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

My account with XXXX XXXX XXXX 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. 

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, credit repair services, or other personal consumer reports

Complaint # 1 - I started contacting XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO. XXXX on or about XX/XX/XXXX when XXXX XXXX XXXX  transferred my excellent paid mortgage to that company. I called XXXX XXXX XXXX XXXX to ask why they are reporting on my mortgage statement a Bankruptcy Message? That is when I learned at the beginning of the call with their automatic phone prompt system announcement, that they were a XXXX XXXX XXXX. I asked them to remove it from my statement, because they got an excellent mortgage from XXXX XXXX, not a default or bankruptcy mortgage loan from XXXX XXXX. They refused. I was told if I don't like the statement that I can request them not to send me no statement at all. ( proof of payment, insurance, taxes ). This was the only option they gave me. 

Complaint # 2 - Since XXXX XXXX XXXX got my mortgage from XXXX XXXX, they have not reported to any credit bureau that they are the new company on the loan. Therefore, there is NO credit good or payment history being recorded with any Credit Bureau on my behalf. XXXX XXXX was the last credit reporting on my mortgage loan since on or about XX/XX/XXXX. I called XXXX XXXX XXXX on or about XX/XX/XXXX, also in XXXX, XXXX, XXXX, XXXX to request my good payment history to be reported to all the Credit Bureaus. My request was denied. However, I questioned if I was to miss a payment would they report it as bad credit, they said, they would report it to the Credit Bureaus as a missed payment. So, I said, " you only report bad payment credit history, NOT good credit payment history? '' I am filing a complaint against this company for refusing to report ALL of my excellent payment history to all the Credit Bureaus since receiving my mortgage from XXXX XXXX on or about XXXX or XX/XX/XXXX. Also to remove the damaging, derogatory statement from my mortgage statement. Neither, XXXX XXXX XXXX, or XXXX XXXX XXXX  was involved in a bankruptcy, or a discharge of any type of monetary funds concerning my mortgage loan, so the statement on my monthly bill is misleading and false. My monthly statement is the only proof of my on time monthly payment, and it's defiled every month with this lie. Therefore, I am unable to use it as a form of proof of good payment and credit history. This has caused me a lot of unnecessary distress, pain, and suffering at the hands of XXXX XXXXXXXX XXXX predatory loan service practices.
Product: Debt collection

ProCollect Inc is reporting on my credit reports a debt for {$7500.00}. I wrote them a letter asking them to let me verify the debt. I asked for any contracts and signatures of mine they may have from original debt. I asked for a contract or chain of custody to show they can collect the debt. I asked for a list of things to verify the debt that Im able to ask for under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). They replied with a letter stating they have asked the original debt holder if the information is correct and it is so they have verified the debt is mine. They only sent me a copy of a lease from an apt complex and they are still reporting to the credit bureaus that I have this debt. They have denied my my right to verify a debt. This company does have a bond that is in good standing with the state of Texas that I could find online.
Product: Debt collection

Transworld Systems collection company phone XXXX just added to my credit report stating failed to pay bill in amount of {$780.00} Making my XXXX credit score dropping 41 points This charge from XXXX XXXX in amount of {$780.00} for blood work was processed by my medical Doctors office using my XXXX Part B That Covers total amount billed .. 
Don't know why im still getting billed?
Product: Credit card or prepaid card

Discriminated against by Capital One Bank ( USA ), N.A..
Product: Credit card or prepaid card

I made a purchase using XXXX XXXX XXXX ( comennity ) with a promotional rate of 12 months zero interest. I made all of my payments on time for 12 months using the us postal service. Comenity claimed they never received my 12th payment and charged me the deferred interest and late fees based on the missing payment. In my entire life of paying bills with USPS they have never lost any of my payments. I called comennity and asked them to remove the fees and interest based on my payment history. They were very defensive and rude. I cant believe that the payment that was due when my promotion expired was misplaced by usps as it has not been returned to me and every other payment arrives on time. They would not work with me to remove fees and interest or try to find out what happened to my payment. They are taking no responsibility for the missing payment. I believe they lostit to make an extra {$500.00} off a XXXX XXXX. I have no proof of what they did, but that is how they are getting away with stealing from consumers by saying the post office must have lost your payment. I have read other complaints from consumers of comenity taking advantage of people who need to make large purchases on credit. They told me if it was so important to pay my bill on time I should have payed online. I wasnt worried because the usps delivered all of my other payments on time. They dont make money if I pay on time. I believe they are stealing and didnt process my on time payment so they could charge me interest and fees. I wont do business with them anymore but they shouldnt be allowed to steal from consumers who pay their bills on time. Also, the statement they just sent in the mail with the interest and late fees arrived two days before the due date. Are they not required to send statements with enough time for the consumer to send payment? These practices seem very unethical and dishonest to me. I hope my complaint can help other people to avoid being robbed by XXXX XXXX/ commenity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A Credit Card account Closed at XXXX on XX/XX/XXXX Account number ( XXXX ) an Credit Card Closed at XXXX on XX/XX/XXXX Account number ( XXXX ) an Auto Loan Closed at XXXX on XX/XX/XXXX Account number ( XXXX ) an Collection Closed at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) An Collection Closed at XXXX on XX/XX/XXXX Account number ( XXXX ) an Credit Card Closed at XXXX  XXXX on XX/XX/XXXX Account number ( XXXX ) an Credit Card Closed at XXXX on XX/XX/XXXX Account number ( XXXX ) an Collection Closed at UNAUTHORIZED COLLECTION on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not my account and it is adversely affecting my credit score. 

I am not familiar with account number XXXX
Product: Credit reporting or other personal consumer reports

American Education Services is reporting inaccurate information to the 3 credit bureaus. I am enclosing copies of 3 credit reports to show the inaccurate information being reported. I have called and tried to word with America Education Services to get this problem resolved, but they keep saying the information is correct. By law, the information being reported on my credit report is inaccurate and needs to be removed. American Education Services is reporting that I have late payments XXXX days late. On XXXX credit bureaus it show XX/XX/2019 in good standing then XX/XX/2019, is 60 and 90 days late. Then May XXXX, 90 and 120 days late. I am not sure how you can report good standing one month and then the next month be 60 or 90 days late. I want this inaccurate information removed from all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, how are you, i am attaching a packet of inquiries and many attempts of my inquiries that have been ignored and inquiries that have been inquired multiple times, which i wrote notes in sides. i even added which Bureau deleted and which did n't. XXXX is the worst to deal with and i have been dealing with these headaches for over 6 months now and not to mention time and money spent on priority mails. i hope to get this resolved soon so i can move on with my life. i am looking to refi my home and do not want to be homeless with my XXXX babies. please CPFB do as much as you can to remove this and i believe this will raise my score a bit and if not then atleast make me look presentable to my future lenders. i really appreciate your help. Thank You. PS.. please get back to me as soon as you can, i want to refi soon before the rates go up again.
Product: Credit reporting or other personal consumer reports

credit inquires that i did not inquire on, allowing my information to be ran without authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2022, I called enhanced recovery system to inquired about the inaccurate reporting of a debt from WOW. I explain to them that the debt wasn't mines because I never had service with them moreover I was XXXX during the time. I have attached a letter to prove that I was incarcerated during the time this account was opened. Instead they ignore me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX , CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the XXXX XXXX recent administrative proceeding
Product: Checking or savings account

I was XXXX from XX/XX/2024 to XX/XX/2024. While XXXX I received my tax refund of {$6100.00} into my sofi account on XX/XX/XXXX, from XX/XX/XXXX to XX/XX/XXXX there is XXXX transactions that I DID NOT make or Authorize on my account resulting in {$6100.00} spent out of my account. 
After my XXXX  on XX/XX/XXXX I tried to get into my online account, it was locked due to too many attempts to log in, I called sofi to verify my identity and get my account unlocked after it was unlocked and I was able to log in is when I noticed all the transactions I then called sofi and filed a claim on every transaction. Sofi told me it would take 7 to 10 business days to resolve. After not even 24 hrs I received XXXX emails telling me my claim had been denied never explaining why. I then called sofi back asked to speak to a supervisor who put in an appeal request, after doing so I received an email asking for any information that could prove I wasn't responsible for the transactions I then sent an email with my paperwork from my XXXX  with my dates of XXXX  on them which again I state was from XX/XX/2024 to XX/XX/2024. Now after XXXX days I receive XXXX emails telling me my claim was denied again with no explanation. I need this matter resolved immediately {$6100.00} is a lot of money missing from my account and I need it all back and feel that it should definitely be paid back considering I trusted sofi with my money.
Product: Credit reporting or other personal consumer reports

I was a victim of this data breach and I would for this account to be deleted immediately
Product: Debt collection

on XXXX XXXX I received a threating letter among other letters from a company stating that they are considering sending my account to an attorney in my state for possible litigation and to Please pay us no later than XX/XX/23. They amount they are looking to collect is {$1100.00}. This company is not register in Georgia as a Collection Agency, or a Debt collector so there for they can't collect on any behalf, and I never had an account with this consumer.
Product: Money transfer, virtual currency, or money service

Over the past few years from XXXX  i have noticed transacctions on my account that i did not make, these are unauthorized purchases that someone made using my cashapp card, i have submitted disputes in regards to those unauthorized purchases. I have had to request Brand new cards from cash app as result of this. This has been a huge inconvenience as it has caused me to be late paying bills etc.
Product: Checking or savings account

It's been over 6 months now that Chase Bank has closed my bank account because of a endorsed check that my brother gave to me to deposit in my account because he lost his XXXX. Chase Bank processed the check over to XXXX, the checks original bank, XXXX verified and cleared and deposited the amount of check in my Chase Bank Account. 
Now after the fact, Chase wants to verify my brother through his cell phone and his number doesn't show up verified to his name. So being that Chase Bank already cashed the check before verifying him, which they should of done first before processing the check, he can't cancel, reissue, or anything with the check. And he's having trouble with getting a new XXXX because he was born in XXXX XXXX and needs his Birth Certificate and parents are deceased.
Product: Credit reporting or other personal consumer reports

I have no connection to the inquiries or the creditors mentioned.
Product: Mortgage

XX/XX/year> problems : 1-Automated service doesnt recognize my SS number and/ or Account number. 
2-Spoke to two agents and was disconnected- waited for call backs with no result.

3-Spoke to a third agent about eliminating PMI and she again was unable to find my account until I provided my SS number. She put me in hold and XXXX minutes later she informed me that her supervisor was not available and there was no one with the proper license to speak to me about eliminating PMI. She warned me a call back can take about XXXX hours. 
Horrible!
Product: Credit reporting, credit repair services, or other personal consumer reports

We have attempted to contact the bureaus regarding my previous addresses and erroneous names. I currently have reporting through XXXX my name under Also Known as : XXXX XXXX XXXX XXXX which is erroneous. They are also reporting XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX that needs to be removed. XXXX is reporting erroneous previous addresses under XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2018. As for XXXX, they are reporting erroneous addresses under, XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$1100.00}
Product: Mortgage

I reached out to my loan servicer via telephone on XXXX/XXXX/XXXX re : loan payment deferral to to me and my family being impacted by the recent Hurricane. I was told by the CSR that he could not assist w/ my concern and he would ensure a loan officer contacts me within 48 hours. As of yet, a loan officer has not reached out to me. 
On XXXX/XXXX/XXXX I reached out to XXXX XXXX via email at : XXXXXXXXXXXX regarding my concern and have yet to receive a response. 
On XXXX I reached out to Customer support via email at : XXXXXXXXXXXX and received an auto email acknowledgement with a reference/ticket number is XXXX, as of date no response or reply to ticket.
Product: Debt collection

Received a call from XXXX-XXXX-XXXX on X/X/17. Voicemail asked me to return a call immediately to " prevent further action being taken. '' The voicemail did not state who was making the call or from which business. The information in the voicemail to contact was XXXX-XXXX-XXXX with a reference number of XXXX upon calling back the automated system identifies the business as XXXX. When speaking to representative number 1 I was informed of a debt that had been paid as agreed and account closed 7 years ago. Representative demanded payment over the phone immediately and said " good luck '' before hanging up when I informed her that I did not owe nor had means to make payment at this time. I called a second time, spoke to representative number 2. I requested written, mailed verification of this debt. The rep became hostile and said he can email only and raised his voice when I told him I had never received anything in the mail regarding this debt and stated again that I do not owe this and would like written verification. The rep hung up on me. Called a third time, asking to speak to a supervisor. This rep informed me she is a supervisor. Upon providing the reference number and stating that the previous 2 reps as well as her had not informed me they were debt collectors violating the FCRA she hung up. After placing a fourth call, not providing the reference number, I asked for the business name and contact information and stated that I would like to mail a check when for my account and the woman told me they do not take mailed payment and when I again requested the address she hung up. I believe this to be a scam or just completely illegal, unethical debt collection practice.
Product: Credit reporting or other personal consumer reports

am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate.

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX Account NumberXXXX Amount : {$0.00} DateXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and [ XXXX ] ran an unauthorized credit inquiry on me on [ XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Whenever I go to Discover website, there are always crashes, service unavailable etc .... 
And after I come back to pay, Discover moves my payment date to the next day to collect fees on the payments. When I try to reach out to Discover to help, it is always unavailable. I try message - messages can not be sent. What kind of service is this? Are you doing it on purpose Discover, to collect fees??