23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have several store credit cards under the ownership of Comenity and the problem arose on XX/XX/XXXX. My Ulta credit card payment was due and I made the payment on that day ( XX/XX/XXXX ). No sooner than I paid, I received a text to saying to contact Comenity regarding my XXXX card. So I called and at the time, the recording stated my last payment was made i. XXXX along with the amount and that next payment of {$25.00} is due XX/XX/XXXX. So I didnt seek to speak with anyone. They may have sent another email the following Wednesday so again I called the number associated with how I make my phone payments/ same number on back of card and again it was NEVER stated that a payment was missing or late, but what I noticed is that date went from XX/XX/XXXX to XX/XX/XXXX and neither dates had passed ( still has not ). But that day I got a call prior to my mothers home health aid leaving for the day and although Im good at writing down names, I cant recall this guys name nor did I write it down. but he proceeded to advise that i missed a payment and I asked me to confirm the account used for last payment as well as if I wanted to make a payment.. I was going to say yes and then I stated wait, I just paid the bill on the XXXX and he stated its for the XXXX bill not the Ulta that he is trying to get payment for and i stated my payment is not due and also when a payment is late when you call the automation it provides that information. I had not received an email or anything else indicating his facts were accurate and tried to explain that but he wanted to over talk me and just be non customer service friendly so I demanded to speak with someone other than him, I had to request more than 5 times and he stated he would get his supervisor but that never happened. So i called the number on the back of my XXXX card again and ask that my mothers aid listen to it as well and once she competed that i asked if it indicated i had missed a payment and she stated no and proceeded to confirm that XXXX is balance and that is due on XX/XX/XXXX. So I sent feedback to comenity ( have yet to hear from them ) and on XX/XX/XXXX. I missed a call of which may have been automated as a message was left regarding this unresolved issue and so it was again that I called the number on back of XXXX card only for it to indicate my payment is due on XX/XX/XXXX for the amount of the statement {$25.00}. Now due to so much going on with both of my parents having XXXX and me pulling the bill of wait for care, I tend to forget my own business as why I rely on my handwritten information for monthly bills, my reminder in my phone with dates, as well as my email to keep me solid and current with my bills. Now I dont know what kind of books are being kept with my creditor nor am I unsure there is another card somewhere in my name ( due to compromised XXXX wallet was stolen that contained both my small diploma, social security card, and license ( when license used the ss # ) when I was XXXX. I wish for this to be resolved as Im sure im current and dont appreciate these type of tactics.
Product: Bank account or service

We opened an account through GE Capitol i.e syncrony bank and turns out we 're paying way over after only missing XXXX payments. We have banking documents calculating the payments and they 're totally taking money from us.
Product: Credit card

I have a visa credit card with PenFed Credit Union for over ten years. The past two months I have been charged a late fee when I have always paid on time. The due date for each statement is the 21st of each month. My last two payments have been posted/received on the 27th of each month. I even tried paying a week earlier than usual for my last payment/statement. I am pretty sure I am not the only one affected by this and a class action lawsuit may be considered.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report from my 2024 dispute. Its been well over XXXX  days since my last submission on XX/XX/year> and I havent received any changes or responses. I also submitted a police report to further support my claim to Equifax. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax | XXXX XXXX | XXXX  has failed to remove unverified information off my credit report. I have provided documentation to prove that the information on my report is reporting incorrectly but the information keeps coming back verified. I provided a letter from a previous landlord as well as the eviction notice that was served after the property had been vacated to prove that the dates and accusations were false but the bureaus still continues to report this erroneous information. Also, there is a 3rd party collection agency claiming I owe them money for an account with XXXX. I contacted XXXX personally and they have no record of the account number or the social security number attached but this continues to report. I also had a creditor break the terms of the contract. The contract stated 1 weekly payment of {$29.00} but the creditor began taking 2 payments weekly without my authorization. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this matter as soon as possible.
Product: Vehicle loan or lease

I called capital one finance on XXXX to the fact that my billing was incorrect. I spoke to a rep name XXXX whose identification was XXXX. I explained to him that when I bought the vehicle in XXXX, my monthly payment was {$580.00}. I have paid it on time and have made extra payments towards my vehicle to get my monthly payment lower. I brought the payment down to {$440.00} XX/XX/XXXX. I received a bill in XXXX of another bill of {$580.00} till now with still hanging my payments on time and paying towards the principal. I spoke to the rep who clearly ignored my question multiple times, and did not answer my question properly he forwarded me to a supervisor who also could know, answer my question or help me in any situation.
Product: Payday loan, title loan, personal loan, or advance loan

RE : Loan # XXXX XXXX XXXXXXXX XXXX XXXX Sunlight Financial Account number XXXX In XXXX XXXX, new windows were installed on a private residence. The contractor facilitated the loan process with Sunlight financial. The loan was for {$26000.00} with an introductory APR of 0 % until XX/XX/XXXX. 

We had set up an autopayment of {$2000.00} and called XXXX of XXXX to request a payoff quote. The agent quoted us {$260.00} and we had assumed this was for the remaining balance after the automatic draft that is processed at the end of the month. 

An automatic draft continued to come out of our account in XXXX and XXXX. After contacting Sunlight financial they claimed since we had not paid off our loan on time, they applied all the payments toward our interest when the monthly payment amount on the contract states {$260.00}. The interest charged was an exorbitant 21.990 % accrued on a daily basis. 

After noticing this error and paying off the entire amount quoted on the pay off balance of {$2600.00} Sunlight Financial still charged us the daily interest of {$1.00}, that is showing online. 

We request a refund of {$4400.00} interest paid between the XXXX months between XXXX and XX/XX/XXXX. 

Thank you for your attention to this matter. 

XXXX XXXX
Product: Debt collection

This debt is from XXXX It is out of statute the Rep tried to coerce me to pay it, although it is 6 years ago then they lied to me about who owns this debt They are reporting this debt as of XXXX, but they lied and told me this is being correctly reported. 
I want this debt reported correctly as of XXXX It is seriously harming my credit please see the attached statement
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiry currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

The name on my Equifax credit report is incorrect. 

I submitted a dispute on XX/XX/2020 for the incorrect name and incorrect addresses. The tool to upload documents did not work, so I contacted Equifax via email about this problem, attaching a screenshot of the error and a utility bill as supporting documentation of the incorrect name and addresses. The addresses were removed but the name was not. 

I submitted another dispute on XX/XX/2020. This time the upload tool did work and I included my license. It was not corrected. 

I contacted Equifax by phone on XX/XX/2020 and was told by " XXXX '' ( I think, his accent made him very difficult to understand ) that I needed to provide supporting documentation. I explained that I had included my license. He said to create a new dispute with a cover letter including contact information, image of my license, and image of a document showing my Social Security number. He confirmed that a XXXX was acceptable. I submitted the new dispute on that day. There was a cover letter stating the issue and including my contact information ( address and phone ), a picture of my license, and a copy of a XXXX that showed my XXXX. 

The name on my report was still not corrected. I submitted another dispute of the name on XX/XX/2020, again including an image of my license and XXXX. The name has still not been corrected.
Product: Credit reporting or other personal consumer reports

In the course of reviewing my credit report, I spotted an inaccurate Public Information that need reporting and correction through your company. 

I have attached the copy of my dispute letters that were sent it to the Bureaus.
Product: Credit reporting or other personal consumer reports

I keep receiving a bill from my PayPal account. The account is ending with XXXX. The current balance as of XX/XX/2023 is {$450.00} and minimum payment due is {$260.00}. I have no idea where it came from. Sychrony Bank/PayPal Credit keeps sending me a bill which I have not authorized and charging me an excessive amount of interest every month. This is not acceptable. It ruins my credit score. The transaction is a fraudulent activity done by someone else. I have not purchased any items using PayPal. Please contact the Synchrony Bank / PayPal Credit to fix this issue and recover my credit score as soon as possible. 

I am a person with higher education XXXX XXXX XXXX I studied at XXXX XXXX and XXXX XXXX. I only pay for what I have purchased. Thank you for your help. 

Best, XXXX
Product: Credit card

I have a credit card with Capital One. I asked them to remove a " 30 day late '' pay as a show of goodwill towards me. I 've read articles that suggested to do this, and I 've seen other credit card companies do it. Capital One said that they could not remove the " 30 day late '' pursuant to the Fair Credit Reporting act. I understand that creditors are required to report accurate data ; but can they do customers a favor by removing a " 30 day late '' from the customer 's payment history?
Product: Mortgage

I am writing to file a formal complaint against M & T Bank regarding the denial of the removal of my ex-partners name from the deed and the loan despite substantial efforts on my part. 

Timeline of Events : On XX/XX/XXXX, I submitted a request to have my ex-partner, XXXX XXXX, removed from the deed and the loan. 
On XX/XX/XXXX, I made a {$50000.00} lump sum payment toward the mortgage balance, with the expectation that this would help reduce the loan and facilitate the transfer of the deed. 
Despite this payment and following the required procedures, my request was denied, and the company cited my debt-to-income ( DTI ) ratio as the reason, even though I had already reduced the loan balance. 
The mortgage company has not provided a clear explanation for why my request was denied after taking these steps, nor have they offered any reasonable alternatives or solutions. 
As a XXXX XXXX individual, I feel that I am being taken advantage of by the company, and the situation has caused me significant distress. I believe I am being unfairly treated and denied a reasonable outcome. 

I am requesting an immediate review of my case and appropriate action to ensure that I am not discriminated against or subjected to unfair lending practices. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX {$1000.00} XXXX {$550.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) {$600.00}
Product: Credit reporting or other personal consumer reports

My cash app card kept being ran for different payment amounts. I did unlink my card. And never returned my services. Then things appeared back on credit report.. I made payments for like 3-4 months before I canceled my services..
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN ACCOUNT REPORTING TO ALL MY CREDIT REPORTS ( EQUAFAX ) ( XXXX ) AND ( XXXX ) THAT HAS MANY INACCURACIES FOR THE DATA IN THE PAYMENT HISTORY FIELDS. I AM DISPUTING THIS ACCOUNT BECAUSE THE DATE OPEN IS XXXX, THE DATE CLOSED IS XXXX, IT SHOWS DATE OF 1ST DELINQUENCY IS XXXX THIS IS IMPOSSABLE CONSIDERING THE ACCOUNT WAS CLOSED ON XXXX .... XX/XX/2022, XX/XX/2022, XXXX, XX/XX/2022 AND XX/XX/2022, ALL SAY " PAID AS AGREED '' AND " CURRENT '' : ..CLEARLY, I HAVE HAD NO LATE PAYMENTS FOR XX/XX/2022, XX/XX/2022 AND XX/XX/2022 AS THE CREDIT REPORTS ARE FURNISHING. I WANT THE LATE PAYMENTS EITHER REMOVED/ DELETED FROM ALL THREE OF MY CREDIT REPORTS OR UPDATED TO " PAID AS AGREED '' AND " CURRENT '' EQUAFAX -- ACCOUNT NUMBER XXXX ( XXXX XXXXXXXX ) XXXX XXXX ACCOUNT NUMBER XXXX ( XXXX XXXX ) XXXX XXXX ACCOUNT NUMBER XXXX ( XXXX XXXX ) 15 U.S.C. 1681 section 602A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681c ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C.

1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVETHAT THE INFORMATION IS INACCURATE
Product: Bank account or service

On or about XXXX XXXX, 2014, my primary checking account with another banking institution was compromised. My checking account with XXXX XXXX XXXX XXXX was the primary linked account used to submit payments to USAA Credit Card services. I was then issued a new checking account number for security reasons. On or about XXXX XXXX, 2014, I updated USAA.com with the new checking account number while paying my current USAA credit card bill. At that time I was unaware that USAA.com failed to update my linked checking account number to the newly issued account number. The following month I attempted to make a payment in the amount of {$1000.00}. I was under the impression that this payment, like the last, was without issue. Each time that I had submitted the payment via XXXX, it was my understanding that the payment had processed. I was unaware of the error until logging onto USAA.com on third month to pay my USAA credit card bill and seeing a balance that did not match my personal recordkeeping. It was at that point that I realized that USAA.com failed to save my new checking account number issued to me by XXXX XXXX XXXX XXXX, and as a result, failed to process the previous XXXX payment attempts. 
I contacted USAA to discuss this issue and I had made my way to a senior account manager. This individual and I reviewed all of the relevant facts, including the associated credit card statements, which clearly showed the payment attempts that I had made during each month in question. This USAA representative was more than helpful at the time and I was told that this error would be " quite easy '' to have resolved. I followed the instructions given to me by that account representative exactly. I mailed in the " USAA Credit Dispute Form '' along with all of the documentation the USAA representative had identified was required. 
To my surprise, the response to my dispute was not the expected details of dispute resolution, but rather, I received a general letter stating that USAA had done an investigation and found that it is reporting events accurately. I take issue with USAA responding to the formal dispute with a general letter that failed to provide any reference to my particular issue, and furthermore, I find it appalling that my conversation with a senior account representative would be in direct contradiction to the final determination. 
I challenge USAA to conduct a proper review of my dispute. I am positive that if a proper review is conducted, and all relevant information is taken into account, USAA will recognize my dispute as valid and move quickly to clear it 's adverse credit reporting. I would like to remind USAA personnel addressing this complaint that all relevant information was previously submitted with the original dispute, and can also be found in the Online Banking records. I am hopeful that this complaint will convince USAA to do the right thing and conduct a proper review of my dispute, thereby avoiding the need for further escalation.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX XXXX ] XXXX [ XXXX ] [ XXXX ] [ Experian ] [ XXXX XXXX XXXX ] [ XXXX, Texas XXXX ] Subject : Dispute of Inaccurate Information on Credit Report 15 U.S.C. 1681o Dear XXXX, I am writing to formally dispute the following information on my credit report. I have reviewed my report and found the following inaccuracies, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, relating to civil liability for violations. 

Item to be Disputed : [ Lead Bank ] Nature of the Dispute : I believe the information is inaccurate, including details like incorrect account balances. ] Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am requesting that you investigate this dispute and correct any errors. The information in question does not accurately reflect my financial history, and I am requesting the removal or correction of the disputed information.

Additionally, I would like to remind you that under 15 U.S.C. 1681o, I am entitled to civil liability for any damages caused by the inclusion of inaccurate or unverified information on my credit report. If the dispute is not resolved in accordance with the FCRA, I will consider all available options for seeking redress, including legal action.

Please conduct a full investigation and provide me with written confirmation of the resolution, including a copy of the updated credit report once the dispute is resolved. 

Enclosed are copies of the relevant documents supporting my dispute, including [ any documentation you are submitting such as billing statements, letters, or court documents ]. 

Thank you for your prompt attention to this matter. Please provide me with the results of your investigation within XXXX  days, as required by law. 

Sincerely, XXXX XXXX