the automats the banks operate in the XXXX area ( XXXX XXXX XXXX region ), it was suggested that I use Western Union XXXX WU XXXX. So I went to the local XXXX XXXX and talked with them. This led me to going online to the WU site and getting it to " US English '' ( Regional issue based on IP addresses ... ). I was involved with them via a chat session and it was explained to me what I had to do and that it would be possible to effect this within an hour or so. 

The first step was to register, which I did. The next steps required I identify my bank ( XXXX/account # XXXX, provide verifiable ID ( DL # in this case, & my address ... ). 

With that done, the next step is to do the transfer. So I specified how much I wanted in XXXX ( XXXX XXXX XXXX and set it up for an in-person pickup at the local XXXX XXXX office. I would be required to use my XXXX ID to pick up the moneys XXXX. However, they kept failing the transaction for some odd to me security reason XXXX the reason was inspecific, but some security problem that appeared to be with my bank ). 

I had to then call my bank to find out what security problems were involved, and they told me that WU had not contacted them XXXX security department XXXX to validate my account. Granted, this would have been about XXXX XXXX, but the Fraud and Security departments are manned by Bank XXXX at that time. 

So then I called WU directly and there I was told that you ca n't do what I am trying to do, pull money from my Bank XXXX and send the funds to me in XXXX -- Even though they had told me earlier exactly how to do this whole process, and their web site says that this can be done. 

The problem that started this is, in the XXXX area, the various banks have pulled the ability of tellers to handle Credit Cards by taking an image and then obtaining a signature. We would have to drive over to XXXX a large city XXXX to get this done. But I needed to take care of my Hotel suite bill first.
Product: Debt collection

I, XXXX, am reporting the loss of my wallet at XXXX XXXX XXXX XXXX in 2019. Since then, my identity has been compromised, leading to unauthorized credit card usage and debt accumulation under my name.
Product: Debt collection

I spoke with Resurgent Capital Services on XXXX.2023. I spoke with a representive, and advised her that i was attempting to dispute by balance. She advised me that I can not dispute by phone, unless i update my address. i refused to update my address due to privacy concerns. she advised me that i can not verbally dispute with out updating my address. I then asked 2 more times if i can dispute my balance with out updating my address. she stated that i can not. I then requested a manager. The manager advised me that i can indeed dispute with out updating my address. The original rep gave me false and misleading statements whille attempting to collect a debt. Per the FDCPA She was in violations of section 15 U.S.C. 1692e.I advised the manager that i do not recognize this debt, and i want to dispute. I Advised her that i am Requesting Validation of the Debt, which is the signed contract binding both parties pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have tried to dispute the account with Comenity Bank Express on my credit report I learned about this account after pulling my credit reports. The credit card was open in XX/XX/2016. The amount owed is {$1700.00}. I called the creditor to inform them that I am disputing this account due to identity theft. I sent all the documents needed to prove my case. I was told this account had payments made. I did not make any payments on this account. I can also provide proof that I did not make or send payments for this credit card. I then reached out to my monitoring service to see if they could help and they also sent a dispute for me and called the creditor to see if they received documents and was told to fax power of attorney again. I called the creditor after speaking with my monitoring service to see what the outcome and was told they did have all of my documents including the power of attorney. While I was disputing the credit card from Comenity Bank Express and while they were investigating. I received an alert stating I owed a balance and the balance was increasing. I called them to inform them this account was in dispute and why are they still reporting while being disputed and this is illegal.
Product: Credit card or prepaid card

One of the leading Credit union in DC area ( Penfed ) is misleading the consumers on the credit card promotion. I have called them couple of times and explained the situation but they have refused to provide with the {$100.00} credit for spending {$1500.00} in first 90 days. 

Here is the chronological order of events. 
I applied for the credit card on XX/XX/XXXX and I got an email on XX/XX/XXXX that my credit card was activated. I reached back to Credit union immediately that I didn't receive the credit card and wanted to make sure it was not stolen and activated by some one else. I was informed that the credit card was mailed on XX/XX/XXXX and due to postal delays etc, I was not able to activate the card until XX/XX/XXXX. 

I waited till Mid XX/XX/XXXX to see if I will get the {$100.00} promo applied, I called Penfed and the customer representative informed me that I met the condition and it will be applied in couple of weeks. So I waited and called them back in XX/XX/XXXX and opened a support case ( XXXX ). That's when I got the message from penfed that I didn't qualify and the previous representative didn't check my information correctly. 

So when I pressed for more information about the why my {$100.00} promo was rejected by penfed. I was given XXXX of the weirdest explanations that 90 days count from the date of the application approval ( aka XX/XX/XXXX in my case and ended on XX/XX/XXXX ) and that I only spent {$1400.00} dollars about 90 $ short of {$1500.00} goals. The advertising is very deceiving. I was surprised that that they consider application approval as account opening date, I never had a credit card company that considered a card is open until the physical card is activated by the consumer. 

I have spent more than {$1500.00} threshold by XX/XX/XXXX ( aka XX/XX/XXXX XXXX email of approval ) and if you go by the credit card activation which was XX/XX/XXXX till XX/XX/XXXX, I have spend lot more on my credit card. So I requested the Penfed to honor by {$100.00} promotion reward and they rejected it. 

so I am asking CFPB organization to support innocent Customers like me and many of our armed forces who rely on penfed for there financial needs.
Product: Checking or savings account

Citibank Business has held money in my act for six months without access and charging me monthly XXXX fee and at least XXXX. Further I was frauded and I've got zero information from citibank to file police report about what was found. I want this account closed and my fees taken returned and my census money returned which is mine. The delay is ridiculous, I filed previous complaint and Citibank falsely claims that all funds were not mine which is not true as funds went into account after they said they were closing it that were mine. I worked for the XXXX XXXX and two of my checks went into the account in error and they refused to sent to me this amount. I sent proof attached o worked at XXXX. 

Recently XX/XX/XXXX my check of {$600.00} us giovernment pandemic relief check went in the aaccount. 

I'm fed up its been since XX/XX/XXXX they said they would close amd refund me. 
And every month of XXXX  they have taken XXXX fees out. I want fees taken after XX/XX/XXXX refunded amd I want my XXXX check and my census money checks refunded now. They are not part of the reason the account closed and the money is mine. 

The bank is incompetent!!!! Doesn't investigate correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

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  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 an 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 of 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows :
Product: Debt collection

XXXX XXXX XXXX sold and assigned this alleged debt to a collection agency, and that alleged debt has been resold and re-assigned several times. Each time I respond with a dispute, and request records. Then, without sending the records, the allged debt is then sold and re-assigned. This has happened FIVE times. It is abusive.
Product: Credit reporting 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  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. Account # XXXX 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 of 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

account was paid and still shows a charge off status please invesigate and remove from my credit report
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under XXXX XXXX XXXX section XXXX o XXXX states I have the right to privacy ( XXXX XXXX XXXX ( section XXXX XXXX XXXX a section XXXX ( it also states a consumer reporting agency can not furnish an account without my written instructions under XXXX USCS XXXX a creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

The borrower submitted a loss mitigation application to America 's Servicing Company ( " ASC '' ), which denied that application and communicated that decision in XXXX letters, each dated XXXX XXXX, 2015. The borrower, through counsel, appealed that denial on XXXX XXXX, 2015. ASC then denied that appeal by letter dated XXXX XXXX, 2015. The same personnel that reviewed the loss mitigation application and signed the XXXX XXXX denial letters also reviewed the appeal and signed the XXXX XXXX appeal denial letter.