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

My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX, TBOM/RETAIL 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 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 months that are reported late 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 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: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 Balance : {$5000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$4900.00}.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
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 USC 1681. 

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I applied for a CitiBank credit card so that I could earn money back and received one with {$3000.00} limit, the end of XXXX. I used it a couple of times and the total was {$97.00}. On XX/XX/XXXX, the card was put on hold. When I called, they stated it was due to my social security number being incorrect and I needed to verify it with a form. I did not understand, so I asked to speak to a supervisor. The supervisor stated that it was a normal procedure to have the social security number verified and that a form would be mailed and once verified, the card would be re-activated. I received the form, filled it out completely, mailed back all pages plus a copy of my social security card. Some weeks later, I received a letter stating that they could not verify the social security number and to please call. I called and they stated that I was missing a page, the second page. I had read the forms in its entirety and knew I had sent the forms back in correctly. With all the frustration, it wasnt worth the card, I stated that I would just like to cancel the card. I was informed that I could not cancel the card without verification of who I was. My question to them is, you wont take the card off hold because you say you cant verify who I am. Im now requesting the card to be canceled, but you cant cancel the card because you cant verify who I am? It does not make sense. They stated that they would re-send the forms and once verified, I could cancel the card. I received the forms, called them to ensure that I completed everything and included all pages as requested. Completed forms, placed ALL pages I received back into an envelope and mailed back off. Then on XX/XX/XXXX, paid off the balance of {$97.00}. On XX/XX/XXXX, I received an alert from XXXX XXXX. The credit card from CitiBank was now showing on my credit report and Transunion showed that I had a {$0.00} balance. Today, XX/XX/XXXX, I called back to Citibank to verify they received the information requested. They informed me that they did, that they received it on XX/XX/XXXX, but that it was missing the second page. Now, I dont know who is eating the second page, but this is the SECOND TIME I have mailed in the information, even contacted them the second time to ensure that ALL information and pages was included and still Im getting that they did not receive all paperwork. This is ridiculous. I cant have a card activated because they say I cant prove who I am, yet I cant cancel the same card that is ON MY CREDIT REPORT, because they cant prove who I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting since XXXX that I have an open account with them # XXXX which I have never had and they are coding to my credit report as this being a Foreclosure. I am trying to refinance my current mortgage and ca n't because this is on my Experian credit report. XXXX and XXXX credit reports are correct. I have contacted XXXX XXXX XXXX on numerous occasions and Experian and just keep getting a run around, their employees are also very rude when you ask about these fraudulent claims on my credit report. I just ca n't believe XXXX XXXX XXXX and Experian are allowed to put these bogus fraudulent claims on my credit report and have been doing it for years. This should be a crime and they should be punished for taking advantage of their customers. Please help me. 
Thank you, XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX closed my credit card account with NO NOTICE. I paid the balance off XX/XX/XXXX and now I wanted to use it XX/XX/XXXX and they closed the account. When I called they said due to inactivity??? It hasnt even been a year? They also said they can't reinstate!!!! This made my credit score go WAY down!!!
Product: Credit card or prepaid card

I made a purchase using my Bank of America Credit Card back in XX/XX/2022. It was a purchase with XXXX XXXX. I immediately canceled the purchase, document the person name, the reference number, etc. My Bank gave me a credit of {$59.00} on my account ending in XXXX, Case number XXXX. The merchandise was returned to XXXX XXXX facility in XXXX, Florida, XXXX, on XX/XX/2022 at XXXX. Now the Bank wants me to continue to respond to the the company, this is over a month later. I received the letter XXXX XXXX and have by to respond by XX/XX/2022, which is not enough time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  LATE PAYMENT XX/XX/23 It was claimed that I paid my account 30 days late, but with the statements I am about to show you proves other wise, please help me get them to rectify it.
Product: Debt collection

I took out a loan with Speedy Cash somewhere between XXXX and XX/XX/XXXX.I filed Chapter XXXX bankruptcy on XX/XX/XXXX and contacted Speedy Cash on XX/XX/XXXX and provided them with the Bankruptcy case number and my attorneys information. My attorneys office has also contacted this company regarding my case. We had the meeting of the creditors on XX/XX/XXXX and none of my creditors were there. I have continued to receive calls from Speedy cash until I blocked their number on XXXX.They have now reported me to a collection agency called XXXX XXXX XXXX and I received a call from their office today telling me that they are calling to collect a debt. I explained to the caller that I had filed a Chapter XXXX Bankruptcy case and Speedy Cash was notified on numerous occasions about this date being included. He stated that I did not know what he was calling about I told him I did because I XXXX the phone number and in the comments section it states that this is a debt collector for Speedy Cash.He asked me to verify my information and I responded I will not.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  CA Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of XXXX XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX
Product: Mortgage

I applied for Chapter XXXX in XX/XX/XXXX, completed my payments, and was reaffirmed and then discharged in XX/XX/XXXX with all arrears paid through the bankruptcy. ( attachment 1 ). I continued to make my mortgage payments through ACH debit to Bayview without issues until XX/XX/XXXX ; when they began rejecting my payments without explantion ( attachment 2 ).  My bankruptcy attorney attempted to assist me with resolving this however, Bayview refused to respond to his inquiries, recorded a Notice of Default,  and demanded the total amount due ( attachment 3 ). They have now recorded a Notice of Trustee Sale ( attachment D ) on my property and I am forced to consult a litigation attorney.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Mortgage

This loan was a disaster from start to finish. The goal was to refinance in order to lower the rate on my first mortgage and increase the line on my HELOC. I made this very clear from the start of the process. 

The process was started on XXXX XXXX, 2015 with a closing date near the end of XXXX. The first thing to go wrong was that the closing date was repeatedly pushed back until XXXX XXXX, 2015. The delay in closing cost me roughly {$150.00}, which is the decrease in the payment which would have occurred in XXXX but since we closed late, wo n't occur until XXXX. 

After closing the loan funded several days late resulting in an additional {$190.00} in interest and fees paid on the original mortgages as well as a late payment on my HELOC. A revised HUD was drawn up and executed without my knowledge or consent, and the HUD that I had signed was disregarded. I 'm not sure of the legality of this maneuver, but it is definitely not good practice. 

Throughout the loan process, I was assured by the loan officer that if I refinanced my second mortgage, I would be able to increase the line on the HELOC with little to no fees if I refinanced the second as opposed to subordinating it. The cost of refinancing the second mortgage was XXXX. Once we closed, I was told that the fees to increase my HELOC would be {$1000.00} to XXXX. The only other option that was presented to me was to transfer my HELOC from XXXX to XXXX XXXX XXXX XXXX. I was not told what the fees would be on this, but the terms would increase my monthly payment by over 150 % from about {$200.00} a month to over XXXX. 

When it was all said and done, this refinance cost approximately {$960.00} more than it should have and did not accomplish half of what it should have. In order to accomplish all of the necessary goals, the loan will cost {$2400.00} more than it should have.
Product: Credit reporting or other personal consumer reports

Dear CFPB and Equifax VIOLATION OF 15 USC 1681 ( I ) 4 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

This is not a duplicate complaint. Each issue is on a separate complaint because Equifax is failing to read.complaints especially if they are lengthy In XX/XX/scrub> 2025, it was finalized by Congress that the credit reporting agencies such as Equifax are not allowed to report medical debt on a consumer account. I notified Equifax through a CFPB complaint of the medical debt status of the XXXX Medical Debt charge off Instead of Equifax, considering the relevant information and discussing that relevant information to delete the account, they went to a totally separate account under another name and submitted a dispute to their credit reporting agency about an entirely different issue. It was clear that they never even bothered to read my clear Assertion that the account is related to a XXXX and therefore should be remove. Equifax is not reading complaints at all and doing ham investigations. My rights are violated under the medical debt law as the account remains on my credit report. Also I have been violated under 15 USC 1681 ( I ) 4 that says Equifax shall review and consider the relevant information. Instead, they didnt even bother to read the clear complaint and left the XXXX XXXX Debt on my account without action. They failed to eat and read the complaint and did a sham investigation. 
This behavior is an ongoing issue in the CFPB has received more than 85,000 complaints about Equifax, but the issue remains and consumers are exhausted I have again included my drivers license and SSN card I am demanding that the XXXX XXXX medical debt charge off be removed from my report for the violation of 15 USC 1681 ( I ) 4
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that on XX/XX/XXXX a letter was mailed to Experian in reference to certain accounts that are reporting on my credit. I have asked under my FCRA rights to have these accounts verified due to the fact that I know nothing of these. Under FCRA 15 U.S.C 1681, the credit bureau are required to properly verify ALL information in reference to what they report on a consumer. 

Experian has responded saying verified however, there were no documents showing the verification. Even the company who is holding the account according to a complaint made here on CFPB shows that the company never received any documents showing a debt. Current Federal Law states that the consumer agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from another source. also ordered by the court is that a re-investigation shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

Under the FCRA section 611 ( 5 ) ( a ) these accounts should be Promptly deleted as it can not be verified with the proper documentation although it has been more than 30 days,
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

I received a letter from Receivable Performance Management LLC on  XXXX/XXXX/XXXX, indicating that I owed XXXX. The original creditor is XXXX XXXX. 

I cancelled my service with XXXX about a year or two ago and switched over to XXXX. I had 5 telephone lines with XXXX, and when I cancelled my service with this company, all 5 lines should have been cancelled. Instead, what XXXX did was keep 1 of the former telephone lines open, and claimed that this one 1 line had never been  cancelled. So it was open and inactive for a year or two, without my knowledge. 

It does not make any sense that XXXX would keep 1 line open, since I cancelled my entire service with them. This means that all 5 lines should have been cancelled as well. XXXX chose not to cancel 1 out of the 5 lines, and now wants me to pay for the duration that this line had been kept open by them.
Product: Student loan

My original repayment plan was {$190.00}. I have calculated my plan under XXXX program and spoke with agent at aidadvantage. The agent told me to leave everything as is because if I changed it the monthly payment will increase. And then all of sudden I got billed {$590.00} each month. And I kept calling agents to revert this back to XXXX XXXX  monthly payment but I was told I would be in forbearance and they will correct it. Now they are charging me {$590.00} and said they can not revert the monthly payment back to {$190.00}. And that it would be higher. Each agents tells me something different and some straight hangs up the phone when I call. And doesnt call me back. This is a common tactic this company is doing now. Ive check to see others if they are going through the same and there are many Americans dealing with this unfair billing practices. Even the own agent told me file complaints. At the end of the day, my monthly payment bill has increased so much that I dont know how I will be able to afford my family anymore. Its so frustrating.
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up regarding my formal complaint about unauthorized inquiries currently recorded on my credit report, which contravenes federal law. Despite previous communications and my explicit instructions, the credit bureaus have not adhered to the Fair Credit Reporting Act ( FCRA ) by failing to eliminate these inquiries. The inquiries in question are as follows : 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 obtained a copy of my credit report and notice the following unauthorized accounts these accounts are not mine 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