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

My account with XXXX  XXXX. XXXX XXXX and XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX. XXXX XXXX and XXXX 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 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 that are reported 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. 


XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX 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 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 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: Credit reporting or other personal consumer reports

Upon reviewing my credit report recently, I discovered discrepancies in the reporting of one account. Despite being paid on time, it erroneously shows two late payments. It is crucial for consumer reporting agencies to ensure the accuracy of all reported information. 

Attached to this complaint, dated XX/XX/2024, is a copy of my credit report highlighting this issue. I kindly request an investigation into this matter and the immediate correction of these payments to reflect their accurate status as paid on time. Your prompt attention to this request is greatly appreciated. Thank you for your understanding and swift action.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

2. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX  Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX XXXX Account Number : 19 Delete From My CREDIT REPORT 5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE THD/CBNA Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES CNS PORT SVC Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Product: Credit card

I have always ensured that payments on this account are made promptly, avoiding any overdue status. I am unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, The XXXX  At XXXX XXXX, KXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  XXXX and XXXX has violated my rights.

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

15 U.C.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. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt collection

I obtained my credit report for accuracy and saw an account that is not mine. I sent a letter to the collection agency on  XXXX / XXXX /  XXXX   requesting additional information to investigate who opened this account in my name. As of today they have not replied.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX XX/XX/2024 Dear XXXX, I am writing to file a formal complaint against CAINE WEINER for violations of the consumer financial protection laws as outlined under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), 15 USC 1681s-2 ( 7 ) ( a ) and 15 USC 1681 ( e ) b. 

I do not owe this debt ( account # XXXX ) and I ask for debt validation, the purchase agreement between them and the original creditor. I have included the attachment with multiple inaccuracies across all three major credit bureaus regarding this collection. 

CAINE WEINER has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet placed a collection on my consumer report. 

CAINE WEINER is violating my consumer rights by using false and misleading, misrepresentation and deceptive means. 

CAINE WEINER has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15USC 1681s-2 ( 7 ) ( a ). 

CAINE WEINER did not follow reasonable procedures to assure maximum possible accuracy of the information concerning my account and yet shared these inaccuracies on consumer report, this is a clear violation of 15 USC 1681 ( e ) b.

Based on my experience and the evidence provided, I believe that CAINE WEINER has violated the following laws. 

12 CFR 1006.34 ( b ) ( 5 ) : Failure to accurately validate information to consumers concerning their accounts.

2 ) 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Failure to conduct proper investigation of disputed debts and provide consumers with adequate responses. 

XXXX ) 12 CFR 1006.34 ( d ) Failure to maintain and implement reasonable policies and procedures to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX ) 15 USC 1681s-2 ( 7 ) ( a ) Failure to accurately report information to consumer reporting agencies. 

XXXX ) 15 USC 1681 ( e ) b Did not follow reasonable procedures to assure maximum possible accuracy of the information concerning my account. 



I request that the Consumer Financial Protection Bureau investigate these alleged violations and take appropriate actions to ensure compliance with consumer financial protection laws. Im revoking all rights of CAINE WEINER to contact me via emails/text/calls. 




Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX I have not supplied proof under the Account # XXXX,, I presume that no such proof of the alleged debt, nor therefore any such debt, in fact therefore exists 5 U.S. Code 1681i - Procedure in case of disputed accuracy ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency
Product: Debt collection

Since 2018 I have been trying to have OCWEN Loan Servicing removed from my credit report. OCWEN Loan Servicing LLC has not responded to disputes under the FCRA. 
All correspondence to OCWEN Loan Servicing LLC has gone unanswered. OCWEN Loan Servicing has removed false information from all reporting agencies EXCEPT XXXX, to which OCWEN has failed to notify.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the negative account on my credit report. The discrepancies in how this account is reported across the three major credit bureausXXXX Equifax, and XXXX both misleading and damaging to my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a debt with Pro Collect for a little over {$240.00}. I paid the debt and was told once the debt was at a XXXX balance Pro Collect would take the smear off my credit report. This has not been done. Also, its reporting negatively that I still owe on my consumer report. I would like this remark removed from my credit report and consumer report as promised. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports :
Product: Vehicle loan or lease

I have been dealing with this issue since XXXX, I purchased new XXXX XXXX in XXXX the financial company was XXXX making payments to them and guess they went out business and a XXXX party took over their loan long story short XXXX  is still on title, this car loan is not on my credit report and has not been since XXXX I have been reaching out westlake portfolio management is the XXXX XXXX and I have been getting the run about my title. XXXX is saying their is {$0.00} balance and it shows void/canceled when I asked what does that mean they are telling me they never received it from XXXX and that XXXX XXXX has it I have contacted XXXX multiple times and they have insured me that never had it I gave them my full name, XXXX, and Vin number that dont havent Im just trying to Lien release or a letter of. Non secure interest to give to the DMV to remove XXXX off my title. I have tried talking XXXX but getting the run around and now Im being told its nothing they can do because they received anything form XXXX and that it went XXXX XXXX XXXX Id their anyway yall can help me get this issue resolved never received emails or phone calls or anything mail they said what was going on with XXXX I found out because I had called them and that was there automated response and it redirected you to XXXX and that was in XXXX.
Product: Checking or savings account

I received a statement in the mail today for a {$20000.00} loan made in my name but not by me
Product: Checking or savings account

Capital one was suppose to close my account down in XXXX. It has now been 6 months and the account is still open but on hold and no funds can be taken from the account. I have been reaching out to capital one every month about this and no one ever returns my call to assist me and they are just racking up interest on the balance. I have tried numerous time to resolve this and Capital One has done absolutely nothing to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Product: Mortgage

The finance group wants to give the contractor remaining funds and work is nowhere near completions and funds already given for work not done like A/C and cabinets. The contractor procrastination through out this entire process has caused his cost issues. Funds that have been given for A/C and cabinets these items should be installed and they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I was denied a bank loan because Equifax is not reporting a score on my credit file. I immediately called Equifax and was told it was because I have a freeze/FRUAD alert on my credit file. I asked that the freeze be removed. After going through the verification process over the phone to confirm my identity I was told by the representative that the freeze would be removed immediately. On XX/XX/XXXX I returned to the bank and was told the same thing. I decided to wait, a few days. On XX/XX/XXXX, I checked my Equifax report and noticed there was still no score available. I contacted Equifax, and was told to fax a copy of my DL and social security card. On XX/XX/XXXX, I received a notice from Equifax that reads in part " As you requested. we successfully removed the fraud alert on your Equifax credit report '' After receiving this notice I thought that everything was fine so I contacted my Bank to reapply for the loan and was told there is no Equifax score available. I contacted Equifax again, after speaking to 3 reps and more than 2 hours on the phone I was told that I needed to provide proof of my address. So I faxed copy of my DL, SS card and bank statement. I waited a week applied for the loan again and was denied for the 3 rd time because there is no score available. I contacted Equifax 4 more times. Every representative I spoke to said the fraud/freeze was lifted but No one can explain why there is no score available. When I asked for a supervisor I was hung up on. This has caused me a financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting charge off every month to the credit bureaus since XXXX XXXX, with the most recent report being XXXX. XXXX. I voluntarily surrendered the vehicle approximately XXXX XXXX. XXXX has placed a balance of {$9000.00} and a charge off on my credit reports as if they have not the car in their possession/auctioned and sold the vehicle for the price or more their trying to retain from me. 

XXXX presenting a one time report to the bureaus is one thing, but to continually be reporting " charge off '' on a monthly basis for a debt that has been reconciled through the process of volunteering a surrender and XXXX retaining all remaining capital from my XXXX extended warranty that was on the car at the time of surrender ( but has failed to acknowledge they retained this money as if I'm not aware ) is obvious a greedy scandalous tactic to do harm to my credit history and financial well being. In addition to a violation of my consumer rights as XXXX has more than likely sold/auctioned that vehicle and made the balance of {$9000.00} or more while trying to scam the same amount from me.
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. 

Account name : 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 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: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

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

new recent late night inquiry alerted on my credit report. 
Experian report showing a XXXX XXXX  XXXX XXXX. 
XXXX and XXXX identity theft filings have already been submitted. 
All need to be removed. provided proof of identity in previous submittal. 
still trying to correct the damage. 

XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried obtaining an Equifax credit report through annualcreditreport.com After making several attempts i was instructed by the annualcreditreport.com website that my credit report could not be accessed at the time and was instructed to contact the credit bureau directly. I spoke with XXXX throught the Online Chat option and he instructed me to call the customer service phone number and get ahold of a representative. So I called XXXX which is the customer service phone number for Equifax. I explained the situation with the representative over the phone so she asked for my information for verification purposes and she told me that my address on file had not been updated and that my birthday was incorrect as well. She said she could process the request for a copy to be sent but that it would be sent to the address on file which is not the address that I am currently living at. I asked if there was anyway i could update or correct that information either over the phone or online and was told that the only way was to send a letter with a cover letter and a copy of my social security number, drivers license, and birth certificate. I was not satisfied with this answer as i was able to update and or correct information on my credit report through XXXX and XXXX with no issues. I contacted another Online Chat Agent and was told that in order to update/correct that information and get a copy of my credit report i would have to mail in copies of the required documents along with a cover letter explaining the reason for the letter or fax in the information. I do not feel comfortable either mailing copies of any of this information or faxing copies of this information specially after i was a victim of the Equifax data breach.