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

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

This was clearly a billing error made 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 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 AND XXXX 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: Debt collection

Today XXXX, a debt collector, from Reliant Capital Solutions , LLC attempted to collect a debt from XX/XX/2020. The medical debt was already paid from my insurance settlement! 
Also, my caller id showed XXXX called from XXXX, but gave me a callback phone number of XXXX very suspicious!
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or might of being issue with the bank doing a transfer from savings to checking account. But i'm shocked and I can't believe how this is possible.
Product: Credit reporting or other personal consumer reports

The three credit bureaus XXXX TransUnion and XXXX  are all in violation of federal law and need to be fine for reporting fraudulent accounts on my name that have been opened without my consent I have sent them all police report and Id theft reports they continue to violate federal laws with out penalties
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the bureau and creditors many times about how and why this information is on my credit report I have not business with any of these accounts. Im XXXX from XXXX XXXX. I ca n't drive and I don't apply for loans I'm on a fixed income here. please help remove this information from my credit please.They don't listen to me ever. XXXX bless XXXX XXXX XXXX Status Closed Balance {$1600.00} Type Collection Payment Status Late XXXX   XXXX XXXX Status Closed Balance {$1700.00} Type Collection Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid XXXX XXXX XXXX Status Closed Balance {$4000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX CO XXXX Status Closed Balance {$16000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$7100.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX XXXX  XXXX - {$0.00} XXXX XXXX - XXXX - {$22000.00} XXXX - XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX - {$26000.00} Late Payment XXXX XXXX XXXX XXXXXXXX - {$24000.00} XXXX XXXX  XXXX - {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I got at a loan in XXXX of 2017 I paid it on time and when I got my last long I lost my job I informed company and let them know I would pay them cash but never set up any arrangement payment or plan because I didn't know when I would work again I was unemeployement and got odd and in jobs but now enough to pay the loan was for XXXX and that was with interst I pay them in XX/XX/XXXX. XXXX and let them know I was still unemployed but would come in and pay as I could well I finally got a stable job and right as I begin to pay them I was hit with the total amout due a week before this I paid XXXX so what was owed was XXXX left to pay I had plan on going in and making payments but instead the company got my checking account informantion and paid themselves instead of allowing me to pay them off and after speaking with the store in my area and two reps from customer services was informed that I they was allowed to take money without my permission at anything because I sign a contract but this was a year old and not once did they call me nor did they send me a letter saying they would take my money like this even when I am willingly paying them as I can at the time. I feel cheated I feel as if they stole from me when I need my money to pay my bills as normal but instead they took my entire check and had nothing else to say. other than I owed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX my DOB is XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my phone was stolen and I had several unauthorized transactions from my cashapp account. I have submitted.a claim with cashapp. 
XX/XX/year> {$770.00} XX/XX/year> {$20.00} I have submitted a.police report as well.
Product: Credit card

Previous submitted XXXX the company asked my to pay {$20.00} in order to hold by account that was supposed to be charged on XX/XX/XXXX. Said they will hold my account until XX/XX/XXXX. I paid the {$20.00}. I called to pay the settlement offer of {$210.00} on XX/XX/XXXX and they said my account was charged off and I would need to pay the full amount. They were supposed to hold my account from being charged off as agreed Total visa replied with a letter stating that they would send the account back to total visa. I called total visa and they said the account is with XXXX XXXX XXXX and there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report via XXXX XXXX, I saw that a company called " Fifth Third '' pulled a hard inquiry on my credit report on XX/XX/2018. I did not authorize " Fifth Third '' to pull my credit report.
Product: Student loan

I have been trying to apply for repayment options since XX/XX/2018. The total loan amount is approximately 17,000.00 I have submitted the requested paperwork multiple times, changing my monthly income stated as directed by the representative, and was told that the process was completed. I was then re-contacted and told that I did not qualify and that the process was not complete. 

I requested and spoke with a supervisor who provided me another option of consolidation. I called back to speak with a representative to ask a few questions as I was about to submit the new paperwork for consolodation. This new representative then told me that I was eligible for the repayment application and should not consolidate. Each representative has provided different, conflicting information. 

I still have not been able to complete the process and obtain a repayment plan that is manageable for my family.
Product: Credit reporting or other personal consumer reports

This is a follow-up from complaint # XXXX I updated and submitted information to Transunion and XXXX XXXX days ago to reinvestigate the inaccuracy of the account on my report. When checking my report tonight, they sent an email saying that the accounts were updated. I am aware that under FCRA Section 611, you are required to conduct a reasonable investigation within 30 days of receiving a dispute. During this time, I request that you contact the furnisher of the disputed information to verify the accuracy of the data. In three days, they came back, saying they had updated. See the attachment showing what they just sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was added to my credit report as my employer. This is incorrect reporting and i want this removed immediately. I do not work for XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

these accounts should be removed from my credit report, they are no longer open they are showing open and they were part of a bankruptcy that happened yrs ago. the courts do not report to the bureaus, I should not have these accounts on my credit profile hurting me.
Product: Credit card

I made a payment on my credit card on XX/XX/ of {$2200.00}. The disclaimer says the following " transactions submitted before XXXXXXXX XXXX ET with today 's date will be processed and credited to your account immediately and can not be edited or cancelled. '' It is now XX/XX/ and they have only released half of my payment in the amount of {$1100.00}. This has caused an immense amount of distress. I have rent and other bills that were due yesterday and I was unable to pay them because Truist placed a hold on my funds. I asked them why and they said it was because they can. The money is no longer in my checking account but it's not on my Truist card either. Something similar happened last month but they released it in about 2 days still delayed but not like this month. The delay last month caused my statement balance to exceed my credit limit and has impacted my credit rating. This is not fair and should be reversed. It is also not fair that I have to now suffer the consequences of late payments and the distress I have been experiencing due to these unfair practices. When I called Truist to ask why they simply told me because they can, which isn't a reason. If they have the money why is it not available for me to spend? That has never happened with any other credit card I have. They also said I could escalate the issue but that would still take 1-2 business days. I am filing this complaint in hopes of a fair recourse and prevention of anyone else having to deal with this level of stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts # Dispute XXXX XX/XX/XXXX XXXX Account Details Payment Status Account Number XXXX Condition Paid Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Charge account Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Account has been closed due to inactivity.| Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone # XXXX Discrepency Between BureausMissing Data XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Account Details Payment Status Account XXXX XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX  Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Credit Card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks The following Accounts was in dispute- unresolved Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Installment XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 ______. 

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. 

Best, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : name and address not mine XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : credit card not mine XXXX  {$960.00} FCRA Violation : collection not mine XXXX XXXX XXXX {$840.00} FCRA Violation : hard enquiry not mine XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase.com/amazon credit card online payment center only allows me to make minimum payment. When attempting to pay more than the minimum payment, but less than the total balance the payment will not submit. This has been an ongoing issue with this credit card. Additionally, can not make more that 1 payment a month online, when attempt to make more than one payment in a one month period the 2nd payment will not submit. Great scheme JP Morgan has to maximizes its credit card interest revenue, is it legal?
Product: Credit reporting or other personal consumer reports

They did nothing to fix and take accounts that are unlawfully being used on my credit report if needed I can pull the law up and send also
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I initially made a complaint about XXXX  XXXX about an account on my report that violated a number of my rights, and they removed the account from my reports but immediately sold it to this company. Many of my rights were violated and the account shouldve never been on my report to begin with. I have requested validation of said debt from this company given that I have no contract, no ties, with this company. The debt is not mine. I do not owe them, yet they keep harassing and XXXX  me at all times of day. They call me from multiple phone numbers up to 4-5 times a day and text me nearly every other day. Ive received mail from them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have faced an issue with Experian Report got fraud and hacked, there is Unautorized HArd inquiry has left on, and i trying to reach Experian to dispute these activities on my credit all this activity i didn't apply for any related with this below XXXX XXXX XXXX. XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 - XXXX XX/XX/2019 XXXX
Product: Debt collection

Complaint and demand for a copy of proof of payment for my property taxes in XXXX XXXX 2022.
Product: Money transfer, virtual currency, or money service

O n Thursday XX/XX/2022 I received an email from PayPal that I have an invoice for {$560.00} USD from a digital currency company called XXXX. I did not participate in any transaction with XXXX and did not make any purchases of digital currency. I canceled the invoice through paypay.
Product: Vehicle loan or lease

On or about XX/XX/XXXX I purchased a car and received financing through XXXX XXXX   XXXX  ( XXXX ). I signed a 72 month contract with a finance rate of 18.95 % and monthly payments of {$880.00}. During the course of the loan I was allowed a total of 8 deferments, which I was informed there would be no penalty and the deferments would extend my loan as they are placed on the end of the loan. My original maturity date was XX/XX/XXXX but due to the deferments matured in XX/XX/XXXX. Towards the end of the loan I received a statement which led me to call the finance company and inquire about the balance. I placed this call on or about XX/XX/XXXX and was informed that due to the deferments I had an outstanding balance of approximately XXXX XXXX. During this call I was told that the deferments caused me to accrue an outstanding interest balance and that is why I still owe on the car. On that same day a payment history was emailed to me and I was reminded that, according to the contract, this is a simple interest loan. The representative attempted to explain the situation and stated that the interest on the deferments accrued over time, but every time I reiterated what he explained he would say I did not understand how simple interest loans work. So I researched the definition of simple interest loan and studied my payment history for further clarity. On XX/XX/XXXX the starting balance was {$37000.00} and first payment of {$880.00} was made. Only {$5.00} was applied to the principal and {$870.00} was applied to interest. Apparently, there was a miscalculation from the very beginning. The applied interest should have been approximately {$580.00} and the remaining {$290.00} should have been applied to the principal. Throughout the course of the loan, there were a total of 9 payments made where {$0.00} went towards the principal with one time being 4 consecutive payments. This is partly the reason I have an outstanding principal balance. In fact, the history shows random and sporadic interest charges, most times inflated. In one instance, on XX/XX/XXXX, after over 3 years of paying on the loan, only {$6.00} was applied to the principal. According to the definition of a simple interest loan, the amount applied to the principal will always increase and the amount applied to interest decreases as the loan matures. This is not reflective in my payment history. As stated in a letter provided to me on behalf on XXXX on XXXX XXXX " the interest accrued is based on the outstanding balance. '' I am unsure how they calculated the interest because it does not coincide with the outstanding balance and an interest rate of 18.95 %.
Product: Credit reporting or other personal consumer reports

I have requested for TransUnion and XXXX to remove my old addresses from my credit report. I know longer reside at the following addresses. They should be removed immediately from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Two factor authorization fails when trying to convert rewards to partner programs. This effectively prevents me from using my miles on my Capital One Venture XXXX card and Capital One is failing to fulfill the conditions of its own program. They told me there is nothing they can do and I should wait and see if it resolves on its own. Strangely, two factor authorization works upon initial sign in but it does not work when trying to convert rewards. XXXX different technical support agents told me there was nothing that could be done aside from submitting feedback.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX