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

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


XXXX XXXX TRANSUNION 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: Debt collection

RE : # XXXX This is my 3rd attempt to file a complaint & receive a proper debt validation. My first attempt was mailed on XX/XX/2019 & still have yet to receive a proper validation supplied to me. 

I am not sure who the debt collector actually is, I receive some correspondence that have Second Round Up & some correspondence come from Third Round Limited Partnership. ( Which is it? ) I have mailed in a debt validation letter to Comenity Capital/PRDSGN on several occasions, as well as the debt collector. I have requested the following information as FCRA allows : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The signed Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number.

I have also mailed a letter to the State of Michigan XXXX Judicial Court. 

I have requested the mentioned information on numerous occasions & I can not get a valid response. In addition, on XX/XX/XXXX I mailed XXXX XXXX XXXX, XXXX a letter requesting the same information. No such luck getting an answer to any of the 5 pieces of requested information. All I have received is photo copies of their " exhibits '' which is not providing me with any of the information that I have requested. It is just copies of what appears to be billing statements & that is it. 

I am trying my best to resolve this matter & avoid going to court. Once again, I am filing a complaint to try to get the above information requested. I am baffled that I have requested this information from Comenity Capital/XXXX, Second Round Up, Third Round up, I've requested the same information from the credit bureaus & the lawyer as well. How can NO ONE provide me with a copy of my signature on this apparent contract???
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been about 30 days now since I contacted this bureau and they still have not corrected the derogatory mark on my account. 
This is ridiculous. 
This needs to be fixed. 
These companies are taking their time on this and all I want to do is move on from it.
Product: Bank account or service

Applied for a Citibank Citigold account with promo code XXXX ( XXXX XXXX bonus miles ). Confirmed with multiple reps that I was targeted and eligible. Finished all the requirements and was told that they can not honor because I was not targeted.
Product: Debt collection

I have medical insurance, XXXX XXXX XXXX XXXX XXXX Illinois, there is an unpaid amount of U {$1500.00} because the bill was never submitted to them. I already tried several times to call the XXXX XXXX XXXX XXXX TEXAS, but they do not take proper measurements to receive the bill from the Medical Insurance instead they sent the bill to a Collection Agency. I and the Insurance already gave the policy number and ID number so the bill can be paid.The Collection Agency was already notified too.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXXXXXX XXXX XXXX XXXX  # 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

This credit card was through a company called Milestone. First off this company is the worse. I could only use this credit card online at XXXX. I could not use this credit card to pay monthly bills or get gas at a gas station. I was denied every time. Second off the customer service is terrible and I did not know this company was in the XXXX. This card was extremely high but I needed it at the time because I wanted to build my credit. I had a XXXX credit limit with XXXX deducted from that amount due to activation.I had to pay XXXX back for even getting this card which made the limit lower upon use. Third of all I ended up using the card because it was XXXX time so I just used it a XXXX considering everywhere else wouldnt accept it. My first XXXX payment was due XX/XX/2024 I paid that on XX/XX/2024 early. I received confirmation that it was paid. My balance didnt reflect that it was paid when I made another XXXX payment on XX/XX/2024 early again. This is where the problem came in. I noticed my first payment the balance didnt decrease but increased and a late fee was applied. Today is XX/XX/2024 and I reached out to see what the problem was. The representative couldnt explain to me why my balance was increasing instead of decreasing so he transferred me to a manager. The manager then proceeds to tell me the first XXXX payment didnt go through which I have proof it did and that the second one didnt go through either. The second payment true enough didnt come out my account but the first one did and was never returned but did I get credit on my current balance. I then say what do you mean it didnt go through!! He then said well the bank you are using we dont accept. I said what do you mean you dont accept this a is checking account that had my name on it and the funds are available to be paid. He then says well we dont accept this bank. I then said sir I have tried to make 2 payments early on my credit card and now you wan na say that the company Dont accept this bank. This is the only checking account I have which is through XXXX. I received my direct deposit in this account pay many bills from this account so what is this issue with this company. Not only is it impossible to pay them back but this card doesnt work for anything. Just scamming people like me with bad credit and making my credit worst because its impossible to pay off my balance. They have charged me with lates fees and Im so livid because I wasnt late I was early with my payment. Please stay away from this company This is a horrible company and it should be shut down or arrangements should be made for customers to be able to pay off the balance.
Product: Debt collection

An unauthorized collection entry has appeared on my credit file without prior notification, raising serious concerns about the debt 's accuracy. Under the Fair Debt Collection Practices Act, I formally demand complete validation of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, Synchrony bank (XX/XX/XXXX) Interest charges me two times with very large amount, which I do not understand ; on XX/XX/XXXX {$2800.00} and XX/XX/XXXX {$1100.00}.

I called and asked yesterday, what are these charges for. Sadly, it was misleading promotional charges they added to my credit card.

I was on unemployment benefit last year XX/XX/XXXX- XX/XX/XXXX. 
Please help!
Product: Mortgage

Hello CFPB, I am desperately reaching out due to some confusion in my home refinance with Rocket Mortgage. I recently closed my refinance only to discover my monthly payment has almost doubled. Called immediately to contest monthly payment. I was told my existing monthly payment of {$440.00} would only increase to {$480.00} to get a better interest rate and have money to possibly build garage in future. Perfect. Dont have exact dates of these transactions due to my constant waiting for hard copies of my full contract, but was in beginning XXXX. Unfortunately, payment is now $ 770ish. Yes, I am naive and very much dumb for not checking the numbers before signing final paper. Took Loan Persons word, and thats not what I received. I understand escrow, now, and understand the cushion for insurance, but I was assured {$480.00} was my monthly payment from now on. I only had {$45000.00} left to pay and a very comfortable payment. All I wanted to do was take advantage of lower interest rate, keep payment as low as possible. Now I have unknown excessive fees and a bunch of debt. I will lose my house if something cant be done. Thank you for your time. Get back to me as soon as you can. I am very afraid of losing all Ive worked for
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX Inquiry Date XX/XX/year>XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX XXXX Inquiry Date XX/XX/year>XXXX XXXX XXXX  Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXXXXXX XXXX XXXX Inquiry Date XX/XX/year>XXXX XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX XXXX Inquiry XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete these inquiries from my credit report as they were done without my consent. I have included the Identity theft report. 

XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Checking or savings account

My accounts both savings and checking were frozen by Navy Federal due to a garnishment filed by XXXX XXXX XXXX, XXXX. The garnishment itself is originally dated XX/XX/XXXX. The funds frozen are in the amount of {$370.00}. These funds are from my monthly Social Security payment direct deposit. My issue is the funds should be protected legally from garnishment and the actual garnishment judgement is XXXX XXXX XXXX. In addition information I received from XXXX XXXX XXXX indicated that it involves money allegedly owed to XXXX XXXX Bank and XXXX, both organizations that Ive never had a financial relationship with. From the beginning date of the judgment I was employed at several companies until my full retirement in XXXX more than ample time for this issue to be brought to my attention as I did not receive any notification of this action until XX/XX/XXXX, leaving me unable to pay critical monthly expenses necessary for my survival.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a comprehensive analysis of my credit report. I have 4 accounts with late payments that are negatively affecting my credit worthiness and are also in violation of the FCRA.

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate all 4 consumer credit transaction negatively impacting my credit report. They should all be removed from my consumer report pursuant to USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.
Product: Checking or savings account

They would consistently report the wrong balance and then I would be charged overdraft fees.
Product: Checking or savings account

Applied for a checking account online. Went into branch in XXXX, Ma with all required information. Was told by XXXX at the branch the account was opened and pending. Three days later he said it was frozen. Asked why. Never received a reason as to why. Called the corporate office and got no response. XXXX, the branch manager, would not provide a reason. She even refused to tell me who the regional manager was for TD bank.
Product: Debt or credit management

I was paying this company over a year for credit repair and there was no results
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off XXXX I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. 
I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness. 
2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance. 
XXXX. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information.

4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights.

5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information. 
Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights. 
Thank you for your immediate attention to this matter, and I look forward to your prompt response and resolution.
Product: Credit card or prepaid card

XX/XX/19 I applied for a business credit card. I was declined, when I called in to ask why, I was told that they do not accept applicants that do not currently do banking business with them. They do not advertise this in the application process. We never had a chance of being approved, yet they allowed us to proceed with the application and take a hard hit on our credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX XXXXXXXX - XX/XX/XXXX, XXXX XXXX  XXXX XXXXThese above listed accounts are not familiar to me these items should not be reported on my account
Product: Student loan

To whom it may concern : In 2018 I applied for and XXXX, I sent in my application as well as my proof of income which at the time was all I was told to send in. Nelnet stated that I was missing information ( one or more items missing ). They stated that they tried to send me the items that was missing in the mail and when I asked what address they sent it to, their reply was that they did not have my address on file ( if I turned in an application, I would think that my address would be listed on my application ) which is a contradiction because later on in their letter they miraculously found my address of which they claim they were sending bills out to my address, but it was only after I sent this to the CFPB that they so call found my address. They stated that they were sending me emails and calling a number that I did not have. Any time I get a new number or new address I know it is protocol to call and update my information which is something I have always done so I don't understand why they are saying they didn't have any of my updated information! 
This is all just a misunderstanding and they are punishing me for their mistake! This is not fair because this has caused me hardship and damage to my credit report! I have attached a copy of the letter where they are contradicting themselves. I would like for these late payments to be removed within the next 30 days or I will have my consumer lawyer get involved with the matter and sue for damaged to each of my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I received a gift card with a balance of {$100.00} and I verified the balance as soon as I got it, once I tried to use it it was declined, when I check the balance online it said it was used online for the entire amount. I opened a dispute on XX/XX/22 and sent the dispute package on XX/XX/22, via fax and at least 10 more times via email, however after calling several times to inquiry about the status, they are stating they are still waiting for the documents and closed my case. I called several times and spoke with numerous os representatives overseas that hung up on me or said I have to wait 14 more days.

This people are stealing the money and they are not doing anything to recover the funds.

I spent over 2-3 hours on the phone every time I call for nothing. They stated I cant talk directly with the dispute department neither with a supervisor. 
Please, is there any way I can recover the funds? This company has the visa logo and they are not doing anything to stop fraudsters or to recover the funds for the real clients.
Product: Money transfer, virtual currency, or money service

XX/XX/2023, I used XXXX XXXX to receive payment for service rendered to a customer. Upon successfully charging customer 's card using XXXX XXXX, XXXX locked my ability to withdraw funds as they used to randomly, and requested I verify some information with them. Upon verifying the requested information, they went ahed to terminate my account, and threatened to hold my funds for XXXX which in return would cause unspeakable setback, hunger and possible eviction. I intend using the said funds to add up with the cash on me to pay my rent that same day I completed the services and got paid, but XXXX ruined it all and still refuse to let me access to my funds. Even though, ever since I started using their services for processing card payments, there has never ben a chargeback or dispute.
Product: Credit reporting or other personal consumer reports

afternoon i have been a identity theft victim for almost a year now i have sent you guys police report after police report and the accounts are still on my Experian report you guys removed them for a day and did reinserted them back on there i still dont know why when its FRAUD can uou guys please remove this fraud as its costing me XXXX in fees
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Todays XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME US BANKRUPTCY CT GA XXXX REF # XXXX IAM ASKING FOR THIS BANKRUPTCY TO BE REMOVED NOW ITS OFFICAL REMOVAL DATE IS XX/XX/year> THIS XXXX XXXX  BANKRUPTCY THAT SHALL BE REMOVED FROM MY CONSUMER REPORTS IN A MONTH FROM NOW I ASK AS A FEDERALLY PROTECTED CONSUMER FOR THIS ACCOUNT TO BE REMOVED NOW SO I CAN GET A HEAD START AT REBUILDING MY LIFE BACK. THERE IS THE HOLIDAYS COMING AND WINTER AND I HAVE NO WHERE TO LIVE THIS IS HOLDING ME BACK FROM GETTING A PLACE FOR ME AND MY KIDS THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 )