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

My account with EQUIFAX XXXX XXXX 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 XXXX  days before the payment due date. 


EQUIFAX 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 XXXX 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 reporting or other personal consumer reports

It is the credit reporting agencies duty pursuant to the FCRA to report correct and accurate information on my credit report and file, however they are NOT. XXXX, XXXX and EXPERIAN are reporting inaccurate late payments for the XXXX XXXX XXXX  account. This includes a 30 day late payment notice posted By XXXX in XX/XX/, a 60 day late payment for XX/XX/XXXX  posted by XXXX and and XXXX as well as a 60 day late payment for XX/XX/ by EXPERIAN. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in XXXX, XXXX and EXPERIAN violating my federally protected consumer rights. To add to this I did not give XXXX, XXXX and EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX, XXXX and EXPERIAN has violated my federally protected consumer rights under the FCRA and inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Debt collection

I hired XXXXXXXX XXXX to perform a task for my business. I owed them {$400.00} in which was paid XXXX XXXX, 2017. I then begun to get multiple calls from Caine and Weiner a collection agency based out of California. I advised them multiple times that I did not owe any money to XXXXXXXX XXXX in which XXXXXXXX XXXX verified. However they are still calling me all hours and times of the day from different numbers and area codes. They also have put the charges on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is reported wrong information on my credit report and refused to do anything with the issue
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX - Incorrect Names XXXX XXXX XXXX - Incorrect Names These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I'm file an complaint because of the fact that my rights have been violated under 15 U.S.C.1681 sec 602 a in accordance with the fair credit act. 15 U.S.C. sec 604a also states that a consumer reporting agency can not make any of the following information or adverse item of information other than records of convictions of crimes dates more than 7 years. i have informed the company of this and also the information that I have attached below as prove. It has been more than 30 days that I haven't received an apply. Also 15U.S.C. 1681-2 1 states a person shall not furnish my consumer reporting to any consumer if the person knows or has reasonable cause to believe that the information is inaccurate. I wrote the clerk of the court and the court informed me that they don't give out information to third parties. i feel my rights have been violated!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I opened a credit card with CBNA/Best Buy in XXXX, XXXX which due to financial difficulties was charged off in XXXX, XXXX. Fast forward to XXXX of XXXX ... I got a notice that I have a new delinquency on my XXXX, XXXX and XXXX credit reports and when I checked, it was CBNA changing my account status from charge-off XXXX, XXXX to closed and 180 days late which took my credit score down almost 70 points. Since this time, I have disputed this information XXXX times ( XXXX ) with each major credit bureau and have used all resources available to me to get the information for this account to be corrected to no avail. Every month, CBNA reports the account open briefly, then closes and sets it 180 days late it which shows this account as a new and delinquency when in fact, it is several years old. I feel this is being done to intentionally and maliciously drop my credit score. My credit report clearly shows a change from charge off status to 180 days past due every month and I have not been able to get CBNA or any of the three credit bureaus to fix this incorrect information. Any assistance or direction to assist me into forcing CBNA to report my account history accurately and to desist their intentional disinformation would be greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

Kohls is on my credit report due to identity theft they also exposed my identity and information in a security breach
Product: Debt collection

In XX/XX/XXXX I was so racy by XXXX XXXX and was given a written agreement of repayment on my loan which I have done each month. I got a call in XX/XX/XXXX 6 month after I started my written agreement stating that they done give written agreements but j have one that was emailed to me from there company which I faxed and have fax confirmation for this on XX/XX/XXXX. XXXX XXXX the supervisor then called me after i called XXXX   and she did not return my call. I was told they needed to increase my monthly payment in keel rhe account inhouse?? No reason was given for this increase. XXXX XXXX had always been very helpful to me about this and I had made my payment in time each month. I was first told my a XXXX XXXX that's the minimum payment was XXXX  and not {$100.00} and they would take me to court due to I was not making full payment To keep out of litigation. XXXX XXXX   told me he did not know who this man was but he gave me a fax number to there office. I asked for a new written agreement showing the XXXX a month payment plan he wanted me to start he refused and would not give me a reason for having to break this written agreement that was made with ne and XXXX XXXX XXXX XXXX. I was not informed why they needed to increase my payment. U had a verbal sk called recorded agreement with XXXX XXXX and a written agreement was emailed to me from XXXX XXXX which I provided to him. XXXX XXXX  told me they do not do written agreements at this coompanh but I have one. I agreed to the increase I have not broken my agreement but i should be able to have a amended agreement which they will not provide me. She just told me last week I twas okay j could mail my payment in on the XXXX instead of the beginning of the month because I just had XXXX XXXX on XX/XX/XXXX. But now she womt return my calls.
Product: Mortgage

XX/XX/XXXX  Wells Fargo Bank accidently ( admittingly by mistake ) sold my home financed by that bank during the loan modification period which at the time my anticipated monthly payment. was being paid to Wells Fargo by automatic funds transfer from my bank. In fact, two agreed payments had been made and the third and final modification payment was in process. They stated that although they made a mistake by selling my home, it's in California and the sale could not be reversed. I was forced out of my home without notice and suffered major financial damages. Wells Fargo has avoided any consideration after I have pursued justice in this matter several times. Wells Fargo has absolutely no Conscience and is a very dangerous entity for any community. Wells Fargo has fraudulently sold my house I had lived in ten years and consider themselves too big to be concerned. Wells Fargo has committed major negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I disputed an alleged debt on my credit report thru equifax from the debt collector agency XXXX XXXX XXXX XXXX in the amount XXXX dollars. The dispute was said completed on XX/XX/2021. The completion of the dispute resulted in meeting compliance with FDCPA 15 USC 1692 and the account was closed which it should have been removed per my request. Days later the same disputed alleged debt was reported back on my equifax consumer credit report. I was not notified in writing within a 5 day period that said alleged debt would be reported back in to my credit report by Equifax. This is a violation of my consumer rights in accordance with 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21, I called Citibank requesting details about my recent scam transaction that I need to provide to the XXXX XXXX police. My case is currently with XXXX XXXX. I specified that I need a statement from the bank showing my name, my bank, my account, the date of the wire, the amount of the wire, the person receiving the wire, the bank receiving the wire, and the account receiving the wire. I know all those information myself! I just need a statement from the bank! And I told the representative that I have the bank statement but the bank statement information isn't enough since it only states the date of the wire and the amount but the person receiving the money and the bank receiving the money is not there. Citibank said they will email me the details but they send me the bank statement. Then on XX/XX/21, I called again. They still send me the bank statement. On XX/XX/21, I called again and they still send me the bank statement regardless of what I specify. This is a criminal case that I am chasing after and they are delaying it! I AM REALLY ANGRY. I am not asking for someone else 's statement. I am asking for my OWN statement with DETAIL and they CAN NOT provide a statement of their OWN bank. How can I trust Citibank have my best interest in mind when I already opened up several investigations with them and they keep closing them on these same few wires? I am VERY DISAPPOINTED and FRUSTRATED and EXHAUSTED about this. How many phone calls do I HAVE TO CALL? How many more people do I have to speak with and they give me same superficial answers and still not do what I ask for?
Product: Checking or savings account

I opened this checking account under the terms of XXXX fees as long as I had 1. a monthly direct deposit of any amount 2. made at least one online bill pay per month I established a monthly direct deposit and set a monthly recurring online bill pay to XXXX XXXX XXXX At some time around XXXX of XXXX Citi changed the account requirements to be a minimum of XXXX XXXX monthly direct deposit. I never accepted the updated terms. Beginning on XXXX XXXX XXXX Citi began deducting a XXXX XXXX monthly service fee to the account. I accessed the account in mid XXXX and found that a total of XXXX of these fees had been deducted. I attempted to close the account but as I did not have a debit card in hand, they told me I had to send a request via USPS. I did that and they returned a letter saying that the request must be notarized. I requested a replacement debit card and succefully had the account closed after the representative reimbursed a 4th {$15.00} fee that had caused the account to have a negative balance. I am due {$45.00} in unauthorized fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got the below alert from XXXX XXXX that someone tried to open below credit card. 

ALERT TYPE- Inquiry ALERT SUB TYPE New Inquiry SOURCE XXXX ALERT DATE XX/XX/2023 INQUIRY DATE NAME BARCLAYS BANK DELAWARE PHONE ( XXXX ) XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX always disguise their name to try and confuse people. This time it is XXXX XXXX XXXX XXXX They have placed the same medical bill ( XXXX ) as a collection on all 3 of my consumer reports. This bill is part of an open auto accident case that is not closed at this time. This is the 3rd time I have had to go through this with these fraudulent companies. I have no alternative but to file suit and publicize this information. These companies need to be stopped. 

XXXX XXXX XXXX XXXX has violated my right to privacy and placed the fraudulent account on my consumer report. I'm the consumer and I did not validate any of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am now requesting more information from the credit bureaus about these specific accounts in question because I am not comfortable that enough was done to actually contact the creditors who are reporting these details on my report. These accounts must be verified by the three credit bureaus in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. The following accounts need to investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXXXXXX XXXX Balance Owed : {$1800.00}. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I am requesting the Credit Bureaus to notify me when the items have been updated or removed. Once this has been accomplished, I need the Credit Bureaus to forward me an updated copy of my credit report to the address provided.
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning, but I am still seeing some unauthorized inquiries on my credit report. I don't have any idea why these unauthorized inquiries are on my credit report, so please check the documents I've sent.
Product: Debt collection

I was away for some medical treatment on Wednesday XXXX XXXX. I always leave my cell phone with a friend to answer while I 'm at the doctor. The call came in at XXXX XXXX. The phone rand and the caller ID registered as XXXX XXXX XXXX and the person at the other end of the line asked my friend XXXX XXXX if he was speaking with me. He replied no, said that I was ill and out getting treatment. My friend XXXX asked what the call was concerning, and the caller again asked if this was me and XXXX said no. XXXX asked again what this was in reference to and the caller finally told him that he was a debt collector calling to collect a debt for XXXX from a bill from several years ago. XXXX said he would not take a message and gave the caller my XXXX XXXX XXXX to submit the purpose of the call in writing to me directly. I contacted my lawyer once I heard this, and he said it 's illegal under the fair credit reporting act for a collector to disclose any information to a third party and he suggested i file a complaint here first. When I googled the phone number, it showed AFNI, who is a debt collector.
Product: Student loan

I am filing a complaint regarding the handling of my approved XXXX XXXX application for loans related to my attendance at XXXX XXXX XXXX. Under the XXXX v. XXXX settlement, I am entitled to a full refund of {$46000.00} for all payments made toward these XXXX loans. Despite the discharge being applied and my account reflecting a {$0.00} balance, I have yet to receive this refund. 

Prior to the discharge, my loans were transferred from Aidvantage to XXXX. However, neither Aidvantage nor XXXX has provided a timeline for my refund, nor confirmed the amount owed, and it appears that neither party knows who is responsible for initiating this refund. This lack of communication and transparency has created unnecessary frustration and financial uncertainty. 

Details : Borrower Defense Application Number : XXXX FSA Complaint Number : XXXX Please address the following : XXXX. Confirm which servicer, Aidvantage or XXXX, is responsible for initiating the refund. 
2. Provide a clear timeline for the refund processing. 
XXXX. Confirm the exact amount of {$46000.00}, which represents full repayment for all XXXX loans discharged under the Borrower Defense.

Aidvantages ongoing delays and unresponsive approach have complicated the process. I am requesting the CFPBs assistance in ensuring that Aidvantage, XXXX, and the Department of Education fulfill their obligations under the XXXX  v. XXXX settlement. 

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

I just checked again my XXXX, XXXX and Equifax credit reports and I can still see account reporting inaccurately. Please see attached file below
Product: Debt collection

On XX/XX/ I asked World Finance to Validate the debt that they have been reporting only credit report, as of today they have not responded. 

On XX/XX/ I sent World Finance a second letter Disputing the accuracy of their reporting. The account is being reported as a charged off every month resulting in the date of delinquency to be refreshed in the credit bureau system. In addition this account is also showing a past due amount even though it is charged off. Final the amount due continues to increase although this account is charged off. Please correct me if I am wrong but I feel that this is a violation of my fair reporting rights. 

This company has refused to respond to my mail request and verbal request are told that I have to pay the debt to have the account properly reported.
Product: Debt collection

ARS NATIONAL SERVICES Inc has sent me a notice which is the first letter Ive received from them. This first paragraph is the reason we have the CFPB is around. This is an threatening letter. The first paragraph is THREATENING potential lawsuit and lawyers if I dont respond. This is the first form of contact using scare tactics and threats. This is a direct VIOLATION of my rights.
Product: Mortgage

I received a equity loan from this bank and the other name banks prior to Well Fargo. The Equity loan was approved in XXXX and the amount was {$37000.00} but recently I attempted to use it based on the statements I have always received and was told it was reduced to {$33000.00}. because of collection action or unfavorable actions not actually with Wells Fargo. I have never been late nor missed a payment on my mortgage which is now paid in full nor my equity line which is to be paid by XXXX. Even if a letter was sent the statement has always remained {$37000.00} and did not indicate this restriction. I think Wells Fargo should honor the statement amount of {$37000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter that Experian put a credit alert on my report. I have not lost my credit cards and just left XXXX two weeks ago but I am molested daily with reports on the internet from them and XXXX XXXX. Can the Experian just remove this credit alert as no one wants to give me credit because of this erroneous information.
Product: Payday loan, title loan, or personal loan

When I took out the loan I have been fatefully making the payments under 2016 when my financial situation changed. My interest was over even higher than 100 % of what I brought for my credit was in the 600s however I was only approved for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX on XX/XX/XXXX regarding a debt they are reporting as owed for XXXX  XXXX College ( XXXX ). I informed them that the debt was too old to still be reporting on my credit report. Representative XXXX XXXX advised me that they were considering the date of last activity to be in XX/XX/XXXX as I filed a bankruptcy which was later dismissed. I informed him that his understanding of the requirements for the date of last activity were mistaken, and that a bankruptcy filing that was later dismissed in no way extends the reporting time. He claimed that although the date they had listed for the debt was XX/XX/XXXX, they would continue to use my XX/XX/XXXX bankruptcy filing as the date of last activity for reporting purposes. 


Account History : I originally registered for classes with XXXX on XX/XX/XXXX. I then entered into a payment plan on XX/XX/XXXX and made a {$93.00} payment that same day. According to XXXX 's records, it appears that I modified the payment plan on XX/XX/XXXX. There is no indication of any charges/payment arrangements on XX/XX/XXXX as XXXX XXXX alleges. Either way, it has now been greater than seven ( 7 ) years since the date of last activity, which should rightfully be XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX and XXXX is trying collect some mysterious debt from XXXX that I do recognize. 

Not only is this long beyond the statute of limitations, if this company is not fraudulent, is most likely due to the XXXX identity theft scandal from the early XXXX. 

They said I contacted them therefore I acknowledged the debt was real.