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

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

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

I demand the late payment reported to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian 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: Money transfer, virtual currency, or money service

I have called chase more than 4 times and registered my email and phone number with quick pay and they keep giving me this XXXX  XXXX saying the money will be in my account .... 
Im expecting two transfers of {$10.00} and {$50.00} to be in my account which I have not yet got though XXXX XXXX. 
When I called XXXX customer service to speak to someone its jus highly impossible to have some one speak to u over the phone. 
Why open such a XXXX XXXX company when they dont have any people to assist while we like fools use their service!
Product: Consumer Loan

Because I 'm pay every 2 weekS and never decrease loan.
Product: Debt collection

We filed a dispute with XXXX.Dispute # XXXX, We never had a XXXX acct. This is the third time a collection company tried to collect this. It has been removed twice. This time it's a different collection company, Transworld Systems Inc.acct XXXX. XXXX is no help, this was removed XX/XX/2023 the CFPB # XXXX XXXX XXXX  # XXXX. XXXX removed this last time. I told them this was removed twice but they just don't care. They did a poor job of checking the facts.We never had a XXXX Acct. XXXX has NO record of me ever having an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am inquiring to remove the following info from my credit report. I am a victim of identity theft and did not authorize these charges. I've already reported the theft to the federal trade commission 's identity theft affidavit. I would appreciate it very much as soon as possible because it's a burden for me, I would like to leverage my credit and progress my financial lifestyle as soon as I'm able to remove these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX did not submit credit inquiries to the following organizations : The below are listed on my credit reports as HARD inquiries. Please remove. 

XXXX XXXX XXXX  - request Date XXXX XXXX- Request date XXXX US Dept of Education XXXXRequest dateXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX : Request dateXXXX & XX/XX/XXXXXXXX Sallie Mae - Request date XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Request date XXXX XXXX XXXX XXXX XXXX Request date XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 



1. The inquiry was unauthorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please delete it from my credit report. 

2. The inquiry was unauthorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please delete it from my credit report. 

3. The inquiry was unauthorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please delete it from my credit report. 

Close Paid as agreed on time I was never late and this is inaccurate and an FCRA violation. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts listed below is in violation not reporting 100 % accurate. 
1. XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

2. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Update this account to paid on time. 

3. Delete this unverified and inaccurate account. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

4. Delete this unverified and inaccurate account. 
XXXX XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

5. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

6. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

7. Delete this unverified and inaccurate account. 
XXXX  XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

8. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

9. Delete this unverified and inaccurate account. 
XXXX XXXX  XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

10. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

11. Delete this unverified and inaccurate account. 
XXXX  XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

12. Delete this unverified and inaccurate account. 
XXXX  Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me.
Product: Debt collection

Qvc states that i owe a balance of XXXX from 2017 ... ... .this debt went into collections ... .this debt is a easy pay that qvc provides ... .my purchases were placed on my qvc card ending in XXXX, they explained that the purchases were paid but not the XXXX pays... .this is very confusing and from that I'm understanding is that easy pays are separate entity... .I never received any letters from the XXXX collection agencys ( capital resurgence services, XXXXXXXX XXXX XXXX XXXX XXXX qvc states that I can pay them... I'm good with that and have ask them to validate the debt... asked several times and never received any validation ... ..meanwhile they have restricted my shopping privileges with qvc and hsn..
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it emphasizes the need for consumer reporting agencies like XXXX, XXXX and Experian to handle their responsibilities fairly, impartially, and with respect for consumers ' privacy rights. As a consumer, I assert my right to ensure the protection of my private information, as outlined in 15 USC 6801, which underscores the obligation of financial institutions to respect customer privacy.

According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies can only furnish a consumer report based on the written instructions of the concerned consumer. I want to explicitly state that neither XXXX nor Experian, nor the entity furnishing information to credit agencies, have my consent, whether verbal, non-verbal, written, implied, or otherwise, to share my information. 

Referring to 15 USC 6802 ( b ) ( c ), I have not been informed by the furnisher of information about my right to exercise a nondisclosure option, which is a violation of my privacy rights. Additionally, the reporting of adverse information without my permission contradicts 15 USC 1681C ( a ) ( 5 ), as adverse items should not be reported without authorization. 

Pointing to 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it explicitly states that information should not be furnished to a consumer reporting agency if there is knowledge or reasonable cause to believe it is inaccurate. XXXX, XXXX and Experian are failing to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e.

Furthermore, as per 12 CFR 1016.7, I am exercising my right to opt out of the reporting services at any time. This is in line with the broader legislative framework aimed at safeguarding consumer rights and privacy in financial transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and XXXX, Equifax, and XXXX is reporting information that does not belong to me.In addition, they have not responded to my request for deletion sent via certified mail recieved by them XX/XX/2018 and XX/XX/2018.
Product: Debt collection

EOS CCA XXXX XXXX XXXX XXXX XX/XX/XXXX Closed {$0.00} Account Details ast Reported XXXX XXXXXXXX, XXXX Collection Agency EOS CCA Original Creditor XXXX XXXX XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date Responsibility Individual Balance {$0.00} High Balance {$290.00} Remarks Account information disputed by consumer, meets FCRA requirements I paid in full and was told by collector they would erase it off of my report. Instead they put the included remarks.
Product: Credit reporting or other personal consumer reports

In response to a critical discrepancy within my consumer report regarding the account named " XXXX, XXXX I write to assert firmly and unequivocally that my report inaccurately reflects a missed payment on this account. I wish to emphasize that all payments linked to this account have been consistently made on time, and I possess irrefutable evidence to substantiate this claim. Moreover, I possess multiple pieces of evidence supporting my assertion. It is imperative that this matter be promptly rectified to ensure the accuracy and integrity of my consumer report in accordance with legal standards. 
Under the provisions delineated within the Fair Credit Reporting Act, specifically XXXX XXXX XXXX XXXX, consumer reporting agencies are unequivocally mandated to adhere to reasonable procedures ensuring the utmost accuracy of individuals ' information. Consequently, it is imperative that this egregious error be rectified without delay to preserve the integrity and accuracy of my credit report. 

I hereby assert, in unequivocal terms, my demand for the imediate correction of the false information pertaining to the alleged missed payment on the account named " XXXX. XXXX Failure to comply with this demand within the next 10 days will leave me with no recourse but to pursue legal action to safeguard my rights and rectify this injustice.
Product: Mortgage

In XX/XX/2022 my loan was approved for modification where the term was extended from 30 to 40 years and monthly payment was reduced by {$78.00}. However, this reduction is not significant and continues the issue for me to afford the payments. The rate remained the same 4.5 % when at the same time XXXX XXXX offered 3.125 %. When I asked Santander why I didnt get the lower rate, I was advised to submit a rate reduction request. I submitted the request on XX/XX/2022 via the loss mitigation portal. When I attempted to follow-up in the status, the portal indicated that my case is under review, but I didnt receive any acknowledgment of submission or resolution. I called Santander on weekly basis the entire months of XXXX, XXXX, XXXX and most or XXXX. My XXXX  from the approved modification wasnt available. When I was able to leave a VM nobody responded and most of the time the announcement stated that the VM box is full. Finally, when I got a hold of someone on XX/XX/2022, I was advised that lower rate is not available since I agreed to the modification despite it being told in XXXX to accept the modification and request rate reduction separately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA recently passed a law stating that a person or business must have permissible purpose to initiate an inquiry. Section 604 I have contacted the credit bureau recently and they have not sent me any information showing that I have any of the companies permission to pull my credit. I have asked them to send me documentation or a Copy of an agreement or even my ID showing I have the company permission or that they had permissible cause, and they have failed to do so. I also informed them that an fraudulent address in MD has been used to try and obtain credit in my name. Ive never been to or lived in MD. I havent even visited. 

Accounts : XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX/ XXXX. XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not + comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Dear, Equifax Re : Identity fraud victim This wasn't sent inadvertently, and it wasn't a significant false statement.

I am not a third party i am a consumer and that I have included all of my verification documents, the erroneous information on my credit profile that your agency is reporting is already causing me enough stress and anxiety. Before I have to involve my legal counsel, please remove these unathorized items.

Please be advised that the accounts in my credit report are the result of unauthorized use of my social security card and number. These accounts were opened in my name without my permission and consent, and they have nothing to do with anything I did. All of this is unknown to me. In accordance with 15 U.S. Code 1681c-2, REMOVE this information as the law instruct. 

1. These inquiries were not authorized by me and I would like them to be removed ASAP XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. FDCPA section 807 violation misleading false reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 
XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry XXXX XX/XX/XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, VA XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been removed from my credit report for some odd reason. Account is open and I made a payment XX/XX/XXXX. Account has been reported as derogatory for XX/XX/XXXX. Account also is not reporting the proper balance and available credit. This is damaging to my credit score for all 3 credit bureaus.
Product: Checking or savings account

Hello, On XX/XX/2021, I opened an account with -- Current XXXX Banking. On XX/XX/2021, I received an email from the bank saying that my account was closed, and this company gave me no explanation. At the moment my account was terminated, I had a failed withdrawal of {$1100.00} and around {$250.00} in my balance. They keep over {$1300.00} of my money. In the email that they sent me informing me about the account termination, they also stated : '' the funds will be sent to you via a refund check to the registered address of your account. '' I never received any check. I tried to call them several times, but it seemes impossible to communicate with the customer service of this " bank '' or any person in this company. I also emailed them several times, and they never answered. I thought this money was lost until a few days a friend told me about CFPB. Thanks for your help.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against ELAN Financial Services for FCRA Violations Dear Sir/Madam, I am writing to formally lodge a complaint against ELAN Financial Services ( `` ELAN '' ) for serious violations of the Fair Credit Reporting Act ( FCRA ) and other pertinent banking laws. The actions taken by ELAN have caused significant damage to my credit rating and have hindered my ability to obtain credit.

Background : Account Closure Without Sufficient Proof : ELAN Financial Services closed my credit card account, citing " reasons to believe your account is in danger of or is being used for fraud. '' However, they failed to provide any proof of my involvement in fraudulent activity. This unsubstantiated accusation is defamatory and damaging to my reputation.

Denied Access to Online Account : Subsequent to the account closure, I was denied access to my online account, thereby preventing me from reviewing my account history or transactions.

Incorrect Reporting to Credit Bureaus : ELAN Financial Services reported late payments to the three major credit reporting bureaus, which is inaccurate and has negatively impacted my credit rating.

Violations of the FCRA and Other Banking Laws : Failure to Provide Notice of Adverse Action : FCRA Violation : Under the FCRA, specifically 15 U.S.C. 1681m, creditors are required to provide notice to consumers when an adverse action is taken. ELAN 's failure to notify me of the account closure constitutes a violation of this provision. 
Inaccurate Reporting of Credit Information : FCRA Violation : According to 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to report accurate information. ELAN 's reporting of late payments, which are incorrect, is a clear violation of this requirement.

Failure to Allow Access to Account Information : Regulation E Violation : Under the Electronic Fund Transfer Act ( EFTA ) and its implementing Regulation E, financial institutions are required to provide consumers with access to their account information. Denying access to my online account is a violation of these regulations. 
Defamation and Dissemination of False Information : Civil Liability : The baseless accusation of fraud and the potential sharing of this misleading and inaccurate information can constitute defamation. ELAN may be civilly responsible and culpable for the damage caused to my reputation and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED THE COMPANY XXXX XXXX XXXX ON XX/XX/XXXX REGARDING THE ACCOUNT INFORMATION BEING REPORTED ON MY CREDIT REPORT ALL THREE CREDIT BUREAUS HAVE SENT LETTERS SAYING THAT THE INFORMATION WAS VERIFIRED AND ACCURATE ACCORDING TO THE FCRA. I SPOKE WITH CUSTOMER SERVICE REGARDING ACCOUNT # XXXX AND WAS TOLD THAT THE ACCOUNT WAS PAID IN FULL BUT WAS CONSIDERED A CHARGE OFF BECAUSE IT WAS NOT PAID WITHIN THE AMOUNT OF TIME FOR THE CONTRACT. THIS HOWEVER IS INCORRECT INFORMATION IT REPORTS THAT THE CONTRACT STARTED ON XX/XX/XXXX. BUT IN THE CONTRACT IT IN FACT STATES THAT THE CONTRACT BEGAN ON XX/XX/XXXX. REPORTED TO THE CREDIT BUREAU IS AMOUNT OF XXXX BUT, IN SAID CONTRACT THE AMOUNT IS XXXX. THE COMPANY FAILED TO REPORT THAT THERE WAS A SWITCH IN VEHICLES AND DID NOT UPDATE THE CONTRACT TO REFLECT THE NEW VEHICLE OR THE NEW CONTRACT. ALL INFORMATION BEING REPORTED IS FOR A TOTALLY DIFFERENT VEHICLE IN WHICH I DID NOT OWN. HOW DID THE CRA NOT CATCH THIS INACCURATE REPORTING OF DETAILS? THERE WAS NOT A PROPER INVESTIGATION CONDUCTED OR IT WOULD HAVE BEEN CAUGHT.MY CR SHOWS A CHARGE OFF OF XXXX BUT THERE WAS A REFUND SENT AFTER THE END OF THE CONTRACT WITH XXXX XXXX.
Product: Credit card or prepaid card

I paid off my balance in full and capital one continued to charge me interest and can not prove why after paying off the balance I was billed more interest. I asked for a manager in the escalation department and was refused. I spoke to XXXX and she told me that her manager XXXX does not speak to customers, I was not assured that I would not be charged interest on the current interest capital one has assessed.
Product: Mortgage

I purchased a home in XXXX of this year ( 2021 ). My first payment was due in XXXX and I paid my mortgage on time to the servicer which was XXXX. I later received a letter from JP mortgage Chase indicating that they acquired my loan and that, begging XX/XX/XXXX, I was required to send my payments to them and to forgo any payments to XXXX XXXX. I contacted JP Morgan Chase to confirm that they had acquired the loan ( as I had not received a letter from XXXX indicating that the loan had been sold ) and Chase confirmed that the information that was provided in the letter was accurate and that I should pay them beginning XXXX XXXX, 2021. I therefore, paid Chase via automatic payments for my XXXX mortgage. 

Since then, Guaranteed Rate sent me a letter indicating that I am delinquent on my XXXX payment and that they have no record of my loan being transferred. JP mortgage Chase is indicating that this is in error and that they absolutely acquired my loan. Ive attempted to resolve the issue and have been in contact with both mortgage providers but each of them continually give me instructions to communicate to the other provider. I feel that the consumer ( myself ), should not be the delegate between XXXX separate mortgage companies about a transaction that they initiated without my involvement. Both companies XXXX Chase XXXX XXXX ) are informing me to make my XXXX payments to them and Guaranteed Rate continually indicates that I am overdue ( despite the fact that Chase already applied my XXXX payment to the outstanding mortgage balance ). 

In summary, I need help determining who is the proper owner of my mortgage. I will make the payments without issue as long as I know who to make the payments to. However, as it stands, I have XXXX companies, indicating that I own them monthly payments in the exact same amount ( for the same property ). In effect, my mortgage has just doubled. I need assistance in getting the XXXX companies to correspond so that this matter can be cleared up. Thank you ion advance for your help.