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 XXXXXXXX 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 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 XXXX ( 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 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 XXXX 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

On [ XXXX & XXXX ] I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. Numbers XXXX & XXXX listed below appear to be duplicate accounts. 

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested. 
XXXX XXXX BANK Acct : XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX. XXXX XXXX XXXX Acct XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX. U S DEPT OF EDXXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reported on my Credit Report as well their inability to report accurate information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesting that the Credit Bureaus take their time to verify the information being reported on my XXXX XXXX. I am victim of Identity theft and the accounts I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureaus have failed to remove the disputed accounts completely from my Credit report and insisted that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed accounts completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following accounts deleted immediately : XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX
Product: Checking or savings account

I woke up on Monday morning XX/XX/19 to an unauthorized XXXX transaction for {$1200.00} due to someone hacking into my account and sending themselves funds. I immediately called my bank Chase and let them know and at that time a claim was filed. I went ahead and made arrangements to pay things later with my billers and even had an emotional phase. On XXXX  XX/XX/19 I wake up and I have all my money back in my account my balance was back at {$1800.00} I was so excited I called chase and reset my online profile as they advise when I filed a claim I then called all my billers advised I could pay on time but one of my billers advised he could not process a payment. Later when I was finished with work I went to Chase in XXXX California and met with a banker named XXXX he advised me my account was frozen due to the rep who reset my online information forgetting to unfreeze my account he told me the payment to XXXX XXXX for XXXX was cancelled and the money was mines. I went ahead and made purchases for things I needed. On XX/XX/19 I wake up and my balance is XXXX to my surprise Chase has taken the money BACK out of my account. This puts me and a very hard spot not only do I not have my money but I was tricked into making purchases for things I would have never bought had I known Chase was planning to redraft the funds. This is not the way my bank should make me feel and I need those funds back immediately. Now more than ever
Product: Checking or savings account

Records show that on XX/XX/23 my XXXX XXXX checking account with was unexpectedly closed by Wells Fargo. I was only made aware after logging onto my online banking and saw my account had a {$0.00} balance and statement that the account was closed. I contacted the number provided on the online account, which said they could not assist me, however the account was closed because my " Principal '' address they have on file for my business can not be a XXXX XXXX XXXX This is not the case. My " Mailing '' address for this account is a XXXX XXXX XXXX however my " Principal '' address is my home residence. I did not receive any previous emails regarding this issue with my account until after I had called into the online number my online account provided, simply stating my account was closed. 

I have spoken to many online bankers regarding this and even went into the branch and spoke with the Mgr. All they were able to tell me is that they mailed my remaining balance in my account to my " Mailing '' address in the form of a certified check. They would not stop the check and simply transfer to another one of my accounts. 

Within the last 3 mths I had recently paid for new printed check on this account, I have multiple merchants tied to this account for XXXX and auto deposits into this account from my merchant services company. This has completely shut my business down.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$850.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX.
Product: Payday loan, title loan, or personal loan

Well I sent over a copy of my ID, bank statement. The company said I was approved for a line of credit of {$350.00}. I talk to one of their representatives and he told me all I had to do is send over a copy of my pay stub. I sent that over and call back again. I talk to another representative and she said it will take 45- 1 hr to see if I was approved. I never received any info from them so I called back 5hrs later and they said I wasnt approved. I asked they why not? They told me because they said they needed a copy of my SS card. Right then I know it was a red flag because I never had to use my SS card for any loan.
Product: Student loan

Hi from XX/XX/XXXX to XX/XX/XXXX I was making payments to Fedloan for {$330.00}. 

However, I was in XXXX school the year before and did not take in any income over {$10000.00}. My payment should have been {$0.00}. 


I remember calling Fedloan to resolve this a few times. Waiting hours sometimes to just get through to verify. They gave me incorrect information in the beginning of repayment and said I could not get my payments back. 

Now with the department of education correcting things, I want to advocate for my money back. My federal tax returns and payment history would show that I was mislead into making these payments.
Product: Student loan

I saw the lawsuit against Navient in the news, and wanted to provide you with information on my own account with Navient. On two separate occasions, I 've had to battle with Navient about the proper allocation of my student loan payments, on both occasions, I was ignored until I reached out to the customer advocate and threatened to take it further. ( I believe I still have the emails ). I also was told that I was ineligible for anything other than forbearance when I had lost my job and become unemployed. I tried finding an income based re-payment option, but was told I was only qualified for forbearance. I have tried to keep track of this company and their charges and fees, but the truth is, because the interest is added daily, it 's hard to maintain a balance. I feel like this company is corrupt and you can see from my payment histories that whenever I have made a complaint, all of a sudden a sum of money appears as a credit. I 've tried to make several calls over the years to speak to representatives, but they are incompetent. The only helpful people have been at the advocate office, and even then, I still feel like I 'm being cheated. If this lawsuit allows my record to be checked over and audited, I would be so grateful. I never chose Navient as a lender, I was passed on after XXXX XXXX. I really feel like there is something wrong with this company, and they are certainly not out to help the borrowers. Their practices are confusing, and I feel like I 'm being scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originially filed a complaint with you al regarding Experian not properly veriying a bankruptcy they are reporting on my credit profile. In their original response to me they stated that the company used to verify the information reported it as accurate. THis reple was sent to you XX/XX/21. They also stated that if there was any new information that would look at the bankruptcy again. On their website and in the letter I received they stated that they verify bankrupty information with XXXX XXXX. I filed a compaint with you all against XXXX XXXX for not providing how they verified the bankruptcy they were reporting to you. On XX/XX/21 XXXX XXXX replied to the complaint with the attached letter stating that they have deleted this bankruptcy from my profile with them as of XX/XX/21. Since they did that prior to Exeperian saying that they verified it as accurate, Experian either lied or did not verify properly. As a result, I sent Experian a copy of the letter from XXXX XXXX stating that they are not reporting this bankrupcyt and asked Experian to delete it, and also filed another complaint with you. In their reply to you, they stated that they are still working on a reply and will reply within 60 days. 

Today XX/XX/21, Experian sent me a reply again saying that they verified the information as accurate with the data furnisher, again they did not include the name of the data furnisher, so I assume based on their website they are saying that it was reported to them by XXXX XXXX, however I recieved an updated copy of my report with XXXX XXXX, and just like the letter stated, the bankruptcy is no longer being reported by them. I have also attached to this letter a copy of the letter I sent to Experian XX/XX/21, from the court stating that they also did not provide this information to them. So if XXXX XXXX is no longet reporting this information to them, and the court does not provide any information to any CRA, where is Experian gettting this information from, and why arent they deleting this since it is very clear they are unable to verify its accuracy Attached is a letter I sent to Experian on XX/XX/21 from the bankruptcy court stating that they do not provide any information to the CRAS. A copy of the letter from XXXX XXXX that the bankrupcty has been deleted from their records, a copy of the page in my XXXX XXXX report showing that this has been deleted, and both responses from Experian stating the bankruptcy was verified after XX/XX/21 when XXXX XXXX states it has been deleted.
Product: Credit card

About 5 years ago I opened a savings/checking account with XXXX Bank. The institution without my consent sent me a credit card which I did n't apply for. I consulted the banker back then and was informed that it would hurt my credit if I cancelled/closed the credit card account so I decided to keep the card. Today, I requested the bank copies of my initial application and they refuse to provide them ( application no longer available ). The representative further stated that the bank may now close my account due to the fact that the credit card account was opened fraudulently. I informed the representative that I am fully responsible for the current charges and I have always made payments on time for the last 5 years. I am now afraid that the closure of the account will affect my credit score and this will greatly affect me in the future. Further, I am concerned that the bank will require me to pay the full balance.
Product: Credit card or prepaid card

At first, i wasnt good using smartphones. I was told that i could recieve money from the dept of labor and some friends of mines ( which I thought was a friend used my phone and and card without my authorization. I HAVENT RECIEVED NOT ONE DIME!!! Now that ive learned how to go online and check the status and do my claims on my own, inoticed that it was money deposited multiple times on XX/XX/2020 for XXXX. I BEEN STRUGGLING ALOT AND THAT MONEY WOULDVE HELPED ME OUT ALOT. NOW IM BARELY MAKING IT AND I JUS WANT JUSTICE FOR MY MONEY.
Product: Debt collection

The person stated that the name is XXXX for Portfolio Recovery. However, the phone number does not bring about a name on my CallerID ; therefore, this number can easily be spoofed. XXXX claimed the the phone number and name of company was legit and wanted me to verify information without proof of who they were.
Product: Debt collection

This number keeps calling me and saying they are  XXXX   XXXX   XXXX  trying to collect some kind of money from me. I told them I was paying the  XXXX  they said I owed so they said 'ok we can can split it in half for and ill take a credit card over the phone now for  XXXX  '' For one thing that is not half and they said I owe for some gym membership in South Carolina and I have n't lived there in over a year. He started getting real nasty with me on the phone and yelling at me. I do n't even know what this guy is talking about. I told him to leave me alone or to send me something by mail and I never got it. But he keeps calling me and now he is calling friends and my job telling people I am going to jail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX veteran trying tp purchase a home. I noticed that XXXX XXXX is duplicated twice on my XXXX report listed below. I dont owe this company anything. 
According to Louisiana state law CC 2682.

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I have not XXXX, Transunion have not showed proof please remove. This is affecting my ability to provide shelter for my family. 
XXXX  1. Date Reported : XX/XX/XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX, XXXX Original Amount Owed {$1500.00} XXXX XXXX XXXX   Original Creditor Name XXXX XXXX XXXX  Date Assigned XXXX XXXX, XXXX Original Amount Owed {$1000.00}
Product: Debt collection

XXXX XXXX XXXX  XXXX {$7800.00} Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : equifax Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received my second notice from XXXX XXXX that my Credit Score has dropped 30 points at a second Credit Bureau in the past week and I'm not sure as to why, the account in question has never nor is it currently behind. The Creditor says that they submitted the amount that is currently due this month and before I could pay it on XX/XX/2018, XXXX and Experian has dropped my credit Score by 30-60 points and I would like to know why? A Rep a Experian said that it is because I exceeded 30 % of my total approved limit  for that particular card and that Creditors do not want you to exceed that amount because they feel you are in debt and you can't pay it back. I understand that, but, shouldn't I at least get a chance to pay it before I get a penalty? We had a situation with my car this month and I put the one time charge on my card not knowing that I would suffer a penalty, isn't that part of what you get these cards are for? I wouldn't normally complain but this policy doesn't make sense, the bureaus say that this limit is designed to stop you from defaults but, if I have a low limit card ( say about {$3000.00} ) and it goes over a {$1000.00} I get a penalty. They say that you are High Risk of not paying it back but, if I have a card that is limited to say {$11000.00}, I can charge $ 3200+ and I'm fine and I'm doing a great job ( credit Wise ), even though I'm at a greater financial risk, Why? The government needs to have the bureaus explain this to consumers before you get this penalty. The Bureaus need to explain who and how these limits are determined. The bureaus are setting the limit on what you can use in any given month, SHOUD N'T THEY BE THE ONES APPROVING THESE CREDIT CARDS ALSO? What is the point of a creditor giving you a limit, if the bureaus aren't going to let you use it? The Bureaus have the power to destroy a persons life in seconds, but, once they give you a mark, it takes month to years to try and straighten it out, Why? The bureaus say that my credit standing is excellent, but I have a risk and usage level of only 30 %, Why? This is submitted as a General Use Statement and if you request further documentation, I can provide it.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.