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

My account with XXXX EXPERIAN 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 fo
r 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 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! 


Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that the recovering lost funds were impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I have been getting notifications that I have purchased cars, credit cards and medical bills in my name in which I havent purchased or been able to purchase due my credit being used by someone. Ive made several attempts throughout the years to seize and dispute these items on my credit but they come back verified as my mine which is not the case. I finally found the issue and that was when I was notified that my data was breached in the XXXX case. I sent over my evidence for the XXXX settlement and received my settlement, now Im trying to get my credit cleared.
Product: Checking or savings account

I set up a transfer to pull from by XXXX checking account to my People 's United Bank checking account. This was a hassle in and of itself, however, it worked - the transfer went through. 

A month later, another transaction went through for the same amount. I thought it must be a mistake, I don't recall setting this up to be recurring. So I logged into my online account and checked my " Transfers '' tab. It read " No Transfer Accounts Added. '' I checked my Bill Pay ; no recurring bill pay 's were set up. I checked every possible avenue and no scheduled payments or transfers were shown anywhere on my account. 

Despite this, today another transaction posted as pending on my XXXX account. Since I was not expecting this, it over-drafted my account. My communication with XXXX indicated it was initiated by People 's. So I called People 's and they would not stop the transaction when I requested to do so, even though it was still pending. People 's indicated that this recurring transfer was set up " internally '' and that is why it didn't show up anywhere on my account. What does that even mean? 

Anyways, since I was forced to cancel the transaction through XXXX ( People 's would not oblige ) I was charged a {$36.00} stoppage fee. This was all a nightmare and took more than an hour of my workday to resolve. It does not seem right that a recurring transfer can be ongoing with ZERO indication it exists anywhere in my online account.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX, XXXX XXXX and sent letters in reference to a debt. I have no knowledge of this debt and I do not know who they are, requested that they provide me with information about this debt. They have not. I asked that they remove it off of my credit report as it is not mine, and they can not provide me with anything info. Ive also filed a police report here is that number # XXXX.
Product: Debt collection

Upon several requests since the company received the collection from XXXX XXXX. They still have never sent me an itemized bill or allowed me to dispute the bill at all. I called in again to see why XXXX XXXX or their company wasn't replying to the arbitration request and found out that XXXX XXXX is refusing to speak to me about the account. Claiming that I need to call IC system collections agency. Yet that agency refuses to give me any details in relation to the account other than I owe them money. When requesting itemized statements, they claimed that I was supposed to request that before. Which I did, 3 separate times. They only give me a final bill with no relation to what is owed and why it's owed. The reps absolutely refuse to give any dispute options and when I requested to file disputes, they claimed I can't do it and that I needed to file the dispute 30 days after I got the notice ( which was the final bill and not the itemized statement that I had requested multiple times ). 

Reps claimed I couldn't do anything and that I needed to pay the debt. I noted CFPB regulations don't have any time limits on consumer filing disputes. But the rep claimed their company makes their own policies and that I can't file any dispute or request statements from XXXX XXXX because I should have done that before. ( again, I did it before ) and it was never sent to me. Just the final bill. 

Rep refused to get me to a manager and IC company is the recipient of the XXXX case # XXXX and they are not responding to arbitration either.
Product: Checking or savings account

I attempted to open a Platinum Checking Account with US Bank on XX/XX/2019 using the promotional code XXXX which gives {$300.00} bonus for making {$2000.00} in deposits within 60 days of account opening. The account was not able to be opened immediately due to the bank requiring further verification. After half a dozen phone calls back and forth I was able to open the account on XX/XX/2019. Even though the promotion ended on XX/XX/2019 I was assured many times over that the offer had been added to my account and I would receive the bonus if I met the terms. I made the required deposits within 60 days even though it took almost a month and several more phone calls for me to get the debit card and the information I needed to make the deposits. After the 8 week  window, I still hadn't received the bonus so I contacted US Bank to follow up on why. They said I'd met all the terms but I needed to contact my home branch to get the bonus credited. I contacted the branch manager for  XXXX on XXXX XXXX XXXX. Multiple times he told me that I'd met the terms and should get the bonus but he needed to submit the form. He never submitted the form. I followed back with him a week later and he said he'd deleted the info including my contact information. So I asked him to submit the request again which he agreed to do, but never actually did. Today he called and said I wouldn't get the bonus because it was outside the window, in direct conflict with what I'd been told by half a dozen other US bank employees including himself.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute TransUnions continued failure to provide me with access to my own credit report while simultaneously selling and disseminating inaccurate, outdated, and fraudulent information to third parties. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and consumer protection laws.

Despite my repeated requests for my legally entitled free annual credit report, TransUnion has instead sent stall letters falsely claiming an inability to verify my identity, all while continuing to profit from the sale of my credit data to creditors, lenders, and marketers. Additionally, I previously requested a security freeze on my file, yet TransUnion failed to properly enforce it, resulting in further identity theft due to your companys negligence and willful noncompliance.
Product: Credit reporting or other personal consumer reports

I called to create a dispute with the XXXX XXXX company claiming that the date they reported as the first date of delinquency in inaccurate. I specifically asked for proof of payments before XX/XX/XXXX dating all the way back through the opening of the account. 

I was informed the typically take 15 days to respond. Upon the XXXX day ( XX/XX/XXXX ), they informed me that they would need an additional 15 days to investigate further. I received a phone call today ( XX/XX/XXXX ) from a gentleman that informed me that he does not have access to this information and can not provide the accurate proof needed to confirm my dispute. He recommended me reaching out via mail to the billing department ( seems oldy convenient that they couldn't transfer me or help in this matter considering a dispute was filed, but more importantly, it takes them over their 30-day period to answer my inquiry ). I'd like to note that referring me to another department after a full 30 days is not a fair answer to a dispute. He also provided with numbers for each of the credit bureaus making it seem further suspicious that as a representative of XXXX XXXX, he didn't have access to the account information that would prove my dispute either accurate or inaccurate.
Product: Checking or savings account

I was accepted for a {$5000.00} loan for the first time so I chose XXXX XXXX to be the bank that I'd positive the loan company had told me that we need to do a test deposit of a certain amount for a promissory trustworthy note and I was to return the money that they deposited before they would deposit the full amount of the loan come to find out after they deposited the test deposit I tried to transfer the money back to the lenders they Citibank blocked my account for no reason no explanation I tried to call all that day the next morning I get a hold of the deposit department and I am informed that it is closed due to suspicious activity fraudulent activity not on my behalf but on the lenders from fast payday loan I have documentation that I had to sign agreement with the lender I also have text messages from the lender about the loan when I explained to XXXX   that I had no involvement in this fraudulent activity they still said that they was closing my case for future references not only does this ruin my credibility but it also ruins my credit I am appalled that they would help me for something I had no knowledge of due to this being my first time accepting a loan I was informed that we were to share our information of our banking account so they can deposit the loan I don't feel like I should be punished for somebody else 's criminal activity and that I think it's an unfair decision that they made and I would like a an apology and I would like to be unslagged and just taking off my credit report I'm a victim just as well as company is that these people were trying to defraud I have rights just as well as anybody else in this country I feel that XXXX  should listen to their customers more than protect their money because they are insured we are not
Product: Payday loan, title loan, personal loan, or advance loan

I have taken a loan from Transform credit on XX/XX/XXXX in the amount of {$3200.00} With 24 monthly payments of {$190.00}. There is option to pay weekly of {$44.00} or biweekly of {$88.00}. 
I have over the course of the loan tried both weekly and biweekly payments based on how i can afford the loan. My observation is that which ever payment methods i have chosen Transform credit seem to be collecting more than they should and also from from guarantor at the same time. I have reach out to them for an explanation of the loan as i have receive messages stating that we are ahead of schedule payments, and owe nothing until XX/XX/XXXX, then received notice from Transform credit days later accusing us of owing {$88.00} that is 12 days past due and that our paycheck and any assets we own will be confiscated. The last time we spoke to some called XXXX in XXXX and explained to him that we received the notice we didn't owe anything until XX/XX/XXXX. He responded that it was an error on their part and we should ignore it. 
I then asked for time to pay the sum of {$170.00} that he said we are owing on the XXXX of XXXX and then the regular payment of {$190.00} on the XXXX of XX/XX/XXXX. 
He replied that i have to make payments before then even though the information we received was an error on their end. 
Since then we have been receiving threatening emails of litigation, seizing assets and reporting to credit bureau. 
I believe for 12 days overdue on a loan this is not appropriate for any customer, and that Transform credit is abusing their customers.

We are very stressed from this loan company and need help to reach a suitable agreement with them s
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so sick of these credit bureaus ... I am frustrated they constantly violate the credit laws XXXX consumers reports yet nothing happens.. XXXX is the worst of them all I 've sent in several letters including. Fraud affidavit proving I had been a victim of identity theft ..they did n't investigate.. Transunion and XXXX both allowed fraudulent accounts to continue on my credit profile, XXXX allowed XXXX XXXX XXXX XXXX XXXX to report the same account twice using different account numbers for the same repo .. Both have different open dates on accounts, last active dates and tons of inaccurate illegal information to report according to the federal credit law all bureaus must report 100 % accurate information if the information is accurate should n't it all be reporting the same in everything? They let fraud account stay on without investigation all they do is replied verified if you both verified the same account information how come the information your both reporting is the same ..I really XXXX off and will be obtaining an attorney I have kept records of my letters to these two bureaus.Something needs to be done about these two bureaus constantly breaking the laws and not being held accountable for their actions while causing harm to consumers credit worthiness .. I 've included a list of not accurate information, fraud accounts, illegal reporting and it will show you exactly what I 'm saying I 'm tired of theses companies someone needs to put some actions on them they XXXX .They are supposed to deleted outdated information.they want even remove the fraudulent outdated addresses on my credit profile, the only address should be reported is XXXX XXXX XXXX XXXX XXXX XXXX la XXXX I 've been here 8 years all other addresses are outdated and I asked them to remove them .. some never belonged to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have names, addresses, phone numbers, employers, inquiries and collections being fraudulently reported on my consumer report. I did not authorize nor consent to the following names, addresses, phone numbers, employers, inquiries and collections being furnished on my consumer report. 
15 USC 1681E ( B ) states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please remove and update the inaccurate information thats being furnished.
Product: Credit reporting or other personal consumer reports

I Have disputed Inaccurate information that has been placed on my Consumer report 12 times over a course of 2 years. The Credit Reporting Agencies are not Investigating. I Have filed 4 different Complaints with the CFPB. I have filed 3 different Complaints with the XXXX. I Contacted the Attorney General Filed complaints trying to get this problem resolved. 

The Three Credit Reporting Agencies are all Reporting Different Information. ( Inaccurate information ). 

I Do not have Signed Contracts with the companies. I Never gave these Companies Permission to report anything on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, said All Accounts Were updated and VERIFIED. 

XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX. 

XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX XXXX can not show me how they verified these accounts with documents of the original contracts. therefore All INACCURATE AND UNVERIFIABLE. I DEMAND ALL 4 ACCOUNTS GET DELETED FROM MY CONSUMER REPORT!
Product: Payday loan, title loan, personal loan, or advance loan

Bay Country Finance is a company that officers personal loans with collateral ( title ). I have been had this loan for about two years to get repairs done to my car. They charge surcharge fees to process payments using a debit card. It is {$12.00} per card transaction to pay the loan back. Example, loan is {$200.00} per month, I am being charged {$210.00} to process using my debit card. They provide an option to come into the store to make a payment but both locations are 30 mins away from me. I dont think this is legal or should be illegal.
Product: Debt collection

I did not know anything about this debt from Perfection Collection. They just added on my credit about 2 months ago and I've never received a phone call, letter, email or anything because it is not my debt. I never lived at the address that this debt was for. I disputed with them and XXXX credit reporting agency. I have sent drivers license and letters from apartment I actually lived at during the time they say I acquired debt, also sent emails from myself and collection company to XXXX and they still wont remove. This Perfection collection said the only way this could be removed is for me to file a police report and charge someone with fraud. 
The debt is from 2016 and just now coming up. I also just filed bankruptcy and this debt was added right after filing. Obviously if this was really my debt I would of filed it under my bankruptcy. But it is not mine. Perfection Collection is trying to collect at least {$2600.00} for a XXXX XXXX XXXX company. 
I know the legal process to even put this on my credit report was not followed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint Regarding XXXX XXXX XXXX Dear CFPB, I am writing to file a formal complaint against XXXX XXXX XXXX concerning the accuracy and reporting practices of an account listed on my credit report. 

The account in question is identified as XXXX and is associated with XXXX XXXX XXXX XXXX However, I have noticed that the credit report indicates that XXXX XXXX has acquired the debt from XXXX XXXX XXXX. Despite this, XXXX XXXX XXXX continues to report this account on my credit file, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA guidelines, specifically under 15 U.S.C. 1681s-2 ( a ) ( 5 ), once a debt has been sold or transferred to a new company, the original creditor ( XXXX XXXX XXXX XXXX XXXX no longer responsible for reporting it. The responsibility for reporting the debt now lies with the new company ( XXXX XXXX ), who currently owns the debt. 

By continuing to report this account on my credit report, XXXX XXXX XXXX is potentially violating the FCRA 's provisions that govern accurate and timely reporting of information to credit bureaus. 

I believe that XXXX XXXX XXXX should update my credit report to reflect that the account has been sold or transferred to XXXX XXXX and remove any reference to this account from their reporting. 

Enclosed is supporting documentation from the credit report, clearly showing that XXXX XXXX has acquired the debt from XXXX XXXX XXXX. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly to ensure that XXXX XXXX XXXX complies with the FCRA and accurately reports my credit information. 

Please provide me with a written response once the investigation is complete and appropriate action has been taken to rectify the situation. 

Thank you for your prompt attention to this complaint. I look forward to a resolution that upholds my consumer rights and ensures fair credit reporting practices. 

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

I recently reviewed my credit report and noticed some fradulent accounts. Please remove all fraudulent accounts.They are hurting my ability to obtain credit.
Product: Mortgage

Loan was paid off in a mortgage refinance at the end of XXXX. The timing of the refi was such that I had to make an extra loan payment to avoid a 30 day late on my credit report. A few weeks later, I checked with the old lender ( Ocwen ) to ask when I might have this money refunded. They assured me that I would shortly receive both the overpayment ( approx. {$2800.00} ) and the amount remaining in the escrow account for taxes and insurance ( approx. {$500.00} ). I did receive the {$500.00}, but was told that they needed to hold onto the {$2800.00} 'in case there were any fees associated with the loan ', which made no sense as the loan had been paid off. I have called them repeatedly over the past two months, and continue to receive the same story, always that they are going to send it, but they just need to hold on to it 'in case there were any fees associated with the loan '. Additionally, when you call, you can tell they are just reading from a script, because if you ask any questions, they have literally no answer.
Product: Payday loan, title loan, or personal loan

I borrowed {$1000.00} from XXXX in XXXX. I have paid over {$2000.00} so far at every other week payments of over {$340.00}. They also made the payments due before paydays and refused to change it after sending in paystubs. They also would not let me pay off early. The interest charged would have cost me over {$6900.00} to complete. They are not licensed in the state of Colorado and the interest rate is outrageous. I closed my bank account and told them I am done paying as I feel paying over {$1000.00} in interest is sufficient. They are threatening to sue me and ruin my credit by putting it into collections on all three agencies. Thank you!
Product: Debt collection

This company is attempting to collect a debt that has not been VALIDATED or VERIFIED. I asked the company for VALIDATION of this debt and they have failed to do so. They sent me billing statements which is not VALIDATING this debt. Also I've previously disputed this company for this same reason and somehow they managed to get back on my report, they did not notify me within the allotted time period they were going to add this back to my credit file. Therefore this needs to be removed from my credit report and this company needs to cease communication with me.