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

My account with XXXXDEPT OF ED was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX/DEPT OF ED never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

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

XX/XX/year> Subject : Formal Complaint Against Equifax for Failure to Correct Inaccurate Late Payment Reporting.

To Whom It May Concern : I am filing a formal complaint against Equifax for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> ), my requests have been ignored. This ongoing inaction constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of erroneous late payments on my account by Equifax directly breaches this legal requirement. Furthermore, 15 U.S. Code 1666b mandates creditors to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this statutory requirement.

TILA Violations The Truth in Lending Act emphasizes the necessity of accurate and timely disclosures to consumers. The misreporting of late payments on my account has directly harmed my creditworthiness, which TILA aims to protect. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act highlights creditors ' responsibility to provide timely statements, preventing unfair penalties to consumers. The continued inaccurate reporting violates this protection, unjustly affecting my financial stability. 
Payment History and Errors Across Credit Bureaus Equifax shows incorrect entries in my payment history : XXXX : Erroneously reported as 30 days late. 
XXXX : Marked incorrectly as 60 days late. 
Days Late - 7 Year History : Equifax has also listed two 30-day and one 60-day late entries, despite previous disputes indicating these are inaccurate.

Lack of Resolution Since Previous Dispute Despite submitting multiple disputes, each bureau has continued to report these errors without change, damaging my creditworthiness and violating my rights under the FCRA and TILA. The inaction on these inaccuracies has resulted in ongoing harm to my credit profile and financial stability.

Desired Resolution Immediate Removal : I am formally requesting the immediate removal of all inaccurate late payment notations from my credit report, including assurances of corrected and accurate reporting across all three bureaus. 
Written Confirmation : Please provide written confirmation of these corrections once the inaccuracies are removed. 
If this issue is not resolved promptly, I will escalate my complaint, potentially involving legal action and further complaints with appropriate consumer protection agencies. 
Thank you for your attention to this matter. I look forward to a swift and accurate resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. XXXX not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. 
XXXX  XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$380000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX someone used my identity to attempt to apply for a Walmart Credit Card with XXXX XXXX. I contacted Synchrony immediately when I received the alert from my credit monitoring service that someone had attempted to open an account. I notified them that the account was fraudulent the same day. I was told they had to investigate before the inquiry would be removed and given an address to mail a written request for removal. I wrote a letter and sent the request to XXXX XXXX XXXX XXXX, FL XXXX as I was instructed. I was told that they would send me something in the mail. I have not received anything from them. I called back on XX/XX/XXXX and was told it was still under investigation. None of the information on the application matched my information except my name and social security number. I already had a fraud alert on my credit report advising them to contact me before accepting any applications and no one contacted me before this inquiry was placed on my report. I want this inquiry removed it is affecting my score and it is fraudulent.
Product: Bank account or service

My bank Wells Fargo Bank offers an " Alerting '' service on my accounts. I opt to get notified via email and text message for overdrafts. The message is titled " Overdraft Protection Advance Notice ''. That implies that I will be notified in advance and I will have the opportunity to correct my balance in order to avoid overdraft fees. However, those " alerts '' are only sent the day after the charges are actually charged to my accounts. This is blatantly deceptive and should result in a class action law suit.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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! 

Delete the late payments from my consumer reports
Product: Student loan

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Debt collection

I have just received a response from Capital One regarding an alleged account ending in XXXX ( CFPB Complaint Number XXXX ), wherein Capital One has claimed I still owe a balance and has ignored my demands to see the contract I signed to open such account. 

I will be clear in stating I have never opened an account with Capital One, any account, as I never sign contracts of a financial nature, and of the nature Capital One alleges I have done. 

I did receive Capital One 's " Fraud Affidavits ''. And as I have told the Capital One representative when I called in to speak about this alleged account regarding this, I am not the party needing to provide proof here. I do not contract online, so I am demanding proof and to be able to view the contract, with my signature thereon, agreeing to this contract Capital One alleges I have opened. 

I will not fill out paperwork giving up my personal, sensitive information and identification. Capital One is in no place to make demands from a contract that is void ab initio.

Show me said proof of this debt, or there is no such debt.
Product: Student loan

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

EDFINANCIAL XXXX Balance {$0.00} EDFINANCIAL XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has violated my rights under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose They continue report late payments when its illegal to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report on XX/XX/2023 after I requested an investigation into a serious matter with the items being reported. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX . These items where never verified nor have I ever entered into any contracts with these corporations. According to 15 USC 1681 ( a ) ( 4 ) My right to privacy has been violated and now I am seeking further action against these corporations. Equifax has taken action by removing XXXX XXXX XXXX XXXX which indicates that there is no legit reason for the account to still be reported with the other agencies. However the other account XXXX XXXX XXXX needs to be removed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent to Equifax on XX/XX/2020 via USPS Certified Mail # XXXX containing a direct dispute of the items in question under 15 U.S.C. 1681i, Section 611 ( a ) ( 1 ) ( A ) as well as a Memorandum of Points & Authority under FCRA 604, 609, and 611, Fair and Accurate Credit Transaction Act ( FACTA ), and Consumer Financial Protection Bureau ( CFPB ). Equifax was asked to provide completeness of records and valid proof of verification ( s ). The letter/matter did not get the attention it deserved as no valid proof or evidence was provided, amounting to entries/statements being made and " verified/validated '' without first-hand knowledge ( which is a crime ). The matter is hindering my ability to obtain credit/financing as well as infringing on my right to Life, Liberty and the pursuit of Happiness. Thus, escalating actions are being taken. [ Evidence Attached ]
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. 

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, 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: Money transfer, virtual currency, or money service

We, XXXX XXXX XXXX XXXX, wire transferred {$7800.00} on XX/XX/2020 from our Wells Fargo account/ XXXX PORTAL, to XXXX XX/XX/XXXXXXXX , XXXX XXXX XXXX XXXX XXXX XXXX Because we listed the beneficiary account number as same as ABA number of XXXX. So the beneficiary never received the money. We opened a recall case, case # XXXX, with Wells Fargo on XX/XX/2020. After two weeks Wells Fargo closed the case with a reason of no response from XXXX. We called Wells Fargo again and reopened another case. Same answer again on XX/XX/2020. We called XXXX and they answered the phone and said the fund of {$7700.00} was returned to Wells Fargo on XX/XX/2020 with a tracking number of XXXX  XXXX # XXXX. XXXX changed {$25.00} for bank service fee so there is a difference between the amount we wired and the amount refunded. 
We have called the Wells Fargo almost every day after XX/XX/XXXX, XXXX to now. Wells Fargo representatives refuse to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right to submit a dispute. I have sent this letter via certified mail with tracking and signature required as well so the company can not say they did not receive it. They will have the information 2x.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several incorrect Accounts on my consumer report. I contacted the XXXX Credit Bureaus about it and it was said that the information is correct and i should contact the XXXX. I did and had no resolve about the issue. I was asked to contact the bureaus about it. On several attempts I was sent back and forth without any resolve of this issue. 

I contend that a charge-off is deemed an income and should not be reported on the credit report as a debt.
Product: Credit card or prepaid card

I have two accounts with Citi card that I have had issues with for years. I recently paid off both cards and am still getting a bill for just over a hundred dollars on each. I have confirmation numbers from choosing to pay off the entire balance but Citi cards is just trying to continue to take money from me. They have impossible to use customer service and I have spent hours trying to get someone on the phone. They outsource their customer service to other countries and when you finally do get someone you are not able to get your issues resolved because none of them have the ability to actually do anything. So I paid thousands of dollars to get out from underneath these two cards and they are still making sure I can't. I need help.
Product: Credit reporting or other personal consumer reports

I submitted a formal complaint to Volvo Car Financial Services regarding the inaccurate reporting of a charged-off account on my credit report. Specifically, I raised concerns about the company 's failure to provide the required Form 1099-C for the canceled debt, as governed by the Internal Revenue Code ( IRC ) Section 6050P.

In my initial communication, I clearly requested the issuance of Form 1099-C for the charged-off account. The reporting of canceled or forgiven debt, including the issuance of Form 1099-C, is governed by the Internal Revenue Code ( IRC ). Specifically, the relevant section is found in Title 26 of the United States Code. The primary provisions related to cancellation of debt income and reporting requirements are outlined in IRC Section 6050P.

Here are the key sections of the Internal Revenue Code that pertain to canceled debt reporting : IRC Section 61 ( a ) ( 12 ) : This section defines gross income to include income from the discharge of indebtedness.

IRC Section 108 : This section provides exclusions from income for canceled debt in certain situations, such as insolvency or bankruptcy.

IRC Section 6050P : This section outlines the reporting requirements for discharges of indebtedness by certain entities, including financial institutions. It requires the filing of Form 1099-C when applicable.

Despite this request and the company 's commitment to resolving the matter, Volvo Car Financial Services has not provided the necessary documentation.

The inaccuracies in reporting have the potential to impact my ability to accurately report canceled debt on my income tax return. The company 's response did not address these concerns adequately, and as of the current date, the issues remain unresolved.

I appreciate the opportunity to provide this information as part of the complaint process. I request the issuance of Form 1099-C for the charged-off account promptly, in accordance with IRC Section 6050P. If further details or clarification are needed, please feel free to reach out to me XXXX XXXX XXXX XXXX at XXXX email XXXX and mail the 1099 c copy to XXXX XXXX XXXX # XXXX XXXX, Texas XXXX
Product: Mortgage

I have applied for loan modification since XX/XX/2022. They stated once my information was received we can continue paying the mortgage. Everything was sent that was requested with even more information on top of it. The income was more than XXXX of the value of the house. They have proof I can pay for the mortgage but have denied the re modification. They keep stating to send the information again. I do and its the same thing all over. Have been on the phone with them religiously about 3 or more times each month trying to get this straightened because you have to wait a while before they process the paperwork. I uprooted my life with XXXX small children from XXXX  back to XXXX to save my childhood home with the guarantee from them that the loan under my father could be remodified with no issues. He is XXXX so I will be living in the home with my family and keeping it in our family for years to come. They state there is nothing else they can do. We were trying a different option which they told us we could which was to refinance through an outside bank. But they will not give us the requested paper work to do so. They are stopping us from refinancing as well as remodifying this loan. We dont know what else to do. I can not be evicted with XXXX small children and nowhere to go. I have given them everything I could. Documents after documents proving I can pay the mortgage today or tomorrow but they refuse everything.
Product: Payday loan, title loan, personal loan, or advance loan

l applied for a loan and was denied I contacted their underwriting department to fix a false and misleading denial of my unlimited credit based on title 15 subsection 1611 they have refused to fix this issue and is in violation of this title under federal law I have tried everything when I call they transfer me to the wrong department every time just trying to avoid me the company is U.S BANK
Product: Credit reporting or other personal consumer reports

I recently discovered several accounts on my credit report that I do not recognize, which I believe are the result of identity theft.
Product: Credit card

i have reviewed a copy of my report and i saw numerous fraudulent accounts that I wanted to remove w/ Experian as soon as possible. Kindly help me remove the following : XXXX XXXXXXXX # XXXX ; date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX ; date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to the dealership and they said they will only have XXXX pull my credit but they had cXXXX XXXX  do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 


XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am disputing the account XXXX XXXX XXXX XXXX  XXXX. I have received a copy of my consumer report, i noticed late payments posted on my consumer report In reference to above account. Your company is in clear violation of the law by posting late payments. THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all late payments from the above account. I do not consent to e-oscar or any automated means of verification.