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

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 60 days 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.

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 XXXX
Product: Credit card

I have been a customer of Comenity/ XXXX   XXXX  for two years and never ever have I been so frustrated and   XXXX   off to be a customer. I have been requesting for the p ast two day s for a credit limit increase and I have been deal t with one hurdle after the other. I have my account blocked because I have been  a victim of ID Fraud they asked for me to lift the freeze and I did yesterday when I was instructed to call back I was told that I could not request a credit limit increase because the process of the credit bureau instructing Comenity that my credit report is free of the freeze would be up to 45 days and that it would take a supervisor to again call me back on another day to verify that I was requesting the credit limit increase. I called the person that I was speaking to out and said I have many other credit cards and no it does n't take that long for a freeze to be removed for you guys to see my credit report. I got really frustrated and requested that my account to be closed because apparently you do n't believe in keeping your companies happy
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$350.00} ; XXXXXXXX XXXX  XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX  XXXX : {$800.00} ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX  ( XXXX : XXXX XXXXXXXX XXXX ) XXXX Balance : {$750.00} ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

We received a collection notice with my son 's name on it, saying their client had made several attempts to collect an unpaid balance ( untrue ) and that they were given the account to collect. None of this is true.
Product: Credit card or prepaid card

I have an XXXX XXXX XXXX XXXX  with Bank of America. I have a balance transfer balance and I use the card for monthly purchases. The balance transfer balance has a 0 % interest rate for the duration of the promotion which is XXXX, 2024. I pay the monthly minimum for the balance transfer promotion and I pay in full my monthly purchases by the due date shown on the statement. I called BofA and the rep stated I am charged interest on the monthly purchases despite paying the balance in full because I made the payment after the statement closed. I said " of course I paid after the statement closed and before the due date. This is how I know how much to pay! '' The rep said I need to look online a day before the statement closes, see how much in purchases I made, and make that payment a day before the statement closes. I asked " what if there are pending charges, etc ''. The rep replied " pending charges won't show on the closing statement. 

This is bizarre, should be illegal, and is simply a way for Bank of America to collect interest charges. NO ONE pays their credit card prior to the statement closing date to avoid interest charges. This practice needs to stop.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I was receiving Ca XXXX XXXX payments through Bank of America EDD XXXX card. I had my funds withdrawn from my account without my knowledge while I still had the card in my posession. I called BOFA and filed a complaint and asked them to experdite it since I was in hardship due to my XXXX yr old XXXX  daughter my wife can't work so this was our only income. I was told by the Customer service person the folowing details which I did not do : XXXX Acct balance inquiry at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 
XXXX Balance inquiry at BOFA XXXX XXXX XXXX XXXX ATM withdrawl at BOFA on XXXX XXXX for {$630.00} XXXX balance inquiry at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ATM withdrawl BOFA on XXXX XXXX for {$1000.00} XXXX ATM withdrawl BOFA XXXX XXXX for {$620.00} XXXX 
I called BOFA and filed a complaint on XX/XX/XXXX and requested a new card.I received my card XX/XX/XXXX and when I called to activate card my claim was denied. I had BOFA reopen my claim and filed a Sheriffs report XX/XX/XXXX. Faxed the report to BOFA. BOFA denied my claim again. I had BOFA reopen my case again and now have no funds to pay for food or bills. BOFA response is it will take up to 45 days however they are just denying all claims and not doing any investigations. These events have been happening to alot of people and BOFA is aware of it since all the wrongdoing was done by BOFA emplyees as published in the news. I just want BOFA to pay me my funds ASAP so I can provide for my family.
Product: Checking or savings account

BOA WILL NOT IDENTIFY WHO IS TAKING MONEY FROM MY BUSINESS CHECKING ACCT. 

FRAUD CASE FILED WITH THEM - THEY SIDED WITH THE OTHER COMPANY - AND STILL WOULD NOT TELL ME WHO IS TAKING $ FROM MY ACCOUNT! 

THIS CAN'T BE LEGAL!!!!!!!!!!! 

BOA ALSO SENDING " ENCRYPTED EMAILS '' FORCING YOU TO CREATE XXXX ONLINE ACCOUNTS JUST TO GET INFORMATION ON THE CASE - THE XXXX PEOPLE I SPOKE TO OVER THE PHONE - SAID THEY HAD NONE AND COULD GIVE NO INFO ON WHO'S BILLING MY ) ( $ @ # # CARD ... ... ...!!!!!!!!!!!! 

INSANE. 

OH, I ALSO GET A LETTER SAYING THAT XXXX. ALSO NEED XXXX MORE DAYS TO SOLVE THIS CASE .... 
THE CASE I FOUND OUT TODAY ( 2 DAYS AFTER I GOT THE LETTER ) THAT THE CASE WAS FAVORED -NOT IN MY FAVOR -- - THIS CAN'T BE LEGAL!!!!!!!!!!!!!!!!!!!!! 

THIS ENTIRE BANK IS RUN BY LAWYERS ... ...!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXXXXXX about an unauthorized hard inquiry made on XX/XX/2021XXXX XXXX XXXX XXXXXXXX has no information about this inquiry or personal data. Therefore, they can not remove this hard inquiry. I have asked the reporting credit bureau to remove the hard inquiry but they will not because XXXX XXXX XXXXXXXX must contact the reporting credit bureau for removal.
Product: Payday loan, title loan, personal loan, or advance loan

I attempted to make payments ( in person ), but after they began taking money from my bank account, I contacted the XXXX XXXX office ( now closed down ) and they referred me to the main office in Texas. After speaking to the vice president and showing them my bank statements proving that they took the money from my account, he explained to me that they would take care of the issue and replace the money they took, but it never happened. I believe they cleared my account, but I still have a XXXX from Title Max on my pink slip that I need removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX   XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$55.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$640.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$620.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account
Product: Credit card

XXXX XXXX XXXX, XXXX, XX/XX/XXXX I am submitting this CFPB complaint to request the immediate blocking of fraudulent information on my consumer credit report, as permitted by FCRA 605B ( 15 U.S.C . 1681c-2 ) .The following accounts, resulting from identity theft, were incorrectly opened in my name : Capital  XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX XXXX  : XXXX opened XX/XX/XXXX, XXXX : XXXX XXXX XX/XX/XXXX, XXXX : XXXX XXXX XX/XX/XXXX, XXXX : XXXX XXXX XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX and a Inquiry from XXXX on XX/XX/XXXX XXXX 
These accounts have resulted in multiple collections and an inquiry on my consumer XXXX credit report. I have attached a list of the specific hard inquiries along with a copy of my consumer XXXX credit report maintained by XXXX, highlighting the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries listed. None of these were opened, authorized, or initiated by me ; all are a result of identity theft and fraud. I have included a copy of FTC Identity Theft Criminal Complaint # XXXX & XXXX as evidence that these accounts and inquiries are indeed fraudulent. I request that this information be blocked within four business days of receipt of this complaint. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint for XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including insuring maximum possible accuracy of my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX and conducting a proper reinvestigation to remove the errors within the required 39 day period XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

They said they fixed my credit and deleted things that was on there
Product: Debt collection

This accounts is reporting as a collection and is showing payment history. Also a 1 month term which is not applicable. They also keep updating my balance every Month. Wrong details on credit report and not properly validated.
Product: Debt collection

The company has repeatedly called over and over again but its never a real person- just an automated system. They have been calling every day while I 'm at work for months now. I have asked several times for them to stop calling me but they refuse. They are jeopardizing my job by the repeated harassing phone calls. I do not even owe the debt they claim I do- I have disputed it and have no record/knowledge of me ever owing anything. When they call and write letters they even threaten to sue me without providing any proper documentation. I disputed the debt and asked for proof- they sent an old lease that was not proof of any debt and did not include images, documentation, receipts, or anything stating that I owed the debt. It also did not have any validating signatures. I have even called and left voicemails several times and have not once received a call back. They also put it on my credit report after I disputed it and keep changing the balance. Its at least every month they go on and change the balance they claim I owe without sending any further documentation.
Product: Checking or savings account

I have been on the job hunt for quite some time now, recently one of the companies I applied for reached out to me and I went through a brief interview process and started the onboarding process. However, in the process of onboarding I completed documentation containing personal information including a direct deposit authorization form. This was a XXXX XXXX XXXX and the XXXX  XXXX  for the company was to be sent to my home. The hiring manager that I was assigned advised to me that a check would be sent to me and I would deposit int into my account and then later Zelle the person who was in charge of inventory and equipment for all employees. Shortly after doing this, I was contacted by the real company, XXXX XXXX XXXX XXXX, and they told me that they received many complaints about people getting scammed from fictions job postings. Now my bank account is in the negative of - {$890.00} and still pending investigation. The claim was done through Zelle and these scammers have a copy of my drivers license, copy of my passport, banking routing and account number, and all my personal identifiable information. I still have all the emails and documentation of my correspondence with scammers that can be submitted to support my complaint.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the 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 the 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. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

* This is not a duplicate complaint * XXXX XXXX XX/XX/2023 Experian Consumer Relations XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Discrimination and Antisemitism - Account : # XXXX XXXX XXXXXXXX XXXX Dear Experian Consumer Relations, I am writing to bring to your attention a matter of great concern regarding my credit report, specifically in relation to an account under the name XXXX. I have recently filed disputes with Experian concerning this account, expressing that it is not mine and disputing its negative impact on my credit score. 

My credit score, which was previously in the XXXX, has inexplicably decreased to XXXX as of XX/XX/2023, despite no new negative information being reported. I find this decline both perplexing and unjust, as it is impeding my ability to secure loans for crucial endeavors such as home, automotive, and business ventures. 

I have diligently and repeatedly disputed the accuracy of the XXXX account, filing complaints in XX/XX/2023, XX/XX/2023, and XX/XX/2023. During these disputes, I communicated to Experian representatives that this account is not mine and is significantly impacting my financial prospects, resulting in loan denials. 

It is disheartening to note that, despite my efforts and communication with Experian, the matter has not been adequately investigated. The continued presence of the XXXX collection on my credit file is detrimental to my financial well-being and has created barriers to my pursuit of financial freedom. 

I must express my deep concern that these actions may be indicative of discrimination and antisemitism. As a consumer, I rely on credit reporting agencies to act impartially and ensure the accuracy of information on my credit report. It is disconcerting to believe that such actions may be motivated by factors beyond the objective assessment of creditworthiness. 

I am seeking a prompt and thorough investigation into this matter, as well as the removal of the inaccurate XXXX account from my credit report. I trust that Experian will address this issue with the urgency and gravity it deserves, ensuring fairness and integrity in the credit reporting process. 
I've filed FTC complaint # XXXX and was told to forward this to include a new CFPB complaint. 

I appreciate your attention to this matter and look forward to a swift resolution. 

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

This account is from a student loan in XXXX & pell grant in XXXX & the loan is in process of being forgiven. Why they reported it to my credit in XXXX more than 10 years later I will never know! The amounts are equaling to almost {$14000.00}.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Items and Request for Resolution under the FCRA Dear CFPB, I am writing to formally raise a complaint regarding my credit report, which has been negatively affected by a data breach exposing my sensitive information. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute errors, correct inaccuracies, and protect my credit from unfair practices. 

Attached to this letter, you will find a copy of my XXXX credit report generated on XX/XX/year>, which includes several inaccuracies and negative items that I believe should be removed immediately due to their connection to the breach. Specifically, I request that : All negative information related to closed and charged-off accounts, including but not limited to those with AMEX, BXXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX  XXXX be removed. 
Any late payments on open accounts with XXXX XXXX be corrected if they resulted from the data breach or inaccuracies. 

I have taken significant steps to safeguard my financial integrity, yet I find myself being penalized for circumstances beyond my control. I request that the CFPB ensure lenders and credit bureaus comply with the FCRA and that they are held accountable for the accurate reporting and protection of consumer data. 

Please note that I expect a resolution within 30 days, as stipulated by law. Should additional information or documents be needed to support my dispute, do not hesitate to contact me. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Student loan

After trying to obtain IRS Transcripts online, I was asked to provide ONE of the following. Home Equity Loan Account Number, Student Acct Number, Auto Loan Acct Number or Mortgage Acct Number. I have a student Loan. I look at the Statement from My loan Servicer Great Lakes. When I entered the information. The IRS stated that this information was inaccurate. So I gave GREAT LAKES A call. The 1st Rep gave me an extension of my account number, I tried that and the IRS stated that that was incorrect. ( online ) I called for a 2nd a 3rd Time, Was told to called XXXX only to find out that they will not give you any information, However they will verify it if you have it. I put a call into the US Dept of Education only to be led down another dead end with only me divulging information and not receiving. I felt each time as if I was speaking to a collections company. Not to mention I never received the correction information. I contacted the IRS again and was told I need to ask for my XXXX XXXX Account Number. The Servicer was completely clueless regarding my request as to what else they could. Each company asked me to contact the other. My question or concern is how can someone collect, ask, service or take payments from me without having a valid and or a legitimate account number to apply my payment to. The very last phone I made was again to Great Lakes where I spoke to a supervisor. I was told by the Supervisor that Great Lakes is the Loan Seriver and the loan number would come from the lender. I asked for the Lenders information and she gave me XXXX XXXX XXXX and I asked her who it was that I was calling and she again stated it was the US Dept of Education. from XXXX E. When I called I spoke to a representative they told me that they work with the US Dept of Education but they are Student Loan Support for the website Studentaid.gov and they don't have the information. I was led down yet another dead end.