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

My account with XXXX 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 in XXXX, XXXX, AND XXXX 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 XXXXXXXX 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 or other personal consumer reports

There was a collections placed on my Experian credit report on XX/XX/XXXX. I contacted both Experian and the collections company and disputed the charge. I sent both parties a copy of my back statement the shows the account had been paid in full in XX/XX/XXXX. I received an email stated the dispute was completed and would remain on my report. I have filed 9 separate disputed regarding this issue and have called the dispute department at Experian of 8 separate occasions attempting to find out why this is still on my report after I submitted proof of payment. Nobody can give me an answer and it remains negatively on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for answering my complaint No. XXXX. I understand that you believe that the information sent to the credit bureau is correct. I can't verify it because my annual credit reports don't show it. This is why I first complained. I thought that you would send me the results of your investigation with a statement and everything that you have on this account. I send you a copy of my report other two are the same way. 
Accounts are : SYNCB/BANAREPDC ( opened XX/XX/XXXX ) # XXXX SYNCB/CARE CREDIT ( opened XX/XX/XXXX ) # XXXX
Product: Student loan

Have been trying to contact Conduet/ ACS for the past several months and there are no valid numbers. I also referred to some old correspondences from ACS but none of the numbers are working. I am trying to get some information regarding a loan listed on credit report. My login information is not valid and nothing is working to help me get the information I am seeking
Product: Credit reporting or other personal consumer reports

I've observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Despite this, I refute your allegations and challenge you to substantiate your right to report incomplete negative information on my credit report.

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts that is both integral and accurate. It also requires conducting reasonable investigations into consumer disputes. As per the Consumer Reporting Resource Guide ( CRRG ), adherence to XXXX XXXX compliance standards is essential for lawful reporting, and any deviation from these standards jeopardizes the integrity of the data. 

I am asserting my rights to challenge these inaccuracies and non-compliance issues. Disregarding my request would indicate a lack of concern for my consumer rights. It is unjust to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I am contesting these claims and requesting evidence of proper reporting standards.

Your actions are violating my rights, as outlined in this document. The incomplete and non-compliant nature of your reporting fails to meet the legal standards. You must certify all aspects of required FCRA/XXXX XXXX compliance truthfully, correctly, promptly, completely, and accurately. Failure to do so will compel me to escalate these issues to the CFPB, FTC, and my Attorney General. 

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
Product: Credit card or prepaid card

This company was opened fraudulently, and I have asked them to remove themselves and have not heard back from them they must delete this listing from my report ASAP ... ..or provide proof under section 609 that validate this debt, the account was not opened by me or does it belong to me
Product: Money transfer, virtual currency, or money service

I was called around XXXX am to say that the gas and electric was going to be shut off. They had me go to bank account and to XXXX, to send the money. I called the bank about an hour later to tell them I was scammed out of almost XXXX! I did not know XXXX was a third party as it is on my banks website. The bank called me 8 days later to say they are not getting my money. I have to call XXXX. XXXX tells me they dont get the money back but will notify the bank used. They would not give me the bank name. This is absurd. I was scammed, called the babk within hours and nothing is done. This is why scammers keep scamming. They are not prosecuted.
Product: Credit card or prepaid card

USAA Credit Card. I have a balance of {$.00} on my credit card account. I attempted to pay this amount via the USAA Mobile app XX/XX/21. I selected " current balance '' as payment amount, deliver by date Tuesday, XX/XX/XXXX, from ( account stored on file ). I received a message that popped up stating " The amount you have entered is less than the minimum required. '' I tried again, this time entering an Amount to Pay as {$1.00}. I then received a message, " You have entered an amount that is greater than the account balance. '' I was unable to complete a payment for the amount owed. 

I attempted to use the mobile assistant but could not get an actual person to answer the question ( just automated attempts ). So, I called the USAA call center. I explained the issue and was advised that was correct, this is how it works and that I could not make a payment for {$.00}. I asked if there was any difference between the mobile app functionality and the actual online site and was advised that it was the same. I was then recommended to just go out and buy something else. I responded that was not the answer I was looking for, I just want to pay what is due. I was then told they could just refund the charge. I declined as this is a valid charge and is recurring monthly, so that is just a temporary solution. If I only have this charge and don't happen to use the card another time during the month, I still want to be able to pay for it. I was unable to reach any resolution during my call and still can't make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this complaint to the bureau onXX/XX/2021 by certified mail. They have not addressed the issues and it still remains. The items do not belong to me and i am wanting it to be removed. Here are the items : XXXX  # XXXX, XXXX XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to inquire about the Metro 2 compliance status concerning my credit information in relation to the Equifax data breach. My name is XXXX XXXX, and I am one of the individuals affected by the breach. 

As a victim of the Equifax data breach, I am concerned about the accuracy and integrity of the information reported to credit bureaus, including Equifax, in accordance with Metro 2 guidelines. The breach exposed sensitive personal information, and I want to ensure that my credit file is being handled in compliance with regulatory standards. 

Specifically, I am seeking information on the following aspects of Metro 2 compliance : 1. Accuracy of Reporting : I want assurance that the information reported to Equifax accurately reflects my credit history and current standing, considering any potential impacts from the data breach. 
XXXX. Timeliness of Reporting : I request confirmation that any updates or corrections to my credit file are being reported to Equifax and other relevant credit reporting agencies in a timely manner, as outlined by Metro 2 guidelines. 
XXXX. Dispute Resolution : In the event that I identify inaccuracies or discrepancies in my credit report related to the Equifax data breach, I expect a swift and efficient resolution process in line with Metro 2 requirements. 
XXXX. Consumer Education : I am interested in receiving resources and support to better understand my rights as a consumer affected by the data breach, including guidance on monitoring my credit report and protecting my personal information. 

I appreciate your attention to this matter and kindly request that you provide me with an update on the Metro 2 compliance status regarding my credit information in light of the Equifax data breach. Your prompt response would be greatly appreciated. 

Thank you for your assistance in ensuring the integrity and security of my credit information. 

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

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$63.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX. ) XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00}. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX  XXXX Balance {$8700.00} XXXX XXXX XXXX Balance {$850.00} I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. I provided adequate notice to the Consumer Reporting Agencies ( Equifax, XXXX and XXXX ) that information in my consumer file that I the consumer has identified as information that resulted from an alleged identity theft pursuant to 15 U.S.C. 1681c-2 and provided all appropriate documents as requested. All furnishers of the identified information that resulted from alleged identity theft was on my credit report also received appropriate notice. The FCRA has Prohibition on Sale or Transfer of Debt Caused by Identity Theft pursuant to 15 U.S.C. 1681m ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ). The company has placed a account on my consumer report that was reported as a resulted of alleged identity theft evidence by an FTC identity theft report and a police report this incorporate as apart of this complaint. The Consumer reporting Agency also has a duty to notify me the consumer in written of the reinsertion of any previously deleted information from my consumer file no more than 5 business days after the reinsertion. I HAVE NOT BEEN NOTIFIED. There actions has result in me the consumer suffering embarrassment and emotional harm when i was denied an extension of credit due to your accounts been apart of my credit file.
Product: Student loan

SoFi failed to let me know why they denied my loan refinance request.
Product: Debt collection

Moneylion has sent me to collection and wrecked my credit for a debt I never had and know nothing about. I have never had ANY agreements with them, no communication with this company. I have checked all my bank accounts and all my email. No email, no snail mail. No payments made, No deposits from them. No downloads, no application, no membership agreement, NOTHING! I can not seem to get a call back from them. I have left 3 messages. The phone number is a fax. XXXX denied my dispute and say they verified it was my account but could not tell me how they verified it. I have had no dealings with this company. They have 105 complaints on XXXX. GET THIS OFF MY CREDIT REPORT!!
Product: Debt collection

FCI Lender Services , Inc constantly threatens to foreclose on my property. XXXX XXXX XXXX owns the second deed of trust on my property and has hired FCI Lender Services , Inc. I tried to do a loan modification with XXXX XXXX XXXX but was unsuccessful because they keep moving the loan to different services. I tried unsuccessfully with the past services to do a loan modification. On XX/XX/XXXX through the US Bankruptcy Court case # XXXX, I was discharged of my debts under Chapter XXXX ( including the second deed of trust ) under section 727 of title 11 US Code ( the Bankruptcy Code ). On XX/XX/XXXX, FCI Lender Services sent me a  letter " to help you avoid foreclosure ''. To " avoid foreclosure proceedings '' I must pay {$42000.00} by XX/XX/XXXX. On  XX/XX/XXXX, I received a priority Mail Express slip from the USPS from this debt collector. This is just two examples of the many threatening letters I receive from them. At the end of the letters it states, " if you have received a bankruptcy discharge, this letter is for informational purposes only and it is not an attempt to collect a debt ''. The letters are very threatening compared to the other debt collectors XXXX XXXX XXXX has used in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a hard inquiry on my credit report which I didn't make it. The name is XXXX XXXX, I have true to contact XXXX  XXXX but the phone no. doesn't let me connect.
Product: Money transfer, virtual currency, or money service

I went into the key bank in XXXX XXXX washington to cash a check then I was told there was a hold on my check, with they usually dont do since i never had a bad check or history of any bad checks since I started over a year ago with them. When I was told about the hold I asked to go elsewhere or work with another banker the banker then told me " I will not let them over ride my decision '' and continued to deposit my check anyway. Without permission and he continued to argue with me even after the other bankers said I usually get my checks cashed. I really do not tolarate discrimination of any kind and I feel as if he was being very rude and profiling me because I am young.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes XX/XX/XXXX, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

ACCOUNTS XXXX XXXXXXXX never late XXXX XXXXXXXX XXXX never late XXXX XXXXXXXX never late/paid in full XXXX XXXX XXXXXXXX not mine XXXX XXXX never late XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX  XXXX {$370.00} not mine XXXXXXXX XXXX  XXXX XXXX not mine
Product: Debt collection

Multiple attempts to work out principle payment payoff with company - tried to settle with company after impacts of XXXX XXXX XXXX XXXX XXXX XXXX sold my interest portion of the loan to debt collector - Since then I have received no less than XXXX calls a day XXXX days a week from the debt collection agency stating that I must give them a call and pay off a {$2800.00} outstanding balance after paying off the principle of the loan to the originating loan company of integra credit XXXX XXXX am now also receiving daily emails with documents to settle this loan from XXXX XXXX XXXXXXXX XXXX for this amount of an interest only balance - between the nonstop phone calls from different numbers and everyone I block this is becoming harassment.
Product: Credit card or prepaid card

I ge t 3-4 letters a month saying I applied for an amazon.com/Chase card. This is over 10 le tters now, and continuing each week.     Somebody is applying for cards in my name repeatedly, and I have called Chase twice, but they are doing nothing to stop it.     I have filed an identity theft police report, I have reported to the credit agencies, and yet Chase continues to process fraudulent applications in my name.     STOP! STOP processing account applications in my name. I am afraid that  Chase  will issue a card fraudulently to a criminal using it in my name or that I will have many hits on my credit report
Product: Credit reporting

On XXXX XXXX, 2016, I checked my credit report through XXXX and there were a total of XXXX hard inquiries removed from my credit report. On XXXX XXXX, 2016, I checked my credit report again and discovered the XXXX hard inquiries that had been removed earlier were now re-inserted on my credit report without sending me a re-insertion letter in accordance with the FCRA - section 611. I have called Transunion and XXXX on multiple occasions and sent a certified letter ( return receipt received XXXX XXXX ) to each reporting agency. My calls to Transunion have been answered by foreign representatives who have refused to transfer me to U.S. reps to discuss my issues. They have told me it can not be fixed and I should go to the police if I want them removed. The police have told me they can not make the credit bureau be complicit with the FCRA. I want these hard inquiries removed as required. My calls and letters to XXXX have not been responded to and it is now 31 days past their awareness of the issue.
Product: Debt collection

The number that calls me nonstop for 18+ months now, sometimes up to 8 times a day!!! Is XXXX ( XXXX ) XXXX along with about 150 other numbers Ive had to continuously block as new ones call me. Portfolio Recovery is the name of this collector, and no exaggeration I have 2 separate lists of contacts named collections 1 and spam 1 both contacts have had over 100 # s added to them, which makes blocking them easier, but that is overkill!!
Product: Credit reporting or other personal consumer reports

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


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


I demand the late payment to be updated. 


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


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


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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


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


Update the late payments from my consumer reports
Product: Debt collection

Amount owed- {$100.00} Collections agency ( franklin collections firm, XXXX XXXX XXXX XXXX ( XXXX ) XXXX Agency sent letters in early XXXX for one or two unpaid sessions. Those were proven to be paid, and I thought this was a closed case. 
The 'medical ' company ( XXXX  ) is an online only therapy support company. My therapist was licensed in the state of Virginia ONLY. When I had an appointment with her I had to be in the state of Virginia, or she could not have the session and be paid. The date of the service in question is XXXX, XXXX, XXXX. First, the company had my credit card on file and charged my account for each session. I never saw an invoice from them. 
Second, on XX/XX/XXXX I was driving to XXXX XXXX, Florida and I have a credit card statement that proves this. 
I have requested, on numerous occasions, a copy of an invoice or some indisputable evidence that I had a session on that day. I have never received anything from them except threatening letters ( see attached ). I have called the agency at least 6-8 times and still have not received any document, period ... except their threatening letter.