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

My accounts 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/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.

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

n accordance with the Fair Credit Reporting act XXXX  Account Name U.S DEPARTMENT OF EDUCATION Account # XXXX, has violated my rights. 

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
Product: Vehicle loan or lease

on XX/XX/XXXX my car company us auto sales went bankrupt and was told my loan was being transfer over to west lake portfolio mangement. my vehicle broke down due to transmission failing and called west lake to correct the problem since us auto sales say my loan was transferred. west lake agreed to put a request in because i was spending over XXXX XXXX to get my car fixed and west lake was not honoring the service agreement even t. on XX/XX/XXXX my vehicle was repo and i was told my payments were behind on the vehicle. i told west lake that i had to get my vehicle service since they did not honnor the service agreement with us auto sales. then west lake also said that i haven't paid on the car since i had for 2 years which is a lie and have payments to prove it. then they are charging me full price for my vehicle when i first got the vehicle 2 years ago in XX/XX/XXXX. they were telling me my whole loan started over but i never agreed to any loan starting over and did not get any phone call from us auto or west lake. and it still show that us auto is still the lein owner of my vehicle not west lake and they are not explaining any details from us auto sales contract.
Product: Debt collection

XX/XX/XXXX with speedycash. {$300.00} is the amount taken out and this was not me. I have had this happen multiple times with these payday loan companies, and none of what was taken out was done by me! Please help me fix this, I have no idea where to start or who to contact. It is affecting my credit report!
Product: Debt collection

HUNT AND HENRIQUES HAS FURNISHED 2 LIENS ON MY PROPERTY FOR THE DEBT THAT WAS DISCHARGED IN BK AND NOW REFUSING TO REMOVE IT OR TO ISSUE LIEN RELEASE CONFIRMATION ... I ATTEMPTED TO CONTACT THEM SEVERAL TIMES BUT ALL MY EFFORTS WERE IGNORED BY HUNT AND HENRIQUES AND BY DEPARTMENT STORES XXXX XXXX PLEASE HELP
Product: Money transfer, virtual currency, or money service

MONEYGRAM ANF THEIR CLASS ADM INISTRATOR FAILED TO HONOR MY REMMISSION CLAIMS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was paid several months ago. This still shows delinquent on credit and not paid. Ive contacted company several times and reached out to main office. I want this corrected and removed from my account. The accounts are showing recent and they are not.
Product: Credit reporting or other personal consumer reports

am writing to bring to your attention a matter concerning a fraudulent automotive inquiry associated with my name. Upon reviewing my credit report dated XX/XX/year>, I noticed an inquiry from your institution regarding an automotive transaction that I did not initiate nor authorize. 

This unauthorized inquiry has potentially negative implications on my credit profile, and as such, I kindly request that you remove it promptly from your records. 

Please note that under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. Additionally, the Fair and Accurate Credit Transactions Act ( FACTA ) mandates that consumers be protected from identity theft and fraudulent activities related to their credit information.

I trust that you will handle this matter with the urgency and attention it deserves. Your cooperation in promptly rectifying this issue will be greatly appreciated. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of the fraudulent inquiry from my credit report.
Product: Debt collection

Around XXXX 2015, entered into the XXXX credit hardship program for a length of 12 months. During the phone call with the collector, they stated my debt would be settled after 12 months of on time payments of {$14.00} a month. I specifically asked them if the debt would be discharged after 12 months and they responded in the affirmative. On XXXX of this year, after making all the agreed payments, I called them about why the debt had not been discharged, and they stated I had misunderstood what the agent had said about my debt being discharged and it was a common problem of people in the hardship program. I stated I had the original contract sent to me by them as well as a transcript of the agent telling me they would discharge my debt. After putting me on hold they stated they would review the original call from XXXX of 2015 and get back to me in 5 business days with there decision. I asked if they would discharge the debt as agreed upon and they stated they would not, they would do only what they could as outlined in the paper agreement, not what was verbally agreed upon. I stated I wanted to settle this matter now and I would pay the remaining balance on the statement, barring the removal of the late fee 's they had charged me. I did not want to go to court over such a small amount and they made it sound like this would be something they would go to court over as it was a 'common mistake made by there customers over the hardship program '
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX WAS GIVEN AN OFFICIAL UNSWORN DECLARATION NOTICE ON XX/XX/ TO REMOVE ACCOUNTS FROM HIS CREDIT REPORT BY INTEREST OF XXXX BEING A " FINANCIAL INSTITUTION '' AND DID NOT RECIEVE AUTHORIZATION FROM THE CONSUMER TO DISCLOSE THE ACCOUNTS HEREIN AND FAILED TO PRODUCE ANY WRITTEN OR ELECTRONICALLY FILED DOCUMENTS FROM WHICH THE CONSUMER AUTHORIZED XXXX TO DO SO. 

XXXX XXXX .account XXXXXXXX XXXX XXXX .account XXXX XXXX XXXX.account XXXX XXXXXXXX XXXXaccount XXXXXXXX XXXX XXXX.account no. XXXX XXXX XXXX no. XXXX XXXX XXXX XXXX.account XXXX & account XXXXXXXX XXXX XXXX  .account no. XXXX XXXX XXXXaccount XXXX & account no. XXXX XXXX XXXX XXXX XXXX WAS GIVEN 7-10 BUSINESS DAYS TO REMOVE SUCH UNAUTHORIZED REPORTS AND DID NOT DO SUCH WITHIN THE 30 DAY EXHAUSTMENT PERIOD. 


EXPERIAN WAS GIVEN AN OFFICIAL UNSWORN DECLARATION NOTICE ON XX/XX/2023 TO REMOVE ACCOUNTS FROM HIS CREDIT REPORT BY INTEREST OF EXPERIAN BEING A " FINANCIAL INSTITUTION '' AND DID NOT RECIEVE AUTHORIZATION FROM THE CONSUMER TO DISCLOSE THE ACCOUNTS HEREIN AND FAILED TO PRODUCE ANY WRITTEN OR ELECTRONICALLY FILED DOCUMENTS FROM WHICH THE CONSUMER AUTHORIZED EXPERIAN TO DO SO. 


XXXX XXXXaccount XXXX XXXX XXXX XXXX XXXX XXXXaccount XXXX XXXX XXXXaccount no. XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX no. XXXX XXXX XXXX XXXX XXXX XXXX no. XXXX & account no. XXXX XXXX XXXX XXXX no. XXXX EXPERIAN WAS GIVEN 7-10 BUSINESS DAYS TO REMOVE SUCH UNAUTHORIZED REPORTS AND DID NOT DO SUCH WITHIN THE 30 DAY EXHAUSTMENT PERIOD.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported information in credit report for medical debt. They report several different dates. XXXX XXXX XXXX complaint concluded that the original company responded they do not have an account with my information. The information was removed and is now reported again. Previous complaints submitted. It has been disputed and removed over XXXX times with XXXX XXXX, XXXX, and Experian. Recent dispute requested a signature to validate that this is my account. This has not yet been received. Also requested proof of account opened 2021 as that is incorrect. The company has never provided information in writing as they did not have the correct address but during a complaint process Ive of the credit bureaus provided identifying information in the dispute. This company is not abiding by fair credit rules and the credit bureaus keep allowing this information to remove then get reported again.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX late payments that in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, and I've attached a copy of my report to this this complaint on XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Payday loan, title loan, personal loan, or advance loan

I called Foundation Finance Company, on Saturday XX/XX/year> to discuss my balance of {$38000.00}. After paying {$440.00} monthly for a year on the beginning loan balance of {$37000.00} the account balance increased. I spoke with XXXX who explained that this was an installment loan and all payments go towards the accrued daily interest. I shared that I was familiar with installment loans and interest however none of the loans that I have exceeded the original loan balance when making timely monthly payments. XXXX went on to say this is how the loan is structured and that XXXX, the roofing company should have explained. I proceeded to tell her that they had not and I would not have signed if they had explained. She further said once the payment of {$400.00} is applied to the interest, I could make another payment for the monthly amount of {$440.00} and then it would go toward the principal.

I later checked the reviews for Foundation Finance and found numerous comments of bad lending habits. I'm filing this complaint in hopes that the company is investigated and removed from contractor listings and that others are aware of this predatory lender.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

I have filed multiple disputes about the same issue with my credit report for over a year now. Inquiries from various auto dealerships appeared on my credit file. These inquiries are excessive, duplicative, and were made without my explicit authorization or proper explanation. While I understand that XXXX inquiry XXXX be required for an auto loan application, it is unreasonable and harmful to my credit profile for multiple inquiries to occur within a short period. These actions are in violation of the principle of permissible purpose as outlined in the Fair Credit Reporting Act ( FCRA ). 

Below is a list of inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Federal Law under the FCRA prohibits credit reporting agencies from including inaccurate or unverifiable information on consumer credit reports. Based on my records and communications with the creditor, I believe these late payments are either : 1. Inaccurately reported : I made payments on time, as evidenced by payment confirmations and bank statements.

2. Unveriable : The creditor is unable to provide sufficient proof of the alleged late payments. 

Accounts showing Late Payment History : XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account NUmber XXXX  # #
Product: Mortgage

I am a first time home buyer and purchased my home this XXXX 2015. My loan was sold to NationStar Mortgage and they have completely screwed up my escrow account. My taxes are set up to be paid on a semi-annual bases. As part of my settlement fees my first installment of taxes was paid in XXXX. The next installment was not supposed to be paid until XXXX. I log into my NationStar account and see that my monthly payment is now over {$250.00} more. Of course I am confused as to why. I check my escrow statement and am mortified to see that NationStar paid the annual tax amount and now they say I have over a {$3000.00} shortage. This is only the beginning of the damage! I call the XXXX and they said yes we did receive another payment in XXXX but it was only for the remainder of your taxes not the full amount and it was from somewhere called XXXX. I call NationaStar and they say they do n't know who XXXX is and that they need to call XXXX XXXX to see where the check for the full amount of my taxes is. XXXX XXXX says that they did not receive that check. So now NationStar is researching to find out where the check is! Oh and on top of the XXXX is a subsidiary of NationStar and the customer service rep did not even know that! The horrible part is I have no idea where the money came from that was sent from XXXX because it did not come out of my escrow account! Now NationStar has advised me that it can take up to 10-15 business days to resolve this so I have to pay the higher mortgage amount for XXXX. I am a single income household and only have been a home owner for 4 months and I ca n't believe I am going through this. I would have had my tax money in my escrow account for the XXXX payment! Please help me resolve this matter quickly before my finances are screwed!
Product: Credit card or prepaid card

XXXX XX/XX/XXXX Capital One Financial Corp Re : Fraudulent XXXX Charges XX/XX/XXXX Capital One employee XXXX ID XXXX did her best to assist me today in rectifying this situation but was unable to do so. I am reaching out to you with the facts to get help. 

1. I requested a replacement card online because mine was misplaced. 
2. On XX/XX/XXXX I received a text asking if I was at that moment charging items on my Venture One card at XXXX XXXX & I replied NO. 
3. I then called customer service & told them I had NOT received the replacement card that was being used and I NEVER shop at XXXX. 

4. I was told they would investigate the charges and I asked if the charges were done at a local XXXX because I was concerned that the missing card had been removed from my mailbox. They responded that Fraud investigation would get that information. They also said they would send a replacement card. 

6. I then received a replacement card which surprisingly was ALREADY ACTIVATED and required no security call at all. 
7. I now have received a letter from Customer Fraud Protection saying that there are no indications of fraud because the person had the card. Obviously the person using the card stole it from my mailbox or it never even got into the mail. Please investigate further - I am NOT responsible for these charges which have now been put on my replacement card. 

There is serious fraud in this instance and I am upset and also angry on how this situation has unfolded. I have been a customer for a long time and am highly disappointed in how this is being handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a XXXX verification request from Experian for some reason they will not remove account that has Been removed from other credit bureau such as XXXX and XXXX XXXX but for some reason Experian has not updated there and as far as a XXXX account On my credit report I submitted documents from XXXX as well as myself proving that the account is inaccurate and they still have not modified my report
Product: Debt collection

I have a complaint against XXXX XXXX and AAFES. I am in receipt of a statement dated XXXX XX/XX/XXXX ( attached ) which indicates an account balance of {$5300.00}. I called the number for AAFES collections on the statement to make payment arrangements. There was no option in the automated call system to speak to a representative at AAFES. The system told me to call a different number which I did. At that point I was connected to XXXX XXXX. The representative told me they have had the account since XX/XX/XXXX. Further I was told the balance I owed was over {$6300.00} due to a 'collection fee '. 

-I received NO notification of transfer of my account from AAFES to a third party or of any punitive fees being assessed since XX/XX/XXXX -Payments have been made to AAFES through out XXXX -There is no disclosure or itemization of any fee on the statement ( see attached ) -This is a PREDATORY debt collection activity.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / Department of education XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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: Mortgage

When I first applied for assistance, after my COVID forbearance had ended I was not in foreclosure. I sent my documents in on XX/XX/XXXX. 
I resent the documents directly to my relationship manager on XX/XX/XXXX. He was very helpful and emailed me right back confirming receiving the docs on XX/XX/XXXX. ( see attached email record ) I called in to see if my package was complete and I was told to send in additional documents, which I did on XX/XX/XXXX ( see attached email record ) After submitting the corrected XXXX XXXX XXXX additional Bank statements, and my Tax Return extensions on XX/XX/XXXX, I called in and was told that I needed to send the same documents in again. On XX/XX/XXXX I did AGAIN and included an explanation, to help with any confusion. ( see attached email record ) Again, I called in, again I was asked for additional documents, that I had already submitted, so again on XX/XX/XXXX I sent them in. ( see attached email record ) When I called in again to check on the status, I was told that the SAME documents are missing, but that now my loan was in foreclosure. 
I am now resubmitting the package and the missing documents AGAIN, which I was told to do before a sale date was scheduled. ( see attached email record ) I am worried that I will continue to go back and forth with the same documents requested and the same sent in over and over until there will be a sale date and I will not be able to save my home. 

To complicate and delay things further, the hours listed on the application are not the correct hours that they are open, see attached. They are open until XXXX, but on correspondence, it says XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX Account # XXXX, has violated my rights. 

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
Product: Mortgage

OCWEN Loan Servicing, LLC states that they are in the business of helping homeowners as they claim on their website 'Helping Homeowners is what we do! '. Frankly, They are in the business of screwing homeowners like myself and denying me any opportunity for a loan modification.
I request a loan modification from OCWEN, h  owever, they have wrongfully denied my request every time, including the most recent denial letter dated  XXXX   XXXX ,   XXXX   from  OCWEN 'S Escalation Department. I submitted the Request for Mortgage assistance package ( RMA ) for evaluation under the HAMP Tier I and Tier II with all borrower and non-borrower 's income and expenses. OCWEN has failed to evaluate the applicatio n for mortgage assistance based on the reported income ( borrower and non-borrower ) and expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020 I sent XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX, a letter to validate the debt and ask them to have the collections account removed due to it being inaccurate. The amount of alleged debt owed is {$190.00} for XXXX XXXX. They responded with a letter on XX/XX/2020 stating that they have closed the account and will have it deleted from all the consumer credit reporting agencies. The Collections account is still being reported on my Equifax credit report. They are violating many of my rights as a consumer.
Product: Vehicle loan or lease

The car was totaled out and progressive paid the car off. And i had gap. The lean holder is still saying i owe them