23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I signed up for a 30 day trial for Equifax Credit Monitoring online for {$4.00}. I did this online. When I tried to cancel online within the 30 day period, there was no discernible way to cancel on their website. The only option was to email them through their " Customer Service '' links. I sent an email with my information using their online form. They failed to cancel and charged me {$19.00} following the 30 day period. I called Equifax to ask for a refund and they refused saying that the only way to cancel is to call them on the phone. They said this was to protect me, but obviously, all of my confidential information is on their website and the only reason to require a call is to make it more difficult to cancel. When I complained that I did cancel online through their own process, they refused to acknowledge this and refused to refund my money. They make it very easy to sign up online, but very difficult to cancel the same way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

I wont let my personal info to continue to be reported wrongly. Its affecting me mentally and emotionally causing great stress. I demand you fix and update my personal information as quickly as you can so this wont turn into a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XX/XX/XXXX and XX/XX/XXXX I recieved inquiries from One Main financial on My credit report. I did not authorize these hard inquiries. I disputed it, I've spoke with one main reps to get authorization proof for these inquiries but to no avail.
Product: Debt collection

Hello my name is XXXX XXXX I rented from XXXX XXXX at XXXX XXXX XXXX XXXX TN last year and during move in they gave me dirty apartment and said you do not have to pay for it as you have recorded it in the inspection list during move in. So after I moved out in XXXX last year everything was good until this XXXX they reported my account to collection about the cleaning charges. I asked them to send evidence of cleaning and I will pay the charges which was never sent. So I reported this to XXXX and XXXX. XXXX did the investigation and removed that from my account as it was a fraud charge. But I have been doing back and forth with XXXX since 2 months providing them all documents, police report but still without doing the investigation they are saying account belongs to you. whereas I reported about fraud charges and not about account belonging to me. So please help me with this to complaint about XXXX not doing the investigation. Also I was even assaulted in the community for which I had to call XXXX and I had asked to move-out but they said you have to stay the whole term till the end of the lease and never did leave me to move out.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION AND XXXX HAVE STILL NOT PROVIDED ME THEIR PROOF OF THEIR INDEPENDENT INVESTIGATIONS INTO THE FOLLOWING INACCURATE ACCOUNTS THAT I HAVE DISPUTED MULTIPLE TIMES : XXXX XXXX XXXX  # XXXX - XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX TRANSUNION AND XXXX CONTINUE TO ONLY PARROT INFORMATION FROM CREDITORS AND THE ONLY THING TRANSUNION AND XXXX DID is submit the dispute through a computerized system known as eOscar THAT IS A CLEAR VIOLATION to section 611 ( a ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681i ( a ) ( 1982 ), to conduct a reasonable reinvestigation of information on a consumer 's credit report- as was proven in ( XXXX vs. TRANSUNION XXXX & ( XXXX XXXX XXXX, XXXX XXXX et al ) TRANSUNION AND XXXX should have conducted an independent and reasonable investigation to ensure the validity of the debt and the integrity of the creditor in question, THEY DID NOT!!!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( MONTHS REPORTING LATE ) to be removed.

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

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Has Listed 39 Opened Accounts. FALSE. 

XXXX Does Not Indicate That I, The Customer, CLOSED My XXXX  Account. And, That I Had Been With XXXX  Since XXXX  With Excellent Payments, And Up To A XXXX Limit. 

My XXXX  Account Is Listed Within The Credit Report With A BLANK SPACE? AND THEREBY APPEARS SUSPICIOUS. 

My Current Credit Card Balances Are NOT Disproportionate To My Limits. 

Positive, Creditworthy Information Appears To Be OMITTED, OR DELAYED While There's NO HESISTATION Between The Three Agencies TO LIST The One " XXXX  XXXX 's '' Collection For A Pay Day Loan That I've DISPUTED. REPORT WITHHOLDS THE FACT That I'm DISPUTING This DEROGATORY Information.
Product: Credit reporting, credit repair services, or other personal consumer reports

With all  XXXX  Credit Bureaus  XXXX , Equifax and  XXXX .   I have been going through this for a years. I have been disputing items off my credit report for a year they come off then they get back on Now with all of a sudden i own a house a car i never in my life owned a house i never in my life had a drivers licence i put a identity theft alert on all   XXXX   of my credit reports because i recently found out i got my identity stolen last year so i started looking into my credit report and find a lot of things on my credit that did n't belong to me. now i am the victim that needs to proof that I do n't have a car or a home. There  are Medical bill s that were paid late by my insurance company still on my credit report and still wo n't be removed i have been disputing this since last year. A   XXXX    cable c ompany that Does no t belong to me because like i keep telling them i have  XXXX  and i have been a customer of them for years and still am. I have so many different addresses on my credit report that i never lived at. So many discrepancies and nothing gets done. Until when what else do  i have to do?? I have Attached my I.D, Police Report and my S.S. thinking that hopefully things will get solve but no they what more and more information from me until when do i have to keep going to this?? hopefully this will be the end of all this mess!! Please Help tell me what i need to do.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in violation of 15 USC 6802. They are sharing personal information after I have opted-out of personal information sharing. Also the status of the accounts are showing incorrect. They are showing as a " Charge-Off '' which would then have to be reported as income, and income is not the be shown a a consumer report. This account also meets the criteria of what is to be EXCLUDED from a consumer report per 15 USC 1681b. 

" ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXD 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 8
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I was the victim of a sophisticated unauthorized wire transfer fraud/scam. An unknown 3rd party hacked into my online banking account and began adding fraudulent Payees ( up to 7 or 8 people ), enrolled in wire transfer services, and began making unauthorized wire transfers out of my bank accounts.

This ultimately resulted in two successful fraudulent wire transfers made from my personal bank accounts with Citibank - the first in the amount of {$1900.00}, the 2nd -- which Citibank did not catch upon my alerting them of the first fraudulent transaction -- in the amount of {$1000.00}. 
Upon realizing what had taken place, I immediately called Citibank fraud to officially report the unauthorized wire transfer in the amount of {$1900.00}. The bank failed to notice, or alert me of, the 2nd fraudulent wire transfer which had taken place on the same day in the amount of {$1000.00}. 
It wasn't until I went into a local Citibank branch the following day XXXX XX/XX/2021 XXXX to prove my identity and close the impacted accounts that the 2nd fraudulent wire transfer was noticed by the branch manager. I then officially reported the 2nd wire transfer with the help of the branch manager. Despite the fact that I was a victim of a very sophisticated illegal wire transfer scheme by a 3rd party who did an excellent job impersonating Citibank personnel and departments, Citibank has informed me that NONE of my funds are protected, and that there is a very good chance that none of the funds ever get recovered as a result of their investigations which is unacceptable.
Product: Debt collection

I received a telephone call from Portfolio Recovery Associates from a number shown as XXXX in XXXX NC on Tuesday, XX/XX/2021 at XXXX XXXX I did not answer the call and blocked that number on my phone because it was not a number known to me. Today, XX/XX/2021 at XXXX XXXX I received a call from XXXX in XXXX, Alabama. I called the number back and was told first in a recording and then when I spoke to someone that this number is for Portfolio Recovery Associates. When I explained that I have no debt and asked that I be taken off their call list, I was asked for my account number or my social security number. When I explained that I don't have an account and that I certainly don't give out my social security number, I was told that there is no way to access my account so they can remove me from their call list. 

My only debt is a car payment that has never been paid late ( auto-drafted from a savings account ) and a credit card which may have of balance of $ XXXX but is always paid on time and is often {$0.00} balance. These people need to quit calling me!
Product: Debt collection

Levy Law Firm has a debt from XXXX XXXX  stating I owe {$1900.00} and have a judgement against me where they are collecting {$580.00} a month thru my employer which has caused hardship. I can not pay mu rent. I contacted them and said '' there is nothing we can do now ''. But the debt is 12 years old from XX/XX/2009. Virginia has a statue of limitations of 6 years on debt. 
Secondly I was not contacted before the judgement in any way through mail or by phone.
Product: Credit reporting or other personal consumer reports

Im just going to go ahead and say this. Lexington Law is unbelievable! They are nothing but a bunch of takers who take your money. I was the latest victim of this scam. See I need my money refunded back to me and I need to get this refunded to me almost immediately! I will never use this company to get my credit score fixed again because they dont do nothing except to sit down and they dont do nothing for people. In this case I want them to refund me my money that invested into the company for the past few months.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : RENEWAL BY A XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cashapp XXXX Block , Inc ; ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection act ( CFPA ). Specifically, Cashapp 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 process 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 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX  XXXX
Product: Debt collection

The Debtor is Synchrony Bank, and the Collection Agency is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Their phone number is : XXXX. 

I have just been served with the SECOND Summons asking that I respond to their suit on behalf of Synchrony Bank. 

Mind you this is NOT a notice to appear, but rather a request to accept or deny the debt, and explain why I can not pay it. 

I have already written directly to Synchrony Bank, as well as responded to the first summons, where I indicated that yes, the debt is mine, but since illness has robbed me of my ability to work, I now have to survive solely on my Social Security. 

I explained that I have NO SAVINGS. 

Each time I have to respond to these things, it costs me XXXX that I do not have. 

I called the law firm, and tried to explain, and all I got was a clerk spewing legalese. When I asked her why they keep issuing summonses for the same information, her response was that they would continue to do so until I paid the debt. 

I confess that I got quite angry at this, because, as I already had explained, I CAN NOT PAY IT!!! 

I am mailing a CEASE AND DESIST LETTER today. 

Can they continue to harrass me this way/
Product: Payday loan, title loan, personal loan, or advance loan

I am filing a complaint against Rocket Loans for their failure to provide payment assistance during a period of financial hardship, and for their inaccurate reporting of late payments to credit bureaus. 
Starting in XXXX 2024, I began experiencing financial difficulties that made it challenging to make my loan payments on time. I immediately reached out to Rocket Loans for assistance, following the instructions provided in their email communications. Specifically, I responded to their emails regarding past due payments, requesting a repayment plan or other forms of assistance to manage my loan during this difficult period. 
On numerous occasions, I replied to their emails, only to receive responses stating that they could not locate my account. This occurred repeatedly, despite providing other identifying information. This communication failure has persisted for several months, still to this day. 
As a direct result of Rocket Loans ' failure to provide assistance, I have incurred late payment fees and have had negative payment information reported to credit bureaus. This has severely damaged my credit score.
Product: Debt collection

I received a statement state {$200.00} was due m needed to be paid to one advantage. This is not my debt n I want you to send me the name and address of the original creditor
Product: Checking or savings account

Ally Bank sent me a letter indicating that they had passed unencrypted user names and passwords to third parties due a website error. This, according their letter, happened in XXXX yet the notification letter was sent to me on XX/XX/XXXX. 

In a media statement to me Ally acknowledged that this data was sent to these third parties in the clear as part of a website bug. They have refused to provide a list of who these third parties are but have acknowledged that not all of these third parties have actually deleted the data. 

This is a serious security issue and Ally is not forthcoming. They need to level with customers what data they sent to these third parties, who they are, and why that data hasn't been deleted yet. 

I covered this in more detail here : XXXX XXXX XXXX? XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have called equfiax company time and time again and my credit report and score will not show up no where and i called they keep saying there is nothing wrong with it i asked them to put in a tech support ticket and they will not listen and do it. XXXX can not pull up my report either they keep telling me to call equifax and nothing is being done about this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complaint on this company because I have reached out to them several times to no avail. My first issue with this company is that they're reporting late payments to the credit bureau that do not make sense. They're stating that I was 30 days late 2 times, 60 days late 2 times, and 90 days late 12 times. This is incorrect information. I have asked for documents countless times. This is also incorrect reporting, how can I be 90 days late on something 12 times but not 30 or 60 days late 12 times. They're causing me XXXX XXXX XXXX  with this incorrect information they are reporting to the credit bureaus.
Product: Mortgage

Pursaint to complaint filed XXXX & XXXX. New Rez is engaged in creating a paper trail of false statements. NewRez Is saying Iam behind to the sum of {$2300.00} U S Dollars. When in fact they creating old lies mixing it with present data and neglecting to show they refused XXXX payment of {$1300.00} and they only took {$300.00} but previously levied close to {$1000.00} worth of fines.