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

My account with TRANSUNION 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.

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!

Delete the late payments from my consumer reports
Product: Student loan

I am writing about the experience that Ive had with SoFi XXXX. Originally I refinanced my loan for a lower rate with SoFi in XXXX. In the beginning, I dont recall having many issues with SoFi accepting my payments online or over the phone. As a younger adult, I had issues such as overdraft fees, etc. however, this never heavily impacted the ease that I had successfully submitting student loan payments. Most requests would post in reflect in my bank account within the standard 2 to 3 day ACH window however, since XX/XX/XXXX, SoFi has not accepted any of my payment request. I had submitted payments online multiple times, and none of them were ever debited from my bank account. For example, so alleges that I made a payment on XX/XX/XXXX and theres no corresponding transaction reflected on my bank statement. Please see the attachment for a supporting image. Determined to resolve the situation, I reached out to SoFi last week about the status of my loan on XX/XX/XXXX, XXXX on that day, I had submitted a payment over the phone and I was told multiple reasons why my previous payments had not been processed. Some said that it was rejected by my bank and they did not know why. Another representative claimed that it hadnt gone through because a routing number was off. One told me that it was returned for insufficient funds. On a couple of occasions, I was asked who my employer was. It was uncomfortable, and when I inquired as to why that is important, and whether they would be notifying my employer, they mentioned it was out of curiosity, and that they were not going to call my employer. on XX/XX/XXXX a representative mentioned that there are people behind the process. That is when I asked for an explanation for why the payment Id submitted on XX/XX/XXXX did not go through. That representative even went so far is to promise me a call back, which has not happened yet. Based on the sequence of events, I am concerned about the possibility that I am experiencing the effects of predatory lending practices. I am a minority woman, a target demographic. I fear that Im being taken advantage of and Im submitting this claim is a cry for help so that I can continue to grow more financially stable and pay off my loan without any unnecessary hindrances moving forward. Thank you for your consideration. Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 consum
er 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I contacted XX/XX/XXXX to remove inaccurate names on my credit report
Product: Debt collection

AFNI rep XXXX stated that once I made a payment over the phone with a XXXX or XXXX that AFNI would send me a letter stating that my account with XXXX  would be removed from my credit report. He stated the letter would have the AFNI company logo and letter head. This conversation took place on Wednesday, XXXX XXXX at XXXX EST. 

The AFNI website clearly states that after I pay my debt, the account will not be removed from my credit report. This can be found at the following URL https : //www.afnicollections.comXXXX He then continued to insist that I give him a credit card to " start the process ''.
Product: Credit reporting

I dispute XXXX XXXX XXXX is from a XXXX account that was paid in full. I cancelled this policy and went with XXXX XXXX I do not owe XXXX any money
Product: Vehicle loan or lease

Applied for financing to capital one and after them receiving my social security number and signature I did not receive any benefit.
Product: Credit card

After reviewing my recent credit report from XXXX, XXXX, and Transunion I noticed the delinquent accounts that did not belong to me XXXX XXXX XXXX {$980.00} CREDIT CARD OPENED XX/XX/2021 STATUS CLOSED. After reaching out XXXX letter I was meant with push back. They said debt was verified but never sent paper work or proof indicating that it was my debt. They have violated my privacy and confidentiality of my records and information by furnishing to a nonaffiliated party without my consent or given the financial pursuant 15 USC 6602 ( 8 )
Product: Debt collection

The company name PHOENIX FINANCIAL SERVICE is trying to collect a debt from a person who is not me. They have consistently reported it on my credit report since XXXX. I have disputed this several times and the debt has been removed from my record, but it keeps showing up again. I have explained multiple times that I am not XXXX XXXX, but they are still pushing the debt on my credit report.
Product: Mortgage

On XX/XX/2015, my wife and I had a new loan set-up for our mortgage in the amount of {$460000.00}. Prior to our closing date and loan agreement, XXXX XXXX XXXX, our loan officer and his supervisor, XXXX, called us to meet at the bank. The four of us met at their conference room and they both explained to us that they ( Wells Fargo ) had made a mistake. Our loan had passed underwriting but since our loan was a FULL V/A loan the maximum allowed loan at the time was {$410000.00}. We were given three options, one : re-do the loan with the correct amounts, two : go to another bank to finance the loan and they would help us ensure the loan was approved or three : keep the loan as is and the WellsFargo would pay the difference for their mistake. We chose option three.  They further explained that we had to open up an account with them, Wells Fargo, so that the loan could be originated before they could pay any monies to the account and the difference would be paid in two payments. The difference from {$460000.00} to {$410000.00} ( max VA allowable loan ) is {$44000.00}. On XX/XX/2015 we opened up an account with Wells Fargo per their request and our new loan was set up in the amount of {$460000.00}. On XX/XX/2015 WellsFargo made a principal payment to our account in the amount of {$23000.00} leaving their balance at {$20000.00}. Instead of correcting the loan amount and setting it at {$410000.00}, Wells Fargo set us up for failure from the beginning and set the loan amount at {$460000.00}. We request the remaining balance of {$20000.00} Wells Fargo promised to pay be paid in full to our account immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has false, unverified missed payments on my credit report that's dated XX/XX/2018 AND XX/XX/2018 that I am unaware of. I am requesting accuracy of these missed payments, and contract agreement, exc of this account that is due to me under the fair credit act, as I am entitled to me as an consumer. Please provide me with this information 15 days of receiving this complaint or delete this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$7800.00} XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Experian is reported a negative collection account on my credit report. Experian is the only credit bureau reporting this account on my report. According to the fair issac all three credit bureaus have to have accurate reporting on all three of my credit reports. This is a violation and this negative account needs to be Deleted.
Product: Checking or savings account

I have a tax refund that I received from the IRS on XX/XX/year> for the amount of {$27000.00}. I move the some money around and paid bills and debts owed from previous bills and SOFI restricted my bank account, not allowing deposits or withdrawals or any atm, or debit card transactions. I called them on XX/XX/year> and they gave me no timeframe of when I can use my remaining funds of {$15000.00}. I call 3 times a weeks since XX/XX/year> and I was still given no timeframe of when I can use my funds. My identity has been fully verified and there is no reason for this.
Product: Credit card

Summary : I signed up for a XXXX credit card issued by the Barclays Bank Delaware. As a new customer, I was supposed to receive a reward of XXXX miles for opening the account after meeting certain conditions ( see below for details ). The bank did not credit me these miles. I reviewed the terms and conditions, and I fulfilled all the requirements for getting the bonus of XXXX miles. I called the bank and spoke to several representatives ( XXXX, XXXX XXXX, as well as her supervisor ). I read them the terms and conditions, but their unanimous response was " this is not how we do it ''. 

Details : The terms and conditions of the XXXX credit card ( issued by Barclays Bank Delaware ) state : '' Premier World XXXX MasterCard cardmembers will receive XXXX bonus miles upon the first use of your new Account for a purchase and after the annual fee ( if applicable ) has been paid. All Welcome Award miles will be credited to your XXXX account at the close of the XXXX billing statement in which the purchase has posted and after the annual fee ( if applicable ) has been paid. The annual fee is considered paid when the cardmember makes payments greater than or equal to the disclosed annual fee. Welcome Award miles are available to new cardmembers only '' I opened the account on XXXX/XXXX/2015. I am a new cardmember, and I had never been a cardmember before. The close of the XXXX billing statement was on XXXX/XXXX/2015. Between XXXX and XXXX, I made several purchases. I also made payments in the total amount of several XXXX dollars. Hence, I made payments greater then the annual fee ; hence, the annual fee is considered paid as per the terms and conditions. 

Since I met all the conditions outlined in the terms and conditions, the XXXX bonus miles for opening the account should have been credited on XXXX. The supervisor I talked to confirmed that I had both made the required purchase and had made payments in the amount of several XXXX dollars, which is greater than the annual fee. However, they claimed they would n't credit me the XXXX miles until the annual fee posts some time in the future. This requirement is not contained anywhere in the terms and conditions. It is frustrating to me that a bank representative tells me directly that they do not follow their own terms and conditions. I am relying on these bonus miles to book a flight and would like them credited immediately. 

To avoid misunderstandings : I received a reward of XXXX miles for spending {$5000.00} on purchases. This reward was credited correctly. It is not the reward I am talking about ( I am talking about the reward of XXXX miles for opening the account which is independent of the XXXX miles bonus for spending {$5000.00} ). 

Both the representative that I first spoke to ( XXXX, ID XXXX ) and her supervisor were not understanding of this frustrating situation, were not willing to resolve it, and did not treat me with respect. The bank should abide to what is stated in the terms and condition at the time of opening the account. Failure to do so is deceptive towards the consumer, something the government should take seriously.
Product: Vehicle loan or lease

Payment was paid but was put on the credit bureau. Tried to trade automobile because of lowering interest rate but volkswagen put a credit report which made my credit report fall from good to bad. not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was opened under an open end credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Furthermore, this company did not have my written instructions to furnish this charge-off account on my consumer report. This account contains a finance charge, which is the sum of ALL charges. This account was paid in full when the company required my credit card ( social security card ) to open/fund this account in its entirety. This account should not contain any late payments, charge-off status, or collections. Moreover, there is no balance on this account and the status must be updated to paid as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and partners of Edward F. Bukaty III collection firm are currently reporting a collection balance of {XXXX} that was settled in full with the collection office of Edward F. Bukaty III for the amount of {XXXX} How ever ive spoken to representatives at both companies and ea. company is playing the blame game on one another... This type of unfair activity by creditors and collection companies should be recognized by agencies like your selves should be seen as CRIMINAL .... Not only is this FALSE balance reporting hurting my credit but to add injury to insult they also decided to hit my credit report with a most recent LATE PAYMENT when i honored their settlement to pay before XXXX XXXX See all Exhibits ( XXXX ). This false reporting has been an on going problem sense this collection has been PAID... This matter is ruining my XXXX and XXXX  scores ... Each time ive spoken with a representative at XXXX XXXX ive been told i need to dispute this matter or contact the collection company. Please see Exhibits as proof that this matter should not only be corrected but DELETED IMMEDIATELY.
Product: Mortgage

This is my second request for help. My mortgage payments were not posted on the correct day. I never spoke to anyone at Bank of America about my problem. I received in the mail a letter about the processing time for night drop that I was not satisfied with.
Product: Debt collection

The Califonia Business bureau has committed various deceptive and egregious acts to attempt to extort me into paying this debt. Firstly they have listed it on my credit report as several collections instead of one to attempt to ruin my credit. Secondly they have never provided any signed document, a copy of my id at the date of service or any such agreement saying that I would pay this debt. Thirdly when I called them to try to resolve the collection without going to court they asked for my " social security number to look up my account '' Once I gave it to them innocently the collection agent on the phone said we will never take this off your credit report and said now we have your social security number so you cant get out of this. It has been a terrible experience and this is my final step before pursuing legal action.
Product: Vehicle loan or lease

When I got the vehicle the monthly payment amount wasn't discussed because if they would of said {$790.00} a month I wouldn't of got it and now I can't pay the whole monthly amount so I talked to one of their agents and we set it up for XXXX a month so I've been making the payment but they failed to tell me that since I haven't been paying the whole amount every month my credit score gas been getting hit and now that I'm so far behind if I do miss a payment they can take my truck without saying anything to me and I can't get it refinanced because they said I have to be caught up on my balance which is {$6600.00} knowing that I wouldn't be able to do that it's crazy. And my truck was only {$23000.00} at the dealership and after it was all said and done they are saying I owed {$54000.00} that's more than double of the truck and this truck isn't even worth that much brand new how can they do this to people and get away with it
Product: Checking or savings account

My name is XXXX XXXX XXXX XXXX, address : XXXX XXXX XXXX, XXXX, AL XXXX tel. No. XXXX I have CDs, joint account, with XXXX bank located at XXXX bank, XXXX XXXX XXXX, NY XXXX, this is my second complaint against XXXX XXXX bank, I am a non white XXXX citizen, over XXXX XXXX XXXX. 
XXXX bank is illegally, based on the XXXX of my skin, deducting interest calling as backup holding. 
I am informing under Oath and under penalties for perjury that I am NOT subject to either Federal backup with holding or state of Alabama with XXXX. 
Based on the above, XXXX bank must immediately add all the amounts, illegally with held, to my CD accounts.
Product: Credit reporting or other personal consumer reports

On XXXX, there was an email notification to me saying there was a hard inquiry on my credit report that I did not authorize or do. Called XXXX  about it and they explained that it was through Chase Bank. I explained to them that I did not authorize that or inquired about anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent documents necessary to have all accounts and inquires listed removed. Please provide documented proof of alleged indebtedness or proof I made the inquiries or remove and block these accounts immediately.
Product: Credit reporting or other personal consumer reports

I am submitting my identity theft report regarding fraudulent accounts that are still appearing on my credit report. I have already informed Equifax about the fraudulent nature of these accounts.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Debt collection

XXXX XXXX, XXXX To Whom It May Concern : I am filing this complaint against Simon Agency attempting to collect on behalf of XXXX XXXX XXXX, using abusive tactics in soliciting an invalid debt for medical services billed incorrectly to my insurance. The claim was billed under an incorrect XXXX code in an effort to seek higher reimbursement. As a result, instead of a XXXX ( which would have been reimbursed without liability to the policy holder ), the claim was processed as a diagnostic procedure, which resulted in deductible and co-insurance liability to me ( the patient ). 
Also, Simon Agency collected money from me, claiming that I have unpaid co-payments for claims that were paid in full, and for which I have receipts. I disputed the abusive entries in my credit report, which lowered my credit score by at least XXXX points. My dispute letters were rejected and returned unopened to my residence. The abusive calls continued. Due to unbearable stress of watching Simon Agency destroy my credit, I offered to pay the alleged debt, with the condition that it is removed from my credit report. They refused my offer and continued with their abusive practices. 
They demanded payment on fees that were previously paid to XXXX XXXX XXXX, and for which I have printed receipts. Since this medical claim dates XX/XX/XXXX, XXXX is unable to retrieve claims older than 18 months ; it is very hard for me to retrieve the records. However, I was able to obtain the XXXX codes billed by XXXX XXXX XXXX to XXXX and was able to verify the XXXX codes against the XXXX XX/XX/XXXX-XX/XX/XXXX reimbursement rate table at : XXXX This clearly demonstrates that the service billed was incorrect, which resulted in liability to me. 
I am therefore reporting : Simon Agency for abusive, illegal collection practices for unverified debts XXXX for fraudulent insurance billing My last attempt to resolve this with Simon Agency and with XXXX XXXX XXXX was today, unfortunately unsuccessful. I am currently filing an appeal and working with XXXX in retrieving the records in question. However, I wonder how would the damage done to my credit report be corrected? 
Your prompt attention at this matter is greatly appreciated. 

Sincerely yours, XXXX XXXX