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

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to dispute inaccurate information appearing on my credit report for accounts with XXXX XXXX XXXX and XXXXXXXX XXXX. For the past two years, all three major credit bureaus ( XXXX, XXXX, and TransUnion ) have been reporting incorrect information about these accounts. 

I have contacted both XXXX XXXX XXXX and XXXXXXXX XXXX on numerous occasions to address these discrepancies. Unfortunately, these attempts to resolve the issue have been unsuccessful. The reported information includes inconsistent late payments and account statuses that do not match reality. 

I request your assistance in having these inaccurate entries removed from my credit report as soon as possible. 

Thank you for your time and attention to this matter. 

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

Please Check the information concerning the Equifax data breach in attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XX/XX/XXXX payment history wrong XXXX XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau XXXX XXXX XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018, the account I had with XXXX XXXX XXXX XXXX was closed and paid in full. On my credit report, it shows the account is open and is now late. It is hurting my score and making it impossible for my husband and I to buy a house. I have disputed the info with Equifax TWICE now, with supporting documents from XXXX stating that my account was paid in full and closed, and they still will not fix it. I also have included documents from the dealership stating the car is no longer in my name and showing the check they used to pay the bank in full. The other reporting agencies have it closed on my reports from them, as well as my husbands ( the co-borrower ).
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion credit is reporting a collection that has been investigated and previously removed by all 3 reporting co.this account was never mine [ XXXX ] it reappeared on XXXX and XXXX and was removed as soon as i notified them, but transunion refuses to acknowledge me, they have dropped my credit score to XXXX, XXXX XXXX and XXXX XXXX.I have filed an on-line dispute six weeks ago to no avail.I have also sent a registered letter requesting that they remove XXXX collection from my report.
Product: Money transfer, virtual currency, or money service

I attempted to send money to my mother from my XXXX account by using Quickpay by Zelle. My mothers name was used to identify her as the intended recipient but I mistakenly sent it to a phone number that no longer belonged to her. The unidentified person at that phone number accepted the money. I attempted to get money back by filing claim with XXXX because the intended recipient was obviously not the person at that phone number but my mother who was identified by her name. XXXX said that they could not refund money, that Zelle was a separate company that processes the subject transaction, and that Zelles policy when processing transactions does not take into account a persons legal name ; Zelle only uses the phone number. I attempted to contact Zelle to complain about this absurd policy hidden in the fine print of its terms and conditions, as every normal banking customer memorializes who they intend to pay by using that person or entitys name not their phone number. Unfortunately, it was impossible to get in touch with a representative and a pre-recording stated that I should contact my banking institution anyway because Zelle does not have customers personal information contradicting what XXXX advised me to do.
Product: Payday loan, title loan, personal loan, or advance loan

I have received a notice of delinquency on XX/XX/2024. Kovo has reported a late payment on to my account after stating that there is a billing error. This company is violating my rights to privacy and are violating federal laws in place for consumers 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ). This account shall be placed as current.
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 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 my 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: Checking or savings account

On XX/XX/year> a {$25.00} " monthly maintenance '' fee was charged to my Bank of America checking account. I have had this account for XXXX years and never been charged this or any fee. I made an appointment at my local branch for them to call me but they never did. I made XXXX attempts to call them however they did not answer the phone. The local Bank of America XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I called XXXX. I tried logging into my account and only had a XXXX XXXX XXXX XXXX XXXX. I tried multiple times. XXXX XXXX for a checking account seems excessive. That is XXXX XXXXXXXX. Most banks charge {$0.00}. I could easily change banks but do not want to as I have a lot of bills and pay connected to this bank. I would like my {$25.00} returned and to have them fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit bureaus are reporting seven credit cards in negative status. The negative status is because of charge off. I made agreements with my credit cards to settle the accounts for a lower price and this agreement was turned into an attack to destroy my credit. The biggest issue : this negative reporting is posted in the year XX/XX/XXXX. This is a LIE!!! I was in the hospital in the year XX/XX/XXXX and lived in a shelter in the year XX/XX/XXXX. I never had any credit cards open during this time. These credit bureaus know that they are attacking people. These credit bureaus know that they are falsifying credit information. These credit bureaus know that LIEING that my credit cards became delinquent in the year XX/XX/XXXXwill prevent me from future applications of credit. The credit bureaus reported seven credit cards delinquent in the year XX/XX/XXXX. Why wait so long to report my credit cards. I never had the cards open during this time and all delinquent cards paid in full by XX/XX/XXXX. These bureaus waited until XX/XX/XXXX to report the credit cards. THIS IS EVIDENCE OF AN ATTACK!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX  I am currently looking at my credit report and to my own detriment, I see that your company STILL is reporting my student loans very inaccurately and unlawfully, and I firmlyafter many disputed attempts to have this corrected with your company -- request an immediate deletion of these discrepant items ASAP. 
I can attest to the fact that I have never paid ANY of my student loans late for the entire lifespan of the loans, including years before the pandemic, during and afterwards as I have been on an approved forbearance/deferment. 
I contacted the US DEPARTMENT OF EDUCATION in XXXX of this year, and they show that there was a discrepancy in process ( no fault of my own, and ) my loans are current, no history of late payments and theyve recently traded my student loans to another loan servicer. They stated that they will refresh my credit reports within 45-60 days, which is far too long for me to have to wait as it is adversely affecting my credit accounts. 
Each of my credit reports by all three of the major credit agencies reflect a totally different payment history in regards to my student loans, however, one of t he agencies have no reports of late student payments the entire duration of the loan. 
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 U.S.C 1681.

Account names and info : US DEPARTMENT OF EDXXXX ending in XXXX US DEPARTMENT OF EDXXXX ending in XXXX US DEPARTMENT OF EDXXXX XXXX in XXXX US DEPARTMENT OF EDXXXX ending in XXXX and US DEPARTMENT OF ED beginning with 5106 US DEPARTMENT OF ED beginning with XXXX According to The Negative Information Notice is a requirement of Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act. This rule requires financial institutions to provide consumers with a notice that negative information may be provided to a consumer reporting agency. So, if you're going to provide negative information like they're late, or they missed the payment, something like that, to a consumer reporting agency like XXXX, Equifax, or XXXX, then you have to give consumers this notice under the Fair Credit Reporting Act. 
Furthermore, your company has violated these additional laws : 15 U.S.C. 1681 Section 602 A : States that 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 or expressed permission and 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 : 1. Any adverse items 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. 
Deeply XXXX, XXXX XXXX XXXX
Product: Debt or credit management

This is about beyond financial services number one they told me I was eligible for a consultation loan two years ago so I said okay. But two or three months after that I found out it was not a loan but some kind of consideration program I sent up direct deposit from my bank account thinking I was paying off a loan but no they were just taking money out of my account saying to pay on my debits. Not true for now I am in default with all my debts and don't even have enough money to file for bankruptcy. I feel that I got robbed. And they should pay off all the cards and loans interest and fees. And return my money they took. This money came out of my XXXX account. I see a judge ordered against beyond financial I need to be on that document and get reimbursed I lost a XXXX dollar loan to build a church because of them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX  XXXX Date Opened : XX/XX/2018 XXXX XXXX : {$9500.00}
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing these accounts. I've reached out to the bank and they assured me the issue was resolved. I've also contacted law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with XXXX and XXXX, who complied with legal requirements and removed the accounts. However, TransUnion seems to be presenting obstacles, claiming I haven't completed all the necessary steps. 

XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. 

Understanding the leniency towards banks and credit reporting agencies in legal matters, I'm hesitant to pursue a lawsuit. Despite repeatedly submitting my claim to TransUnion over six months, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. I urge the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate this case, as it appears TransUnion is failing to fulfill its legal obligation to process the identity theft report. 

I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically Identitytheft.gov, which is a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. I am overwhelmed and feel like I'm losing control. Please handle this matter with urgency.
Product: Credit reporting, credit repair services, or other personal consumer reports

My federally protected Consumer rights were violated because Equifax furnished false information without my written consent. I never gave Equifax any written instructions to furnish anything on my Consumer 's report. No consent is Identity Theft and infringement on my Consumer 's right to privacy. Based off Equifax violating my consumer rights I am unable to apply for any Consumer credit for my personal as well as my business. These violations are hindering me from purchasing a mortgage and vehicle for my family. Furthermore, I have been humiliated as well as dealing with XXXX  and stress because of these results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a XXXX XXXX XXXX XXXX and it was a voluntary repo with XXXX XXXX and they are reporting the account incorrectly and it was sold via auction. Reached out to company I no longer owe balance and report correctly but they will not respond.
Product: Student loan

I have a $ XXXX+ loan with AES and have tried contacting them several times via email AND phone over the last month and have not gotten a response yet. I receive the email stating that communication was initiated by me and that someone will get back to me within 24 hours, but no one ever does. I am so unsatisfied with their services and policies that with thousands of dollars in exchange, I deserve a response as soon as possible. Not to mention, I have an increase in my interest rate MONTHLY. Obviously, I am unhappy to say the least. I need answers. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX and TransUnion scores continuously fluctuate XXXX points with no real changes to my credit file. I am in the process of obtaining a mortgage and these fluctuations continue to happen sometimes in a matter of days.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company was having issues with their system so all payments had to be mailed in and they said that they would not count any payments as late because of their system issues. There is now a late payment on my report and its stopping me from buying a home. This is not fair and is in violation of my rights as a consumer. I did what they said and this is not fair that they did not keep their word.
Product: Debt collection

I have spoken with Midland Credit about the debt they purchased and have asked them to stop calling me multiple times as I am not interested in working with them. They have called me on two different phone numbers and also continue to send me mail. They are very aggressive on the phone when I explain that I am not working with them, I have worked with the creditor directly for resolution and have asked multiple times for them to stop contacting me. I receive multiple calls per week from restricted and unrestricted numbers, as well as mail disguised as other types of mail.
Product: Debt collection

Company turned this debt over to credit bureau and I was never informed about the debt or the right to dispute.
Product: Mortgage

My homeowners insurance double so my monthly payment went up. I was {$78.00} and some change short due to this in XXXX. I made the short fall good by XX/XX/XXXX. The company misapplied my loan payment hit me with a late penalty even though I was not technically late so I gave them another {$50.00} to make them leave me alone. They acknowledged the mistake and said they would stop calling. They have not. I have told them many times to leave me alone. They start calling at 8 am and continue throughout the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX REFUSED TO CORRECT MY CREDIT REPORT AFTER I PRESENTED THEM WITH AN ID THEFT REPORT, POLICE REPORT AND ID THEFT AFFIDAVIT. THE DISPUTE HAS BEEN GOING ON OVER 30 DAYS, SINCE THE DAY I FAXED THEM THE INFORMATION. THEY STARTED THE DISPUTE ON XXXX XXXX, EVEN THOUGH I SUBMITTED MY DISPUTE IN MID XXXX. THRY HAVE RECEIVED THE PROPER DOCUMENTATION AND STILL REFUSE TO CORRECT THE PROBLEM. THE FOLLOWING ACCOUNTS DOES NOT BELONG TO ME : CAPITAL ONE AUTO FINANCE AMT. XXXX, XXXX OPENED : XX/XX/XXXX CAPITAL ONE BANK, USA AMT. XXXX OPENED : XX/XX/XXXX XXXX XXXX AMT. XXXX OPENED : XXXX XXXX I ALSO HAVE FRAUDULENT INQUIRIES WHICH THE HAVE REFUSED TO MOVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the time ( XX/XX/2013 ) 7 years other collection agency companies have already " delete '' this bankruptcy Reference Number XXXX for no longer having an effect due to the statute of limitations and in reality it limits me you start a new course obtaining an improved credit report. I strongly ask the administration of Equifax that I understand they can eliminate such bankruptcy so that my credit status improves. I am very grateful that you make this decision for the sake of my family and my own. We would like to start a new life by managing our assets, income, and using our budget wisely. Another point is that this report indicates at the end that No contact information has been reported by this creditor. Thank you. Attached credit report to which I refer : Credit Factor Account Info Reported on XX/XX/2013 XXXX / XXXX CHXX/XX/XXXX Overview Reference Number XXXX Date filed Reported on XX/XX/2013 Responsibility Joint Institution Information No contact information has been reported by this creditor.
Product: Checking or savings account

To whom it may concern. 

I have a checking account at M & T Bank located in XXXX XXXX. My deposit account has l been locked since XX/XX/2023. They have not provided a reason. I have inquired as to why the account is locked. They informed me that I need to come into a branch to update my personal information. I currently live in XXXX. They have told me multiple time they will mail a check with an explanation ( assuming this will be an adverse action notice ), yet I have not received it. When I have inquired about the check they continue to say it is coming. 

Can you please help me with this? Unfortunately I can not come to XXXX XXXX to resolve this issue.
Product: Debt collection

Debt was charged off and sold to collectors and I am now being harassed XX/XX/2020. Submitted a 609 letter and still is on my report!
Product: Debt collection

I deposited to XXXX XXXX in the amount of {$600.00} via ACH almost two months ago ( Can not recall exact date for this has gone on far too long ). The amount was then taken from my account twice. The amount of stress and hassle ive had to go through with my accounts after all the weird charges from XXXX are ridiculous.
Product: Credit card

Two complaints. 
1 - Harrassment. Yes, I missed my payment. My past due amount was {$86.00}. I paid {$110.00} TWO days ago, and I'm still getting harassment calls from Bank of America even this morning.

2 - There is NO Autopay option available in online banking. Therefore, Bank of America sets it up so consumers miss their payments, so they can charge erroneous late charges and then harass them multiple times a day for days on end, even AFTER the customer makes a payment. Why does the largest FI NOT HAVE AN AUTOPAY feature?????????
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received a response from Resurgent Capital Services L.P. regarding an account purportedly owned by LVNV Funding LLC. The account number is XXXX, originally opened witXXXX WebBank and XXXX on XX/XX/XXXX. The account was charged off on XX/XX/XXXX, with a balance of {$820.00}. 

I have repeatedly requested that LVNV Funding LLC provide proof of their legal authority to collect this debt in my state, as well as valid documentation proving the debt is mine. To date, they have not provided any such proof, and I have strong reason to believe that LVNV Funding LLC is not authorized to collect debts in my state. 

Despite the lack of proper documentation and authorization, LVNV Funding LLC continues to report this account to the credit reporting agencies, which has negatively impacted my credit score and financial standing. Their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ( g ) ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ]. 

I have disputed this account multiple times through the credit bureaus, and each time, Resurgent Capital Services L.P. has responded with insufficient verification, failing to provide any substantive proof that this debt is valid or that LVNV Funding LLC has the legal right to collect in my state. 

This situation has caused significant distress and has harmed my credit. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate LVNV Funding LLC and Resurgent Capital Services L.P. for their unlawful and unauthorized collection activities, and to ensure that this account is removed from my credit report immediately. 

Dates Involved : XX/XX/XXXX : Account opened with WebBank and XXXX. 
XX/XX/XXXX : Account charged off. 
XX/XX/XXXX : LVNV Funding LLC acquired the account. 
XX/XX/XXXX : Received a response from Resurgent Capital Services L.P. that failed to provide adequate proof of debt or authorization to collect. 

Amount Involved : {$820.00} ( Balance reported by LVNV Funding LLC ). 

Actions Taken by Me : Disputed the account with the credit reporting agencies. 
Requested proof of the debt and authorization from LVNV Funding LLC and Resurgent Capital Services L.P . 

Actions Taken by the Company : LVNV Funding LLC reported the debt to credit reporting agencies despite not being authorized to collect in my state.

Resurgent Capital Services L.P. responded with inadequate documentation and failed to provide proof of the debt or authorization.