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 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! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

Capital One XXXX asked me to provide our physical address earlier this summer, presumably due to law. The Post Office in our area does not deliver mail, so our bill comes to our Post Office Box. 
I called the number on their request letter twice and gave them the physical address twice. In XXXX, I was trying to check into a hotel and was told my account was restricted. I called Capital One again, and was told, for the 3rd time, that I needed to provide my physical address ; I provided it a third time and the restriction was removed. Today, I found out my account had been closed. I called Capital One and guess what ... .they closed the account because " I had not provided them the information they needed '' ... .MY PHYSICAL ADDRESS ... .AGAIN ... FOR THE 4TH TIME!! So now I have to wait anywhere between 7 and 10 days for the account to be reactivated. Time to find another credit provider.
Product: Credit reporting

Equifax '' response to XXXX " Equifax has reviewed your complaint and its records regarding your dispute. XXXX account XXXX has been verified correct as reported by the data furnisher. The open date is XXXX/XXXX/2015, the closed date is XX/XX/2015 and the months reviewed is XXXX. No payment history was recorded by the data furnisher for XX/XX/XXXX through XX/XX/2015. Please be advised that scores are derived from a mathematical formula which calculates elements on the credit file. Information is reported to Equifax continually, thus the file content may change as well as the score. Please also be advised that creditors have their own criteria for granting or denying a service or benefit based upon the score. Please contact your Creditor 's directly in regards to their evaluation of your credit score. 

The XXXX- Closed Tradeline, was reporting the pay history accurately, despite your response. Please see attached, my credit report from EQ - XX/XX/2015. 
EQ actually stored pay history, please see Pay Pal attachment, which was attached to the original complaint XXXX EQ updated this account and caused issues - with the Pay History. 

THE ACTIVITY DESIGNATION - says NA, and should not. This account is PAID/CLOSED. 
Because this account is showing in this manner - the PAY HISTORY is erroneously populated with NR, when XXXX has n't reported on this record in more than a year. 

The account, is now Incomplete - and inaccurate. 

Please put the account history back to the state of which the furnisher provided it to you, PAID? CLOSED its status - or DELETE the account..
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2018 I've been sending Equifax dispute letters. Disputing all inaccurate, misleading, erroneous, incomplete and old account that should not be there. But time and time again Equifax refuses to follow federal law. In accordance to FCRA rules. Although I've sent Equifax several certified mail asking them to either validate or remove all inaccurate, incomplete, old and misleading information from my credit report. They are still reporting these unverified account as accurate. Without any physical evidence or documents as required by federal law. Equifax is clearly in violation of the FCRA.
Product: Credit card or prepaid card

I had a credit card with Macys and due to some charges on my account I was unaware of for " Credit Protection '', which I did not sign up for, I had late charges added to my credit report by Macys for XXXX 2018. I had a {$0.00} balance that I was aware of and because of these unauthorized charges they put 60 days late charges on my credit. I was not informed until they were already reported, then I received a letter from them. When I found out I paid this off to clear it up and have it removed from my credit report even though I disputed it. They refused to remove from my credit report and I have continued to dispute with the credit agencies, continued to call Macy 's to complain and ask for the reporting to be moved, yet nothing had helped and the late payments still show.
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 XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX 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 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

Im accordance with the fair credit reporting act XXXX  account XXXX XXXX XX/XX/XXXX, XXXXXXXX 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  XX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

The VA loan on my home is serviced by Freedom Mortgage which requires payment to an escrow account for the purpose of assuring payment of property taxes and private hazard insurance premiums. At all relevant times up to and including the present, I made payments through automatic withdrawal, never missing a payment and never making a late payment. 

For the year XXXX, Freedom Mortgage paid the first installment of the property taxes when due in XX/XX/XXXX, however, Freedom Mortgage failed to pay the second installment which was due in XX/XX/XXXX. I became aware of this when I did my XXXX taxes in XX/XX/XXXX and immediately contacted Freedom Mortgage on XX/XX/XXXX, explaining the situation. On XX/XX/XXXX, Freedom Mortgage paid the delinquent taxes, as well as a {$220.00} penalty which had been assessed by the county for the late payment, using funds in my escrow account. On XX/XX/XXXX I contacted Freedom Mortgage and asked for the {$220.00} penalty to be credited to my escrow account. 

After receiving no response, I sent Freedom Mortgage a qualified written request on XXXX XX/XX/XXXX asking them to credit my escrow account in the amount of {$220.00}. I received a response from Freedom Mortgage dated XXXX XX/XX/XXXX stating that, according to their research, the taxes were billed annually due to a change in my principal residence status. Although, my principal residency status did in fact change due to a move overseas, this did not occur until XXXX of XXXX and did not negate the fact that the second installment of the XXXX property taxes were still due in XXXX or the fact that, pursuant to the Real Estate Settlement Procedures Act ( Regulation 1024.17 ( k ) ( 1 ), the responsibility for timely payment of the property taxes rested with Freedom Mortgage. 

In addition to losing the {$220.00}, I also lost the opportunity to deduct the full property tax amount from my XXXX taxes. I have also spent considerable time attempting to resolve this issue with Freedom Mortgage without success. I am requesting that Freedom Mortgage credit my escrow account in the amount of {$220.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, my client paid me {$4000.00} via wire from their account at XXXX to my business account at XXXX XXXX XXXX XXXX that was managed by Wise. ( https : //wise.com/ ) Also on XX/XX/2023, XXXX XXXX XXXX XXXX and Wise formally ended their working relationship. 

I received one email message from Wise notifying me about this transition on XX/XX/XXXX : " Your old account details will continue to work until XX/XX/2023. After that, any payments sent to these details will automatically be refunded to the sender. '' Based on this language, it was unclear whether the wire would go through or not. I contacted Wise and was told it would not go through and the money would be refunded to my client within 5-10 business days. By XX/XX/XXXX, my client had still not received a refund, so I escalated the issue with Wise via email and phone, providing official proof of payment as requested. 

It's now XX/XX/2023, and still no refund. I've uploaded requested documents with no followup, and talked to customer support multiple times. No one can provide a date the money will be returned and Wise is refusing to take responsibility for their mess. 

It was only once I quoted Wise 's transaction agreement that a Wise agent started to take my issue seriously : RIGHT TO REFUND You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if Wise US Inc. does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. 
If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. 

If you want a refund, you must mail or deliver your written request to Wise US Inc. at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX or via email through our Help Center. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to Section 2102 of the California Financial Code.
Product: Checking or savings account

I have accounts with bank of America for long time, I transferred XXXX dollars to my savings account from my checking account for some emergency fund on XX/XX/2021 and the bank took it away from my account without notifying me, i received a letter later and called the XXXX number but the bank employee was very rude so then I made an appointment with the bank staff and went there spent about 3 hours with no solution and left, the bank manager assured me on XX/XX/XXXX that she will follow up but till now I have not heard from them. this is very hurting emotionally and physically, I am chronic XXXX XXXX patient it took me long time to recover. This money was taken because they said once upon a time my husband owned the business which I am not aware of, he does not remember either. This is wrong done but not taken care by the bank.
Product: Credit reporting or other personal consumer reports

Bureau Name : Bureau Address : [ Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Incorrect Birth Year : XXXX  Correct Birth XXXX
Product: Credit reporting or other personal consumer reports

Reporting agencies XXXX, Equifax and XXXX are in violation of the FCRA act. I have damages from this violation of them reporting information on my credit report from identity theft. According to the Fair Credit Reporting Act ( FCRA ) Section 605B It is illegal to report information on my credit report without my permission. Please remove the following accounts and inquiries that i did not authorize from my reports : XXXX XXXX Acct # XXXX, XXXX XXXX for the amount of {$2800.00}, XXXX XXXX for the amount of {$55000.00}, XXXXXXXX XXXX Acct # XXXX for {$6100.00}, XXXX XXXX XXXX XXXX  Acct # XXXX for {$13000.00}, XXXX XXXX XXXX XXXX Acct # XXXX for {$100.00}, XXXX XXXX Acct # XXXX for {$190.00}, XXXXXXXX XXXX for {$16000.00}, XXXX XXXX XXXX for {$980.00}, XXXX XXXX XXXX XXXX for {$5300.00}, XXXX XXXX XXXX XXXX for {$2300.00}. INQUIRES : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX for {$59000.00}, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX 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 Please remove these accounts and inquires. I have already submitted a copy of my FTC Report and Police report to all 3 Bureaus numerous times and nothing is being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to dispute a duplicate collection account on credit report. Online dispute does not list this as an option on their site so tried account closed. Report stated all information was correct. Attempted to call to verify results, unable to talk to a person. No menu options lead to dispute or customer service representative. When you don't select an option it hangs up on you. Was able to reach XXXX and XXXX to resolve problem. Not able to reach anyone at Experian to correct this.
Product: Payday loan, title loan, or personal loan

I am unsatisfied customer of Title Max. When I opened my title loan the representative gave me a total debt of {$1300.00} due to be taking out a loan of {$1100.00}. He assured me that I had 12 months to pay off my loan as long as I made the minimum payment of {$190.00}. I have made 4 payments. Yesterday for {$250.00}, XX/XX/XXXX for {$190.00}, XX/XX/XXXX for {$200.00} and XX/XX/XXXX for {$200.00}. Once I checked my balance on the online portal I noticed that the debt balance of {$1300.00} had not decreased. I called and asked why hadnt it and how I should have a balance of {$500.00} and I would be settling it and closing out the account next week. Title max assured me that I could not close my account and that my balance was still {$1300.00}. TitleMax then stated that my monthly payments were for the customary fee. However I was not informed of a customary fee outside of the minimum monthly payment of {$190.00} that I was told to make. I have called the customer services for hours this entire week and every one is selling me the same pitch. I then conducted a research and seen several articles referring to Title Max mispresenting their loan to other customers. I was then lead to your company and spoke with a representative who told me that the article and actions were taken in the year XXXX so she did not know what would be the appropriate steps due to this happening to me now in the year XXXX. She advised me to contact Title Max and request an enforcement action. Title Maxs XXXX District Office contacted me and declined that request. Title Max dismissed my case with a bland statement asserting that they know the manager XXXX. Title Max stated that XXXX has been with them for 8 years and would not have told me I had more than 30 days to pay off my loan. Implying that I am liar and he is credible due to longevity and relationship. This is unfair. This is injustice at its best.
Product: Checking or savings account

On XX/XX/XXXX I deposited a {$20000.00} cashiers check into my Bank of America Business Checking Account. 

I was told by customer service over the phone the funds would not be available until Wednesday XX/XX/XXXX, due to the XXXX holiday. 

When I made the deposit a hold was placed until XX/XX/2019. I immediately called back and was told that date was selected because I deposited via an ATM but the check would be verified on Monday and Released on Wednesday. 

I called on Monday to verify this information and was told the cashiers check could not be authenticated and the hold would remain until the cashiers check could be verified. 

I called again on Wednesday when the funds not the release date were updated and was told that the hold would not be lifted at all but transactions will be honored after the XXXX. I called chase ( the issuing bank ) and was On Thursday my regularly scheduled payments were returned NSF and fees were assessed. I called XXXX to verify process of the cashiers check and was told that it was paid on Monday, XX/XX/XXXX. 

When I called BOA they told me the funds are not verifiable and the Cashiers Check indicates items might be returned. XXXX has verified the check and paid it. 

Which I explained. The call was then upgraded to Supervisor by the same os XXXX who stayed that the funds will not be released before XX/XX/2019 based on the fact that My Account was overdrafted and they were not going to get a verification they were going to wait for the actual funds to arrive. She also stated it can take 7-10 business days for the Federal Reserve to release funds Ive {$10000.00} so the release date might get pushed out again. 

To punish a business for being overdrafted ( especially when overdraft is less than {$500.00} ) and withhold funds seems excessive and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was reported to the credit in XXXX of 2014 for being late by XXXX, I was not late with my payment. There system would not let me make my payment and made a complaint about it. My late charges was removed and I was told I would not have it show on my credit report. Well they still reported it. for years I've been filling complaints, writing letters, calling and ects. and dispute on this matter and is getting fed up. I still have my account with this company and still hold this account in good standards with no late payments. This matter is damaging to my credit report and credit score. 
This is getting frustrating ... 
Please Help i am unable to submit any upload since I am using a public computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Even though I had applied for the loan more than an year back as Taylor Morrison builder required all its customers to apply for a loan and get pre-approval to sign any house contract with them. I never intended to take any loan from them. I then have withdrawn my permission that I gave them on XX/XX/2022 in an email asking them to never again pull my credit without my consent. That email was XXXX and XXXX. I even git acknowledgement from them. But suddenly out of no where, they pulled a hard inquiry on my credit history without my consent. I never intended to take loan from them.