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

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX AES was discharged in bankruptcy. They refuse to stop harassing me or remove the debt. I continue to get bills, statements and everything from this company. I have sent them bk discharge papers numerous times over the years including copies of my credit reports showing it was discharged in BK in XX/XX/XXXX. They will not remove it, respect the judges decision and continue to break the law. Once the BK fell off of my credit report, they put it back on with 10 yrs worth of interest. I am looking for a attorney but I am being denied credit and my credit limit is being limited because this debt is being reported. They are currently in contempt of court. I sent a certified cease and desist letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX XXXX, XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  i submitted and fraud report because I was apart of the XXXX  data breach and my identity was stolen there are still reporting items that were apart of the identity thief which is a violation of the ftc Metro 2 Compliance - Standardizes  the information reported to all 3 credit bureaus so that furnishers of credit information to bureaus must use the proper formatting in a form that contains charges that list the wrong date or amount ; math errors ; 67 fields. 17a, which on your credit report Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifcations to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

I have disputed many accounts that are on Equifax, XXXX, and the other Credit reporting agency. 
All XXXX have dates and payment info wrong. All of the account are wrong!! I have asked for a paper copy of my reports, from XXXX and Equifax and never got them. Due to the wrong information, my file for EQUIFAX is XXXX pages long. Also XXXX has a note, that shows that my deposit to my account info is being checked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked EXPERIAN repeatedly for a date when the negative account XXXXXXXX XXXX XXXX is dropping off my credit file and they have not been able to give me a straight answer as mandated by the FCRA. I have a right to know when negative items are dropping off my credit report and to have the information reported correctly or it must be removed. I know it should be this year but they are reporting inaccurate information by not listing the removal date on my credit report ( please see attachment ). I ask that they either disclose the exact date the account is being removed from my credit file - and place it on my credit report or remove it immediately for being incorrect and incomplete.
Product: Debt collection

The first letter XX/XX/XXXX i disputed letter to buckeye credit solutions XX/XX/XXXX two days after they eft {$180.00} from XXXX  acct. Prior to 30 days just wanted to state this company Checks mart & Buckeye credit solutions clearly violated FDCPA laws pertaining to disputes and the 30 day window was not honored there is no valid response? 
# XXXX XXXX XXXX Mon, XX/XX/XXXX XXXX XXXX   XXXX  understands and acknowledges your concerns. The Ohio Attorney General sent your complaint to XXXX  of XXXX Ohio because Community Choice Financial is an accredited business with XXXX  of XXXX Ohio. 

If you would prefer that a government agency handle your complaint, as the issue appears to involve alleged violation of Fair Debt Collection Practices Act, you can ask XXXX  to refer the complaint back to the Ohio Attorney General 's office. 

Or you can continue with XXXX  processing, in which XXXX   provides the accredited business the opportunity to addess the complaint issues. 

In either instance, you may also wish to contact the Federal Trade Commission ( FTC ) as they are the governing body with jurisdiction and enforcement of complying with regulations in place regarding the Fair Debt Collection Practices Act ) FDCPA ) XXXX  appreciates your time and understanding. 

Regards, XXXX XXXX XXXX  of XXXX Ohio XXXX XXXX Mon, XX/XX/XXXX XXXXXXXX XXXX That is why I started with XXXX XXXX atty general XXXX XXXX As soon as XXXX   has received the business response, we will forward it to you for your review. 

Please understand that XXXX  is not a government agency nor do we have enforcement powers over regulations of Fair Debt Collections Practices Act ( FDCPA ) ttps : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text If you have concners regarding compliance with FDCPA, you may want to contact the Federal Trade Commission . Below is their contact information : https : //www.ftccomplaintassistant.gov/ https : //www.consumer.ftc.gov/articles/debt-collection-faqs XXXX, XXXX XXXX XXXX of XXXX Ohio
Product: Debt collection

I received a notice from my credit reports that there was a collection put on my credit report. I disputed the account with all 3 bureaus stating that I was never notified of this debt and that I do not owe money to the original creditor. This company stated to the credit bureaus that the debt was valid and I lost the disputes since the credit bureaus don't really check the validity of false reports from companies and simply take the word of the reporting company since they are getting paid by them. I have attempted to contact the company directly by phone but their system does nothing but put you through an AI system that askes questions about the debt, gives you a confirmation code and then does nothing else. There is no option to speak to someone unless you have a name or extension number and when you try to search by name, it will give you a generic voicemail regardless of the name you choose.
Product: Credit reporting or other personal consumer reports

Made numerous disputes on stuff that was showing up on my credit report between XXXX Equifax and XXXX XXXX for fraudulent activity and accounts that were not mine and they said within a matter of a couple days that my credit did not change and that dispute showed that it was correct information when I know it wasnt they didnt investigate it on any of the credit bureaus I want this looked into
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

While the FRCA creates the credit repair process, the XXXX XXXX XXXX XXXX regulates the credit repair industry. ... The law recognizes that consumers need to maintain a high score and have a right to seek assistance to correct their XXXX XXXX, XXXX all navient loans office of the atty XXXX XXXX fed XXXX ser navie XXXX XXXX credit collection sevic navient XXXX bank XXXX XXXX CFPB XXXX XXXX XXXX Largest XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Every Stage of Repayment The Fair Debt Collection Practices Act, Pub. L. XXXX ; XXXX Stat. XXXX, codified as XXXX U.S.C. XXXX XXXX, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit XXXX XXXX, as Title XXXX of that Act
Product: Credit reporting, credit repair services, or other personal consumer reports

Information never changes on none of the accounts disputed and comes back as verified when there are clearly errors on account status, late or missed payments not being updated to none and collection accounts not being verified for removal instead being reported as charged off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX says they are having an issue getting my credit report from equifax. They said they are receiving an error EVERYTIME they try and get the credit report. I called equifax and equifax said credit karma needs to call them and resolve this issue that equifax can not call them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the co-signer on my son 's new car purchase XX/XX/XXXX leased through Toyota Financial Services ( TFS ). The Toyota lease was setup for automatic payments starting late XX/XX/XXXX. From XXXX to XX/XX/XXXX, without our knowledge, Toyota Financial Services withdrew payments for the lease from another unknown person 's account. My son was in the military during this period, and he noticed in XX/XX/XXXX there were no Toyota Lease payments being withdrawn from his personal checking account. We logged into his Toyota Financial Services online account and noticed that the checking account number listed in the TFS account was off by one number, and payments were being made from an unknown person 's account. We immediately updated his TFS online account to reflect his correct checking account number and in XX/XX/XXXX and forward all payments started being withdrawn from his checking account. In XX/XX/XXXX, we also immediately contacted Toyota Financial Services of this error and it took TFS 3 months to investigate. On XX/XX/XXXX, Toyota advised us of the payment due and that they had reversed all the previous erroneous payments to unknown account. TFS did not disclose to us how the account number error occurred or how they were able to withdraw my son 's Toyota lease payments from another person 's account. We made one lump sum payment on XX/XX/XXXX, for the previous erroneous payments. TFS representative advised us that the previous erroneous payments would effect our credit reports. A few months later TFS reported 6 late payments from XX/XX/XXXX to XX/XX/XXXX. Payments were never late, and due to TFS payment processing error, payment were withdrawn from inaccurate account. We have TFS statements showing all payments being made timely, and one lump payment being made XX/XX/XXXX for previous TFS payment error. The TFS lease was paid in full in XX/XX/XXXX and account is now closed with late payments still be reported. We are kindly requesting that Toyota Financial Services remove all late payments from the account. We have TFS documents to support our claim.
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. This account was opened by someone close to me, although I am uncertain if the exact person I have in mind is responsible. Consequently, I need assistance in removing this account from my credit history, as they were opened due to identity theft. 
XXXX XXXX. 
Your help in resolving this matter would be greatly appreciated.
Product: Student loan

On approximately XX/XX/2018 I received a notification for an option to refinance my Navient loan to XXXX. First off I never had a problem with XXXX XXXX but until Navient came along it been so unprofessional. A few days ago I had to pay both loans from Navient and XXXX which was confusing. I called on XX/XX/XXXX and could not get a straight answer. Until today XXXX called me and said that my loan was not processed properly and I had to begin the whole application process again. I trusted them with my credit and it is unacceptable to be treated unfairly. They indicated that they would still offer me the same terms and rates. I said that would be fine but I have lost time here. I have to review all the payments and interest was applied appropriate. I asked the supervisor for this inconvenience to provide a better rate or do some one time discount but no no no and just sorry. This is very unprofessional and some sort of compensation is due to me after mishandling my information, and my credit. Somebody needs to monitor this company for their violations. Account # XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report and was shocked to find, my personal transactions were broadcasted on it as if that was legal. that is a violation, My transactions were listed on my report, thus hurting my ability to obtain my right to credit. I did not agree to this. 
I only have XXXX address, all other addresses are not deliverable and should not be on my report. I have several inquiries that are unrecognizable and are not permitted. by way of 15 usc 1681 ss 604 ( 1 ) a-d No PERMISSIBLE PURPOSE. illegal and another violation per the FCRA. 
As a consumer, I have the right to privacy per the FCRA, which governs the CREDIT REPORTING AGENCY. The CRA has a duty to make sure that my credit report is fair and XXXX  % accurate at all times. per 15 usc 1681 ss 602 ( a ) ( 1 ) ( 4 ) " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness and impartiality, and respect for the consumers right to privacy '' My credit report contains many inaccuracies and outdated information, I attempted to resolve this with the CRA 's I was ignored. furthermore, I have never given the CRA 's written permission to furnish my consumer credit transactions with XXXX parties or anyone. 15 usc 1681 ss603 ( 2 ) ( iii ) they never gave me opportunity to state if that was ok to do so, per the FCRA. The CRA 's are expected to follow the law, they do not get to break the law at will. The banking system counts on the consumers in order to thrive. unfair reports will only impair the difficiency of the consumer, thus commerce can not thrive and the banking system will cease to exist. unless I give you written consent or you extend me the courtesy of knowing what will go on my report in advance per the FCRA. I want all of my accounts transactions from. utilization to inquiries that are all unknown and have no permissible purpose to be erased from my credit at once. I want my name to be Spelled correctly with no variations or alias. My address should only be XXXX address not XXXX or XXXX that's violating my consumer rights under the fcra
Product: Credit reporting or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX XXXX, XXXX XXXX XXXX # XXXX XXXXXXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX # 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 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 agency if the person knows or has reasonable cause to believe that to believe that the information is inaccurate.
Product: Checking or savings account

Cash app terminated my cash card for no reason and wont tell me why? Cash app is P2P send and receive service so what is the point offering a debit card to use to make purchases when they terminate my card out of the blue without warning and no explanation. Cash app is payment service but they limit their service on my account and dont offer option to appeal my case. Cash app even offer to buy bitcoin and option to send bitcoin to external wallet but targeted me by making it hard to send bitcoin if they offer the option to send bitcoins out of cash app
Product: Debt collection

Received a letter informing us my husband was lucky, that XXXX XXXX was willing to accept a greatly reduced amount of money in order to cancel a loan. We wrote informing them there was never such a loan ... wrong party. Today we received a letter wanting everything from social security numbers, drivers license numbers, etc.and to have this informative letter notarized. I called XXXX XXXX ... they have no loan as described by the letter. The company sending the letter is Convergent Outsourcing, Inc.XXXX XXXX, XXXX, XXXX. They are located at XXXX XXXX XXXX XXXX, XXXX, Wa. XXXX ... The loan is to be for {$3000.00} ... 

At this point, having made several inquiries, we are suspicious this is not a legitimate investigation. We are unwilling to release our personal and private information, such as social security numbers, drivers license numbers, etc to this company. Any advice would be greatly appreciated.
Product: Debt collection

I formally demanded the purchase agreement for an alleged debt that Midland Credit ManagementXX/XX/XXXX has threatened to sue me for. The item in question pertains to an alleged debt ( account # XXXX ) that XX/XX/XXXXclaims to have the right to collect on. However, despite my repeated requests, the last being XX/XX/2024 via the cfpb portal, XXXX has failed to provide the necessary documentation, specifically the purchase agreement used to buy this debt that would substantiate their claim.
Product: Credit reporting or other personal consumer reports

Equifax refuses to remove unauthorized inquries from my credit report, even after I have provieded them with an ftc report, and copy of my social security card, and utility. I have sent in letters on numerous occasions and all get the same line. We will remove them within 30 days, and then when the 30 days are up they are still not removed. XXXX and XXXX have removed them months ago when provided the necessary information, Equifax is negleting to uphold its duties as a credit reporting agency, and delete the fraud information from my credit report witch violates the fair credit reporting act, delete this fraud info at once.
Product: Checking or savings account

On XX/XX/XXXX I requested two wire transfers from my Chase checking account to be sent to a recipient who also banks at Chase. The same recipient had previously received a wire from me in XX/XX/XXXX but at that time they banked at XXXX and the account had since been closed. 

I used the XXXX website to set up a new recipient because the old recipient information from last XXXX was not visible as an option in my wire transfer recipient list. The new account was set up with Chase as the receiving bank, whereas the XX/XX/XXXX transfer was to XXXX XXXX  ( which the recipient has since closed ). 

In the same session I submitted 2 wire transfer requests to the same recipient ( at Chase bank account ), XXXX each on XX/XX/XXXX and XX/XX/XXXX. 

Chase processed the XX/XX/XXXX transaction correctly. The morning of XX/XX/XXXX chase put a fraud hold on my account. I spoke to an agent to unfreeze the account and the agent asked me to resubmit the wire. I resubmitted it, again using the newly created recipient information with their Chase bank routing and account number. 

Later XX/XX/XXXX Chase showed the wire transfer had actually been sent to XXXX XXXX  ( the expired, defunct XXXX information rather than the XXXX recipient ). XXXX returned the wire less a {$25.00} fee. Chase additionally kept the {$25.00} transfer fee despite having errred and sent the wire to an incorrect recipient. 

After two more calls to customer service, one branch visit, and being transferred across 3 different international Chase call centers their agents claim they can not refund the {$25.00} fee XXXX withheld from the returned wire that resulted from Chase 's error.
Product: Vehicle loan or lease

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with VEROS CREDIT. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.