23daVinci/CFPB_Complaints huggingface dataset:
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: Mortgage

Five months in a row, Wells Fargo has failed to send me a monthly statement so that I can pay my monthly HELOC mortgage payment. I have called, or attempted to call, many many times. Wells Fargo 's various reactions to these calls have included rejection, skepticism, indifference, and condescension. There have been promises to contact me which have not been kept. Any number of times, they have acted like there's nothing wrong to fix. Several weeks ago, Wells Fargo sent me a letter stating that the problem had been fixed, but I did not receive my monthly statement that should have been sent in early XXXX, so the problem was not fixed.
Product: Debt collection

I recently received a letter and calls from Midland funding trying to collect on two debts- XXXX ( XXXX ) {$1400.00} and XXXX XXXX ( XXXX XXXX ) {$1000.00}. I tried to explain that I had paid the XXXX account XX/XX/XXXX but they informed me that they have no records and I have to pay and offered 10 % off both accounts if I decide to Settle. I went ahead and set up payment arrangement and they're to take {$25.00} per account the month of XX/XX/XXXX and starting XXXX, {$100.00} each. After I had set up the payments I found the receipt of the settlement agreement for XXXX-XXXX of the cashiers check. I need this to be corrected and removed from my credit.
Product: Debt collection

In XX/XX/XXXX I received a notice that I had a new collection on my credit report. Not knowing anything about it I quickly looked up the company and reached directly out to them. They said it was an attempt to collect a debt for XXXX in the amount of {$280.00}. I told them I was unaware of any debt owed XXXX and that I closed my account with them in early XX/XX/XXXX paying any outstanding balances and that the account was closed paid in full. I also said that I didn't want a {$280.00} debt to create a collection on my account so that I was willing to pay it in full to remove it from my report. They said that it would be and so I paid the debt on XX/XX/XXXX, it reflected in their system on XX/XX/XXXX as being paid in full. I then waited until XX/XX/XXXX to check my report again, in which it showed the collection still on my report. I contacted RPM once again and inquired about the collection removal from my report at which time they said that the removal hadn't been processed and to give it until the end of the month to check my report. I waited until XX/XX/XXXX and the collection was still on my report so I called back. This time they told me point blank that the collection would not be removed so I asked to talk to a manager which then lead to be being put on hold for almost an hour and then hung up on or disconnected 3 times before I was finally able to talk to an account administrator. Up talking to them I asked them to verify when the initial notification of the collection was made, they said that the letter was mailed out on XX/XX/XXXX, the collection was listed on my credit reports on XX/XX/XXXX a full 3 weeks before any attempt at notification was made. I then asked where the letter was sent to and they could only provide me with the updated address I gave them XX/XX/XXXX during the phone call in which I paid the debt. When I explained to them that the letter never arrived and that they didn't have my current address on XX/XX/XXXX when they claimed to have sent out the letter they continued to say that it was not policy to remove any derogatory information once it is posted. I then proceeded to ask about the previous phone calls in which I was instructed by their agents that the information would be removed from my report, mainly the one from XX/XX/XXXX, they confirmed that they had talked to me on the prior dates but no information from those calls was available. Had any reasonable attempt been made by RPM or XXXX to collect this debt it would have been paid before being allowed to reflect as a collection on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Credit Reporting and Failure to Address Disputes Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally report the inaccurate credit reporting practices of the following financial institutions and credit reporting agencies : XXXX, Equifax, and XXXX. Despite my repeated efforts to dispute incorrect information on my credit reports, these entities have failed to adequately investigate or resolve the inaccuracies, violating the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint : XXXX. XXXX  XXXX Late Payments : I dispute the reporting of late payments for my XXXX XXXX account. 
The creditor failed to credit payments appropriately under 15 U.S.C. 1666b, which mandates payments be credited as of the date of receipt. 
These late payments are inaccurate and have negatively affected my credit score. 
XXXX. Erroneous Accounts on My Credit Reports : The following accounts are inaccurately reported and remain unresolved : XXXX  XXXX Charged-off balance of {$190.00} XXXX XXXX  XXXX XXXX XXXX of {$180.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$10000.00} XXXXXXXX XXXX XXXX XXXX  XXXX XXXX {$930.00} XXXX XXXX XXXX  balance of {$2900.00} XXXX. Failure of Credit Reporting Agencies to Investigate : Despite filing disputes directly with XXXX, Equifax, and XXXX, the disputed information has not been adequately investigated or removed. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy and completeness of the information they report, which has not been upheld in my case. 
XXXX. Identity Concerns and Data Breaches : My personal information was compromised in several data breaches, including the Equifax breach. 
I believe this has contributed to inaccuracies on my credit reports that need immediate correction. 

Impact of Inaccuracies : These reporting errors have caused significant harm, including : Damage to my credit score. 
Denial of credit and higher interest rates. 
Emotional distress from the ongoing disputes. 

Requested Resolution : I request the CFPB to : XXXX. Investigate these reporting errors and ensure that XXXX, Equifax, XXXX, and the listed creditors comply with federal laws, including the FCRA and 15 U.S.C. 1666b and 1692c ( c ). 
XXXX. Require the removal of the following accounts from my credit reports : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Hold the reporting agencies and creditors accountable for their failure to address my disputes and verify the accuracy of their records. 


Thank you for your time and attention. I trust the CFPB will take swift and appropriate action to address these violations and protect my rights under federal law. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per complaint XXXX Experian has requested authorization and this is my formal authorization requesting for investigation regarding complaints that was given per prior complaint. This account has several errors and inaccurate information being reported. Attached is my ID to show proof of my identity of my authorization. 

Thank You
Product: Checking or savings account

I have been a long time customer with US Bank, I have a checking account, a debit card and a savings account along with two credit cards with USBANK. 

Since XXXX of 2018, US Bank 's Debit Card chip stopped functioning. 

I called and had a replacement sent out, it did not work -- every place I use it gets an error. So I called and they sent another card. 

THAT card chip doesn't work. 

So every time I use it, I get a decline notice, I have to have the cashier try again and again and again until the system allows them to bypass the chip. 

I called in XXXX twice, XXXX, XXXX and XXXX. 

US bank only offers to replace the card which requires me to update all my billers, only to get the same result of the card not working. 

Clearly a pattern has been established after 3-4 cards now that there is an issue with the chip manufacturer or technology and rather than address it US bank just keeps sending out bad cards. 

I've asked that they investigate, but I've been told its not something they can fix, investigate etc. 

At this point my money is not available to me. I can not use self service stations. I have to beg cashiers to run my card until they can bypass the chip technology. THis has to be addressed.
Product: Credit card

My AMEX card was compromised. They decided to cancel my account. In the process, they forfeited my reward dollars instead of instructing me to cash them out. Unethical, unfair, borderline fraud. At the least, the worst customer service i have experienced in my life. Just straight up theft.
Product: Credit reporting or other personal consumer reports

I have made several dispute to Experian, Equifax and Transunion and requested that they send me information on how my account was investigated. My identify has been stolen a police report was sent to the three bureaus and they have not sent me any information was investigated. I have so inaccuracies on my report. I never lived in Colorado and yet I have an address on my report saying I lived there. Some accounts on my report is not mine and I have requested they be removed and investigated but it has not.
Product: Debt collection

Debt collector has falsely represented itself as working in real-time with my former wireless carrier ( XXXX ). I have alerted them several times to a dispute I have over the amount alleged as my debt, as well as alerted them to a complaint I have with XXXX lack of accurate customer service, or possible intentional misconduct. Requests I have made to have debt collector and XXXX verify my claims of overcharging and deceptive business practices have gone fully ignored. Debt collector tried to furnish xeroxed copies of disputed records as " debt verification. '' Debt collector continues to portray itself as a 3rd party, in the employ of XXXX. The more likely scenario is that they bought the debt from XXXX, and are trying to squeeze every dollar they can out of me.
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am Filing a complaint with CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any incoming deposits.Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to insure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I use to hold a credit card of XXXX that was provided by XXXX XXXX [ the account was closed by the bank ] but the report that was submitted to the bureau of credit that customer closed the account. I disputed the information direct with wells fargo on XX/XX/year>. And they send the information to the executive office but they only talk about they had the right to closed it, and I don't denied that but I am asking to fix the wrong information provided to the bureaus of credits, they event told me to go to court...
Product: Student loan

In XXXX I took out a Parent Plus loan for my son. Over the years the loan was consolidated with XXXX and paid off prior to the pandemic. After the pandemic pause, I started receiving calls and mail from Mohela stating I owe them for a parent plus loan. All of my student loans were consolidated with XXXX and I have documentation from XXXX that all loans were paid. My thought is that when the pandemic pause ended Mohela used some bad records. I have asked them to send me historical information on this loan. The only thing they have provided was statements after the pandemic pause and nothing before. I think this is because again XXXX was my only servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Requested Validation of the following account that Equifax continues to report on my credit file : Bankruptcy # XXXX. Equifax lists XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2018. On Wednesday XX/XX/2018 I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with XXXX agent ID # XXXX and she informed me that a security freeze was placed on my account as of XX/XX/2018. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On Wednesday XX/XX/2018, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with XXXX agent ID # XXXX and she also advised me that my security freeze was confirmed and set into place as of XX/XX/2018. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/2018. I demand that this public record Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax 's so-called 'verification? on XX/XX/2018 WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. Equifax has FAILED to validate this bankruptcy and is in violation of the FCRA. All they send is a XXXX XXXX address and a statement saying 'the account is verified. I demand that this unverified account : Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE.
Product: Credit card or prepaid card

I received a text message from XXXX XXXX XXXX this evening indicating suspected credit card fraud. The message stated that the bank was freezing my credit card and that I could call a particular telephone number to reactivate it. I called that number and have been waiting over 30 minutes on hold. TO ADDRESS SUSPECTED CREDIT CARD FRAUD. 

This is a huge deterrent to the timely resolution of fraud issues and, quite frankly, unacceptable customer service. Unfortunately, it's par for the course for XXXX XXXX XXXX. Rather than the exception, 30+ minute wait times are the rule when it comes to contacting them via telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account with I.C. Systems on multiple occasions. I don't know what it is and to help my credit score i was actually tricked into paying it as i '' m tired of dealign ith it and i was told it was going to be removed! Now not only is it reporting differently on each bureau which is a violatoin of the FCRA there is a different balance reported! I mean what kind of lies can a company get away with? this is ridiculous. this needs to be removed. It's reported as an open and current account with XXXX and each bureau has a different payment status and a different date of last active. come on. HOW IS THIS OKAY? My next complaint is with the attorney general.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been with XXXX XXXX since 1998. I have always had good credit but chose to just use 1 card. I had some Fraud go on with my account to BMO removed my history and my credit score went way down. They have only bought XXXX XXXX in the last few years. I need BMO to correctly report the following which is the facts : I have had XXXX  XXXX since 1998 I have credit limit of {$15000.00} I have never missed a payment. 

Please reflect this correct information to the 3 credit agencies ASAP. 

XXXX XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX, New York XXXX
Product: Credit card

I have a Citibank credit card. I went to a Citibank branch on Monday, XX/XX/2024, to make a credit card payment. I gave the bank teller my valid drivers license and cash for my minimum payment due. The teller refused my cash payment because I dont have a Citibank deposit account. I informed the teller I am a Citibank customer and making a payment for my Citibank credit card. Again, she refused to take my payment because I dont have a Citibank deposit account. I dont want a Citibank deposit account. I need to make my credit card payment in order to avoid a 30 day late payment which could have a long term negative impact on my credit reports and scores. Citibank prohibited me from making a payment to my credit card. This is egregious. A deposit account is irrelevant. A customer is a customer. No customer should be denied the ability to make a payment. This is an unfair and abusive act.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as filing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes.These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 

Disputed Accounts 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

I am writing to request the immediate blocking and deletion of the accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} NXXXX XXXX XXXX - XX/XX/XXXX - {$2500.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Hello I was just writing in regards to some accounts that were settled and satisfied. but the creditors are still refusing to remove them from my credit reports. this is causing alot of problems for me to get approved for a loan. I asked for the accounts to be remove permanently. please help me with this if you can. thanks.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the urgent removal of inaccurate information from my credit report, maintained by Equifax. Despite my previous efforts, including a report submitted on XX/XX/scrub> 2023, these inaccuracies remain unaddressed. This situation requires immediate attention and resolution. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, mandates that credit bureaus ensure the accuracy of the information on credit reports. Additionally, under consumer law, any information that can not be verified must be promptly removed. The failure to respond to my initial report and the subsequent inaction has caused undue harm to my credit score and financial health. 

As a result, I am providing you with a final notice to rectify and remove the inaccurate information from my credit report within five ( 5 ) business days from the date of this request. Failure to comply will necessitate further action, including contacting the Consumer Financial Protection Bureau ( CFPB ) to monitor this situation closely and ensure compliance with federal regulations. 

Please find below the details of the inaccurate information for your reference : I trust that you will address this matter with the urgency it warrants. Please do not hesitate to contact me should you need any more details or documentation to facilitate the resolution of this issue. 

Thank you for your immediate attention to this urgent matter. I look forward to your prompt response and assistance.
Product: Prepaid card

I purchased a prepaid AMEX card and under the terms and conditions. It says that it can be added to XXXX XXXX. However, that is not the case as it is not adding to my wallet. Now there is no way to even use this card as it is a virtual card. I would have to add it to my XXXX XXXX in order to use it. I have tried everything and it will not work. Ive also tried to add to XXXX XXXX XXXX  and XXXX at this point I would just like to be refunded my {$25.00} American Express is not helpful with the situation at all. I purchased this gift card through XXXX, which is a fundraising organization through my girls competitive cheerleading program. It showed up right away once ordered in my XXXX account, but I am finding it impossible to get it added to my wallet. I have spent hours and I am extremely frustrated with no solution.