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

My account with EXPERIAN 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.

EXPERIAN 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

The day I opened my Chase Business Ink card, the banker told me to give him what I thought I would be making for the year. At the time when telling him, I did n't understand that he was using that as my ability to repay. I told him what I actually made as well. Therefore, I was given a rather high limit without the ability to fully repay and ended up not being able to make the monthly payments. It frustrates me a bank I trusted would have a banker do this to me and destroy my credit.
Product: Vehicle loan or lease

There was an issue on my credit report with a fraudulent and unauthorized inquiry that had been on my credit report. The issue began on XXXX XXXX with an unauthorized inquiry for a vehicle loan with American credit acceptance. Despite my efforts to resolve the situation directly with the company, as well as the reporting credit bureaus ( XXXX ), including steps taken such as phone calls and informing them of the identity theft report I submitted with the FTC, and letters mailed, I have not been able to reach a satisfactory resolution. 
I am requesting that the Consumer Financial Protection Bureau intervene and assist me in resolving this matter. Specifically, I would like this fraudulent unauthorized inquiry removed from my credit reports immediately. 
Thank you for your time and attention to this matter. I look forward to your assistance in helping to resolve this issue promptly. 
Sincerely, XXXX XXXX.
Product: Debt collection

I am currently being garnished from a judgement that was unfairly put on me. I was not given the chance to defend/explain myself in court and never received any papers served to myself for the given judgement. I have attempted to contact the Rodenburge Law Firm several times but every time i am met with a voicemail system and no response. I even attempted to send their company an email to which i never received a response to. 

My current employers have contacted me with the judgement which has tacked on a ridiculous amount of interest to a judgement that unfairly placed upon me. I was not given any notice to appear before court or a chance to even defend myself. 

Now, years later I am being garnished without warning from Rodenburg Law firm whom I am unable to even contact for comment regarding these allegations. 

Another thing that really bothers me about this is the chance that these documents might be forged or tampered with. I see that in the top right corner of the garnishment it says : WRITE EXPIRES XXXX XXXX, XXXX ; and at the bottom of judgement it says : Given under my hand this XXXX day of XXXX, XXXX. This paperwork looks smudged and as if it was filled in by someone with their own handwriting, in other parts of it it is not even legible ( bottom middle ). 

I do n't understand how they can take {$5600.00} out of my pay check when the original judgement was for {$3700.00} and I was never even given a chance to represent myself in court. How is this even possible or legal? Even though I have attempted to contact them several times i cant seem to get any further documentation and/or explanation out of them. 

I 've been doing research on this Law Firm and have found numerous complaints and unethical treatment of the people who they are taking money from. I am afraid i am not the only one and this horrible treatment of honest hardworking people needs to stop. 


Under the state that this debt was formed Montana the creditors violated the following laws : Under the Fair Debt Collection Practices Act, a debt collector CAN NOT : Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment ( FDCPA 15 U.S.C. 1692e )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$6900.00}
Product: Debt collection

I saw Discover credit card account on my credit report and disputed it. However, Discovered card affirmed that I am the person who the credit card account that is in collections. I am a victim of identity theft and I have seen several collections accounts and transactions under my name that I do not recognize. 
I am in the process of fixing all these issues. 
During my job or apartment search period, I have supplied my personally identifiable information to people via phone or email who never got back to me. I have misplaced my drivers ' license and social security card and other important documents within the past XXXX years. 
I don't take loans and the only loan I take or sign up for her education loans to go school. 
kindly help me fix this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Stalling Financial Group placed a negative entry on my XXXX and XXXX credit reports on XX/XX/2021. The entry is in DIRECT violation of the FCRA and the Medical Debt Relief Act of 2021. Please see my attached debt validation request sent to SFG and their response.
Product: Credit card or prepaid card

would like credit inquires or hard pulls removed from my credit report. It tremendously effects my credit score. 
Chase XXXX Applied on XX/XX/2018 XXXX DE XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX   XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XXXX XXXX XXXX   XXXX XXXX MN XXXX XXXX Rise XXXX XXXX XXXX TC XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Product: Credit card or prepaid card

My payment for my XXXX statement balance of {$2200.00} was processed on XX/XX/XXXX, one day after the due date of XX/XX/XXXX and I was charged a late fee of {$29.00} on XXXX/XXXX/XXXX. I contacted an American Express representative on the American Express website on XXXX about the late fee and they agreed to reverse the {$29.00}. 

On XX/XX/XXXX I was charged an interest charge called " Interest Charge on Pay Over Time Purchases '' of {$50.00} and contacted American Express to question the charge. I was told it was an interest charge applied to my XXXX balance because the payment was made XXXX day late but they agreed to credit me {$25.00}, half of the interest charge. I told the representative at this point that the charge is not described accurately and that I had signed up for a {$0.00} interest rate on purchases through XX/XX/XXXX with American Express. At this point I thought I had sorted through the charges associated with the late payment made on the XXXX balance since the balance was already paid in full on XX/XX/XXXX and I already discussed the late fee and the interest charge with American Express representatives on XXXX separate occasions. 

I paid my XXXX statement balance of {$1900.00} in full on time and received an " Interest Charge on Pay Over Time Purchases '' on XX/XX/XXXX of {$170.00}. I did not know what this charge was in reference to since I do not have any outstanding balance and contacted an American Express Representative on their website. I was told that American Express charges a " XXXX XXXX '' for XXXX months, even after the initial outstanding balance has already been paid in full. Even though I settled my XXXX balance the day after it was due and had already paid a portion of the XXXX balance interest charge, I am getting charged a interest fee for a second month. This second interest charge is not applied off the XXXX balance in question, it is applied to my XXXX statement balance even though XXXX balance had nothing to do with the interest charge. The representative I chatted with on the American Express website could not explain to me why I am paying interest for XXXX months on XXXX outstanding balance that was paid XXXX day late. I spoke to another representative on the phone who was a secondary level of escalation for issue review and she told me it is clear what Trailing Interest means because it is part of the paper statement. I do not receive any paper statements and when I review my transactions on the American Express website it is not readily apparent what my interest charges are related to nor that there is a Trailing Interest charge. The first representative I spoke with in XXXX to reverse the late fee and the second representative I spoke with in XXXX to give me a partial credit on the interest fee never told me about this Trailing Interest that I would have to pay for a second month.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Credit Report and noticed that I had six late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have responsibility to report Consumer information for the best of their ability with Maximum Accuracy. I have never been late on payment for the account XXXX XXXX, Partial Acct # XXXX. Please Investigate a provide proof with statements showing that these payment were late.If proof cant be provide I demand these payments be update to on time as they should be as I was never late. Thanks.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Equifax, alleging systemic issues such as failing 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 Equifax has neither corrected nor removed disputed accounts, as Equifax 's inaction violates federal law and my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, and XX/XX/2021, I made {$1000.00} and {$15.00} payments to my Visa credit card with XXXX XXXX XXXX. I checked my Credit score through XXXX XXXX, Equifax, XXXX, and XXXX on XX/XX/2021, My Equifax score decreased by 11 points because XXXX XXXX XXXX refuses to update the correct information. I spoke with a representative, named XXXX from Equifax, and I was told that my score decreased by XXXX reported on XX/XX/2021, that I did not make payment and showed a high balance. I called XXXX and inquired why they did not report the correct amount on XX/XX/2021, and I was told that I had to wait until XX/XX/2021. I have applied to several employers in the month of XXXX and I believe this has caused me not to receive interviews for jobs. This is unfair and I believe it violates my rights. I would like to file a suit for compensation. Please help me with this situation, I need employment!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score today so as of XX/XX/22 it is XXXX. It went down XXXX pts because I decreased balance by {$390.00} and {$450.00} on two loans. I spoke to XXXX and her supervisor XXXX both said there was nothing I could do but hire a XXXX XXXX and there was no one I could talk to about this at Experian, no other supervisor or anyone about score decrease. XX/XX/22 went down XXXX pts when I decrease balance by {$51.00}. I'm confused, in the past and everything I have been taught is credit score is supposed to go up not down when I pay down creditors. Can you help please? I have another issue of my score going down XXXX pts ( on Experian & XXXX pts on XXXX ) for {$11.00} missed payment with XXXX. I have been with XXXX on this account XXXX months and have never missed a payment ( always pay in full ) even though I have NEVER received a statement from them. I called them and they said you are signed up for email billing, we verified email on acct and still I get nothing. I stopped email billing XXXX months ago and still have not received paper billing through the mail. Frustrating to say the least. Please help!! I am XXXX about keeping my credit good and score high. Thank you, XXXX XXXX XXXX After speaking with XXXX and XXXX now I can't get into my account and its now says I do not have an account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown inquiries from XXXX XXXX XXXX XXXX XXXX and XXXX on my Equifax credit report that shouldnt be there and I want them removed. And multiple on my XXXX and XXXX  dating back to 2021
Product: Credit reporting or other personal consumer reports

I am a client of XXXX XXXX and have been offered lower interest rates on the loan for my vehicle for some time now. On XX/XX/year> I decided to see if I would qualify for an offer from Autopay as their interest rate is much lower than what I currently pay. Unfortunately, I did this before checking with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I got notifications within minutes of hard credit checks from XXXX. After reading the complaints from other people who had similar experiences I decided to file a complaint with CFPB to protect myself against fraud.
Product: Debt collection

Portfolio Recovery Associates sent a letter to me in the mail stating that I owe a debt. I therefore sent a letter to Portfolio Recovery Associates for specific information to validate the debt that they claimed that I owed. I sent the letter over 30 days ago and they have not responded to my request and they are also doing harm to my character by reporting unsubstantiated derogatory information on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have invalid accounts reporting to my Experian credit report I have tried to solve this many times with the company both XXXX and the creditor Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, Consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I recently received a copy of my credit report and noticed some accounts on my report that should not be there. The agencies ( XXXX, XXXX and Experian ) are in violation of 15 USC ss1692g. They were to notify me in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt, I do not Validate this debt therefor the following accounts must be deleted from my report immediately : Account name : XXXX XXXX XXXX, Opened : XX/XX/XXXX Amount : {$15000.00} Account Name : XXXX XXXX XXXX  XXXX, Opened : XX/XX/XXXX, Amount : {$2100.00} Account Name : XXXX XXXX XXXX, Opened : XX/XX/XXXX, Amount {$4300.00} Account Name : XXXX XXXX XXXX Opened XX/XX/XXXX, Amount {$150.00} Account Name : XXXX XXXX XXXX, Opened XX/XX/XXXX, Amount {$150.00}
Product: Credit reporting or other personal consumer reports

i sent out several disputes on XXXX XXXX company responded with stall letters and stating they will refuse to start investigation due to submission of letters. 
There is no provision within the FCRA that allows a credit reporting agency to refuse based on submission or printing.
Product: Credit reporting or other personal consumer reports

XXXX IS ILLEGALLY REPORTING INNACURATE NUMBER OF CLOSED ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

These five accounts listed show the wrong status & balances on the credit reporting bureau. I have previously contacted the credit bureau. 


XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2020 attempted to get a loan from Regional Finance and was never told I was denied they wanted my spouse to also apply in an attempt to get us approved then the lady never called me back as she stated she would and mailed us denial letters over past credit experiences on my report I was told regional was a company who helps fix credit and they market that but yet refused to give us a loan they are new to XXXX and already have no transparency also XXXX  is reporting accounts that are disposed in court and or paid off.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX & XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # 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 a account without my written instructions.
Product: Debt collection

I recently sent a proof of debt validation to CREDENCE RM to validate that the debt they erroneously claim belongs to me. There was no original contract, personal identification, and any other documentation included in their response letter that proves that the debt belongs to me. I want Credence RM to immediately stop reporting this account to the XXXX, XXXX, and XXXX in addition to removing all inaccurate reports made up until now. 



Account # XXXX
Product: Mortgage

XX/XX/XXXX, Carrington was contacted because a payment adjustment was due because my property taxes decreased. I am a senior citizen and I have two discounts from the Office of Tax and Revenue, Property taxes. I currently have the Homestead Deduction which I have had since I was XXXX  years of age and I recently ( XX/XX/XXXX ) I received the District 's Senior Citizen discount. This information was forwarded to Carrington from OTR/Property Tax Office on XX/XX/XXXX one month before taxes are due, Carrington never did the adjustment, and my current mortgage was a hardship. So from XXXX date Carrington did not the adjustment for the new monthly mortgage payment. I had to take both checks to make my mortgage payment and I kept calling Carrington to get the new mortgage payment and all I received was one excuse after another. On XX/XX/XXXX I contacted Carrington to make a payment and was told that I would have to bring the loan current before they accepted a payment and at this time i was told that I had an Escrow Surplus in the amount of XXXX and was transferred to Carrington 's Property Tax Division. I spoke with XXXX to find out why my new mortgage payment of XXXX would be due in XXXX and not now since Carrington had not done and/or applied the new property taxes in my loan. I found out that was done last XX/XX/XXXX, and XXXX told me to inform them that I wanted to apply the surplus to my missed mortgage payments because they are not allowed to retain a customer 's surplus payments, she then transferred me to Customer Service. I was told my XXXX XXXX after she spoke to the escrow office to send a letter with my signature and loan number to her email XXXX. the letter was to state that I authorize Carrington to apply my surplus to my loan balance and the send me a receipt. Again no response and I do believe XXXX got into trouble for telling me that because she never responded. Carrington has made me pay XXXX dollars since XXXX with a new payment adjustment of XXXX which will begin in XXXX, XXXX. How can they keep my money and/or not allow me to apply that surplus payment to my mortgage payments along with the mortgage payment they will not accept. It should not have taken them 2 and one half years to do the adjustment as they knew it presented a hardship for me especially since I added the late fee because the payments would be late since I had to take both paychecks to pay the mortgage. It was getting harder for me to meet the payments my utilities suffered, I am on XXXX medications per day, went without food and medicine for months ' they took none of this into consideration and they are still making me pay the higher mortgage payment and not the adjusted payment until XXXX, XXXX.