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

My account with EQUIFAX XXXX XXXX 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX Account Number:XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.Under the FCRA, XXXXredit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

I have disputed this company in the past. They do not have updated information on my credit report. I have been making my payments every month, plus additional payments and it shows that the payment history is still past due, since XX/XX/2018. This is affecting my credit score and I want it taken care of immediately. I am so done with this company. 
Ally Financial.
Product: Mortgage

Since loans inception ( XXXX ), an erroneous filing of multiple parcels associated to this property has made my taxes to have been paid incorrectly. I have made 20+ phone calls to the lender regarding a significant error resulting in over {$10000.00} dollars of escrow shortage of which the lender has not rectified and is continuing to charge me monthly for their error. They have doubled my mortgage payment for the past 9 months. I spoke to a customer rep who told me that they paid a {$6000.00} tax bill in XXXX of XXXX through my escrow and a third party billing company ( XXXX  ) and was told to ask the auditor why it does not show as a credit to the property. Firstly, my property taxes for this home is {$1200.00} a half due and paid XXXX and XXXX so an XXXX payment is a huge red flag alone as well as the excessively large amount sent that was supposedly requested by the auditor. I have been in constant communication with the auditor who is just as confused as i am. I own several properties in this county and she researched all of my properties and has not seen any credit or payment received as stated by UWM for any of them. There has been ZERO communication from UWM to me regarding my multiple requests for further investigation and remedy. Every time i call UWM, I have to explain my situation to the rep and have been told that UWM did their own investigation and closed my request for expedited intervention,. No call or email or hard copy acknowledgement has been received by me from them. Every time i call I have to start over again. I have been trying to rectiy this sitatuion with them for over a year now. This all began XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to refinance my home today XX/XX/2021 and according to my scores on XXXX  and XXXX is at XXXX but Wellsfargo states that my XXXXredit score is at XXXX : XXXX XXXX : XXXX how can that be fixed I contact both agencies and both have me at XXXX i dont understand how Wellsfargo is getting that credit score
Product: Credit card

Made a qualifying charge on my XXXX XXXX card ending in XXXX ( expiration date XX/XX/XXXX ) for the XXXX {$200.00} XXXX XXXX credit on XX/XX/XXXX, that showed as pending on XX/XX/XXXX. 

XXXX posted on XX/XX/XXXX, which triggered the XXXX {$200.00} XXXX XXXX credit. 

I called and messaged Amex and was told there was nothing they could do, as the transaction didn't post until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXXXXXX XXXX XXXX. I don't have a contract with General Credit Services , Inc . They have not provided me with the original contract as I requested. I demand this account be removed from my credit report. The dates on my credit profile are incorrect I never opened a auto loan in XXXX
Product: Checking or savings account

I mailed a check to a creditor, XXXX XXXX. Someone intercepted the mail and deposited the check into Wells Fargo bank. The endorsement was clearly wrong and Wells Fargo should have never accepted the item for deposit. Wells Fargo is conspiring with the thief by failing to return my funds.
Product: Credit card or prepaid card

I received a letter from Citicards dated XX/XX/XXXX alerting me to a check in the amount of {$140.00} which was issued to me on XX/XX/XXXX and remains uncashed. It instructs me to contact the Customer Service telephone number on the back of my card if I did not receive the check, which is the situation with me. I did that, and after 30 minutes on the phone, neither the representative nor a supervisor were able to figure anything out. The letter identifies an account ending in XXXX, but Citicards was unable to find any account ending in that number. 

I asked for the phone number for the Citicards Executive Response Unit and was given a phone number for a Citicards third party contractor by the name of XXXX, who claims this is not their area of responsibility. 

I would like to have Citicards reissue a check to me for the {$140.00} I am due, but Citicards is unable to locate the account.
Product: Credit card or prepaid card

On XX/XX/2021 SQUARE CARD debited my account for {$200.00} to pay a vendor XXXX XXXX. The vendor was ALREADY PAID BY ME from a different account, a different bank. 

This vendor wrote the Square Card dispute team several times to CANCEL her dispute to let them know that she had been paid by me directly. 
They wrote her back & refused to communicate with her! 
The vendor & I BOTH wrote them and sent them receipts to show that I paid the {$200.00} directly to the vendor. They STILL REFUSED TO LISTEN & have STILL DEBITED MY ACCOUNT!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting me as having a balance when it should be no balance, this is included in chapter XXXX Bankruptcy that has been discharged
Product: Credit reporting or other personal consumer reports

I do not recognize this address. Please remove these addresses from my account 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, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX  later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XXXX TRANSUNION HAS FAILED TO DELETE THE 5 INQUIRES ON MY CONSUMER REPORT AS WELL AS TO UPDATE THE ACCOUNTS WITH XXXX XXXX REPORTING ACCURATLEY IT WOULD STATE THE THE PAYMENTS WHERE MADE AND CURRENT AS IT DOES WITH XXXX. ALSO XXXX I HAVE SUBMITTED THE DOCUMENTS PERTAINING TO THE DEFERMENT AND I HAVE NOT SEEN AND UPDATE IN THE CREDIT REPORTING AT ALL ITS SHOULD STATE THAT I WAS NEVER LATE AND CURRENT I AM CURRENTLY IN DEFERMENT AND WAS AT THE TIME OF THE ACCOUNT BEING REPORTED LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, this is my third time trying to solve this issue with XXXX and Experian they have to be the two worst company on this planet, they are irresponsible, arrogant, do n't care about customers, they take their time to respond to customers. 
They are reporting inquiries on my credit report which I never applied for any product, I have a vehicle so I do n't need a car loan and I will like to know why I have more than 20 inquiries less than a month that is unfair and I need justice. please help me to sue these companies. please help they are ruining my credit.
Product: Checking or savings account

On XX/XX/year>. Somebody hacked my Chime account and withdrew all of my money from my account. I contacted Chime about my problem, I was told that they have a high tolerance for people hacking into other people 's accounts and taking money and they will fix the problem. I was told I had to send in proof and the amount was stolen from my account. I was told that I had to wait XXXX days for an update. The next day, chime canceled my request to fix the problem. I called and Chime said they didn't get any of the pictures I sent in and that they didn't see anything wrong with somebody hacking my account and taking money out. also, Im having problems with them about receiving refunds back into my account or a glitch with my money or anything. I always get told I have to wait XXXX to XXXX  days to receive documents on the reason why they are refusing to put any of my money back into my account. Also on XX/XX/XXXX someone took my train card and withdrew {$600.00} from my account. I contacted Chime they told me I have to go out and find that person and make that person return the money because they are not going to fix the problem because it doesnt have anything to do with them, it has to do with the person who took my card the money. The only thing they said they could do was send in a new Chime card and I kept asking can I please just get the money back instead of a new card or do both and they said no the only thing theyre gon na do is send back a card. Also, Chime owes me a lot of money and I know for a fact I would not be seeing that again. The amount is close to {$3000.00}. I have called them multiple times to talk and they are refusing to talk or send in documents of what I have called for and never received it in the mail or my emails after I was told I was supposed to get received by email and mailed. I ask about that I keep getting told I have to wait XXXX to XXXX business days or XXXX to XXXX business days.
Product: Credit reporting or other personal consumer reports

1.LVNV Funding LLC balance {$940.00} no action was taken by the company XXXX balance {$750.00} no action was taken by the company XXXX ) XXXX balance {$1100.00} no action was taken by the company XXXX ) XXXX XXXX XXXX balance {$280.00} no action was taken by the company XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance {$230.00} no action was taken by the company
Product: Debt collection

I am writing to provide a complaint that was created on my credit file on behalf of XXXX XXXX, regarding Account Number : XXXX. The item identified is inaccurate/incomplete because 1 ) I  never received any mailing notification that of owing any monies to this creditor and therefore not responsible for this debt and should have not been reported in my credit file, 2 ) This account was purposely re-aged by XXXX XXXX. On XXXX XXXX I noticed this debt had been placed on my credit report as having an opened date of XX/XX/2019 with status update past due as of XX/XX/2019. XXXX XXXX re-aged this account to appear as a new debt rather then owned by a new creditor. 

Below is summary of letter sent to creditor On XX/XX/XXXX : I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and Floridas Consumer Collection Practices Act ( FCCPA ) whose provisions require all debt collectors to send specific written documentation verifying the debt amongst other statutory provisions. Under section 559 of the Rules/Definitions of the Florida Consumer Collection Practices Act, verification requires all the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge.

Provide proof that the State of Limitations has not expired on the alleged debt, or ; Provide proof that the alleged debt/account has not be re-aged as a result of unscrupulous practices I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor.Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report says that I am diseased and I can not access my credit report.This happened at XX/XX/20
Product: Mortgage

1. Referring to Complaint # XXXX, Seterus admitted wrong doing with their statement " When an escrow account is created for the disbursement of property tax and/or hazard insurance premiums, an escrow payment is to be created to repay the disbursements. However, XXXX did not create a regular escrow payment. Please be advised that we are unable to explain the actions of XXXX while they serviced the loan. ". 
2. When Sterus can not explain the actions of XXXX, Seterus has the responsibility of obtaining the explanation from XXXX before creating an escrow account. They failed to do it. 
3. The {$0.00} is simply due to round off to higher dollar when I make payments, instead of {$1800.00} to {$1800.00}. It has nothing to do with any escrow payment. 
3. Calling a non-escrow account an escrow account is a deceptive practice. Seterus can not produce a letter from XXXX to confirm it is an escrow account, because XXXX will not say it is an escrow account. 
4. XXXX simply put the amount in an account that will be part of pay off amount. The mortgage is principal and interest payment only. 
5. XXXX sent me a letter stating that the terms and conditions remain the same after transfer to Seterus. But Seterus violated those terms and conditions.
Product: Credit reporting or other personal consumer reports

Your Company JPMCB CARD is furnishing inaccurate and incorrect information to the consumer reporting agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 


JPMCB CARD XXXX
Product: Credit reporting or other personal consumer reports

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : 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 these illegal inquiries are reported illegally on my check systems report, XXXX report, XXXX report, and XXXX XXXX report. It must be removed ASAP. Also, my check systems report has many errors including my date of birth of XXXXXXXX XXXX XXXX  which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXX, my check system has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XX/XX/XXXX, I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. On XX/XX/XXXX your agency completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( XXXX ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/XXXX To be more specific, based on FCRA 611 ( a ) ( XXXX ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( XXXX ) which states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. Please reply within 15 days or delete the negative items, as originally requested. Below are the items that do not belong to me that you continue to report erroneously. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Please provide the date you contacted the creditor, the contact information for the creditor, the name of the person who verified the item to you, the method of communication you used to verify this information and did the creditor provide you with my SSN, address, and Date of Birth? Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately.
Product: Debt collection

Received a collection agency notice from AAI stating I owed XXXX University over XXXX XXXX in outstanding tuition. This is strange since there is XXXX XXXX in interest, and there has never been any other correspondence through AAI until the statement dated XX/XX/21. Also erroneous since I have never attended this institution nor have I ever registered. The claim seems legitimate since they collection agency has my name and address correct but no other proof is disclosed. Typically, when receiving invoice I question the intent, the amount and even the validity before responding.
Product: Credit reporting or other personal consumer reports

I submitted multiple requests to remove inquiries not requested by me and not given correct information in my name with lenders. TransUnion did not remove the inquiries. I called and spoke with them to remove them, but they still have not.
Product: Credit reporting or other personal consumer reports

All three bankruptcies were unlawfully handled and reported to my consumer credit report by the three credit agencies without my consent or knowledge or me being notified 5 days prior identity theft and violation 15 usc 1681as well as XXXX  and XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I used ingo app to cash my payroll check. It was for XXXX $ they wont give me the XXXX XXXX XXXX and I keep asking for it. They have not tried to help me at all and their customer service sucks. My bank showed they verified the debit card I linked to ingo but that's all they received.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITY BANKXXXX XXXX XXXX a charge off on my consumer reports. A charge off is considered income by the INTERNAL REVENUE SERVICE. A 1099-C was filed, but I have not received my copy. COMENITY BANKXXXX charge off shall be removed from all consumer reporting agencies reports immediately.