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 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.

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

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/year> to the credit bureaus requesting that the XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Debt collection

XXXX  or XXXX XXXX XXXX has now called me back to back within 2 seconds of each other 2 days in a row. Both times i answered they asked for myself and the call ended. At this point i am feeling harassed and i believe this is a violation considering both times i answered my phone and they asked for myself. This is also not including the other days that they called me this week. I am going through a hardship currently and this is just adding more and more stress with the back to back calls harassing me which is adding more stress. I attached all calls that i have gotten from XXXX XXXXXXXXXXXX XXXXXXXXtoday XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL THE ACCOUNTS I LIST HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

ALL THE ACCOUNTS IN THIS MESSAGE BELOW HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The company called Eastpointe group on behalf of XXXX contacted me several times over the course of the last month. I advised them that I do not have any contracts with the company and do not wish to receive further communication on my cell phone. They have continues to call and have begun contacting my place of employment, phishing for information about me. Today, XX/XX/XXXX, they contacted my work at XXXX XXXX and advised my front desk that they are seeking to collect a debt and need information about me. I contacted them and asked them to cease contacting me on my cell and at work, and the representative stated that if i do n't give them {$300.00}, they will start taking money from my account.
Product: Mortgage

Wells Fargo issues with unethical behaviors, poor business knowledge, and refusal to refund money for services paid that they did not deliver. More details : Wells Fargo failed to acquire a mortgage in a 3 month period ( XX/XX/XXXX thru XX/XX/XXXX ), when another company was able to do so in 3 weeks ( XX/XX/XXXX ). As shown in the attached response from them, during Wells Fargo 's  attempt to acquire a mortgage they required flood insurance for a home not in a flood plain ( leads to questions of an insurance scam potential ), they routinely lost documents ( leads to questions of poor systems and identity theft problems ), they ignored timelines agreed upon by all parties most notably the purchase agreement timeline to provide proof of financing ( leads to questions of poor training and ignorance of contract knowledge ), and they pressured banks to provide information they were not authorized to do so ( leads to questions of unethical activities ). We fired Wells Fargo and requested they provide all doucments paid for and/or refund fees paid ( {$540.00} ). They were unable to provide the documents needed ( their agreement states those documents were to be provided, see attached email information ) and a second appraisal was needed for the new mortgage. They now refuse to provide any refund stating we authorized them to do the appraisal ( true ) but they did not provide the documents required for the appraisal to be used by a second company. We wish to have all money paid to Wells Fargo refunded and to alert others to their problematic services.
Product: Credit reporting or other personal consumer reports

I have requested proof with a signed agreement between myself and the creditor to validate the debt. They only send me a final statement. Also I have never received a 1099 for this debt as it has been wrote off as bad debt which I need to file taxes for the income.
Product: Mortgage

I typically pay this company ( Selene Finance ) through their website -- In XXXX I was having an issue logging in to my account -- I tried everything including an attempt to reset my password -- for whatever reason even the security questions were not coming up correctly -- I instead went to my bank and paid the account through my bank site ( XXXX XXXX XXXX ) the debit came out of my account immediately so I show receipt of the payment being made and clearing my account on XX/XX/XXXX -- here is copy paste of the transaction from my XXXX acct XX/XX/XXXX Online Payment XXXX To selene finance XX/XX/XXXX Bill payment However, SELENE FINANCE did not post my payment until XX/XX/XXXX -- I did not discover this until making my next payment on their site and seeing a " late payment fee '' applied. I immediately called them and spoke to a supervisor who I explained the issue I had on their website the month prior and that I had receipt of payment clearing my account -- she advised that she would make an adjustment -- they have not made it as of this date - I tried to contact them through email again in XXXX and I did not get a response - instead I received a letter in the mail that " draft was applied '' -- I do not know what that means but the bottom line is the {$41.00} is still showing applied on my account. -- if I go to account info it shows " past due '' - not only are all payments made prior to XXXX of the month but XXXX is already paid here is that screen shot : Mortgage XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX AC ... XXXX ( Past Due ) Next Payment Amount and Date* {$1300.00} XXXX XX/XX/XXXX Past Due Amount {$1300.00} ( 7 Days Past Due ) * The amount and date are subject to change This bank is HORRIBLE to deal with on every level - their communication is awful given the day and age we live in of electronic effective communication -- I am a mortgage professional for many many years and own and have owned multiple properties and have never dealt with any servicer like this - their lack of customer service and attitude when you try to speak to them on the phone needs attention. We had an insurance claim last year and even dealing with disbursement holds was horrific -- This was the last straw I am very responsible consumer in making payments timely and insulted by this, especially to be told it would be taken care of and not - - I would not want my customers dealt with this way - thought you should be aware Thank you
Product: Student loan

Mohela is not even processing my XXXX application. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved one so this pushes the processing time even further due to their mistake.
Product: Credit reporting or other personal consumer reports

TransUnion Credit Reporting Agency refuses to provide me with my annual credit report after requesting it multiple times within the last ( 2 ) two months. 

I have also tried calling but when the XXXX person sates were placing you on hold it says goodbye and hangs up.
Product: Student loan

I XXXX XXXX request through the Consumer Financial Protection Bureau assistance to have the collectors of a privatized student loan cease and desist making calls to me personally or my co-signer, who happens to be my uncle XXXX XXXX, who happens to be getting unlimited collection calls at his home as well. I demand under my rights with the Fair Debt Collection Practices Act that all calls cease immediately to both myself and my uncle, and that any correspondence be in written form only. I will deal with this agency in written form only, and from this point forward I am the only person that should be contacted on the collection.
Product: Credit reporting or other personal consumer reports

It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccurate in my credit report. Despite my submission, XXXX consistently responds within 24 hours the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act 15 U.S.C 1681i, which mandates a resealable investigation of disputes. As highlighted in the recent administrative proceedings ( file No. 2025-crib-0002 ) against them for similar violations. I request that the cfpb take action to ensure equitax complies with the federal law and provides consumers with the necessary proof of investigations.
Product: Debt collection

these accounts are a result of identity theft. I have no knowledge of these accounts or opening of these account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries from XXXX XXXX dated for XX/XX/XXXX and XX/XX/XXXX of XXXX  twice from XXXX XXXX XXXX  XX/XX/ these are unauthorized inquiries and I also have no account or do business with this lender please remove from my credit report these inquiries are hindering my well being and score. I would also like you to remove all names and addresses different from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX TX XXXX.I have became a victim of fraud with accounts and personal information used to get credit in my name a account XXXX XXXX XX/XX/XXXX XXXX bal {$4900.00} I have also attached the report that was made ID.gov .Please remove all incorrect info.
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.

15 U.S.C 1681 section 602. A. States I have the right to privacy.

15 U.S.C 1681 Section 004 A Section 2 : It also states a consumer reporting agancy can not furnish a account without my writion instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer roporting 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life.
Product: Debt collection

I was contacted by XXXX XXXX from First Federal Credit Control on multiple occasions, and each time we spoke I told her I was planning on paying a particular Medical bill if I owed it. I have previously been contacted by a debt collector about a medical bill I didn't owe, so I told her I wanted to look into the matter and would pay the bill I in fact owed it. There are three different medical bills from this date of service, and I was under the impression that I had paid them all. 

I have no problem paying, and I told her as much. I've merely been busy with work and what I thought was likely another harassing call from a debt collector about a bill I did not in fact owe was not high on my priority list. 

XXXX called on multiple occasions, including today, on XX/XX/XXXX, when I tried to get more information, and each time we spoke on the phone, she threatened my credit despite me clearly expressing my intent to pay the bill. 

Then, knowing full well I intended to pay the bill if it was owed, she followed through on the threat and reported bill to credit reporting agencies to damage my credit out of spite ( again knowing full well I expressed that I would pay the bill to the doctor directly instead of to her and her predatory credit agency ). 

I spoke to the doctor 's office today and initially they were confused as well, saying I didn't owe the bill, but should call the billing department. I spoke to the billing department, and found out that the bill was in fact outstanding. Consequently, I paid the bill immediately and in full to the doctor 's office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX  XXXX Balance : {$680.00}
Product: Debt collection

I noticed on my credit report that it is saying I owe money to this company. I have no idea who this company is and what I could possibly owe them. I never got a notice in the mail saying I owed them money nor have I received a phone call. I only saw this company saying I had a collection account on my credit report. I tried contacting the company by mail and I have not gotten a response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts, 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 an account without my written instructions. 

XXXX XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX/XXXX  ( XXXX )
Product: Money transfers

During a real estate transaction, our law firm, our client, and the agent were hacked and fraudulent emails & domains were created. We were sent wiring instructions from " our client '' to wire proceeds. Proceeds were wired to a XXXX XXXX account that was set up and used for this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allowed someone to change my user name and password on my account with them. They did not attempt to contact me beforehand but sent an email saying that I changed my email and password after they had already changed it. I am unable to log in to check for any fraud alerts. Im afraid that whoever did this will be able to unfreeze my credit and I have no way of knowing about it. 
This is unforgivable for a credit bureau.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I looked at my credit and noticed some inaccuracies. I sent a letter to XXXX on XX/XX/year> asking them to investigate these accounts XXXX XXXX XXXX XXXX I sent it certified mailed here is my tracking number on XXXX XXXX XXXX XXXX XXXX XXXX, they sent me their investigation and said those are verified accurate. And according to 15 USC 1681 ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified. The credit Bureau did reinvestigate and violated my right.
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 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone was suppose to handle the situation.
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 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : 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: Money transfer, virtual currency, or money service

My arvest bank account is frozen and locked up there pressing charges on the two gentlemen that committing fraud on us I posted on XXXX that I needed help with getting my kids XXXX and XXXX XXXX and he asked for my phone number so that his account offer will be sending XXXX and he will be sending more than XXXX and I was supposed to send the rest back to his partner and I have all texted and messages from both gentleman and lucky my bank cought this and is helping us press charges and my name is XXXX XXXX if you need anything from me please contact me please at XXXX
Product: Mortgage

OCWEN did not send required letter DENYING loan modifications.      XXXX  loan modification package was submitted by  XXXX  in  XXXX   XXXX  to OCWEN. Prior  XXXX  's sent in  XXXX  to OCWEN by  XXXX  my
Product: Credit reporting, credit repair services, or other personal consumer reports

An account from XXXX XXXX is still reporting on my credit report as an open and active account. I filed chapter XXXX bankruptcy XX/XX/XXXX and discharged on XX/XX/XXXX. I have disputed this with Trans Union several times and nothing has been corrected or updated.
Product: Debt collection

Milestone Mastercard Credit has contacted my father multiple times via text message and disclosed the history of the account, account debt amount, and ways to pay. Last occurred XX/XX/2023 XXXX
Product: Credit reporting

I have disputed this Bankruptcy Dismissal with Equifax many times. I have never file or attempt to file bankruptcy. I believe Equifax has reported someone else information on my credit file. Please assist me in getting this matter resolved. I am tired of informing them of this issue and they have not done anything.