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

My account with XXXX TRANSUNION 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 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 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$5200.00} ( This was opened fraudulently while I was in college. It comes off in XX/XX/XXXX but Im asking for this fraud account to be deleted now. Ive been living with for almost 7 years. ) XXXX XXXX  XXXX XXXX XX/XX/XXXX ; Balance- {$370.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$390.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$3400.00} XXXX XXXX XXXX {$350.00}
Product: Credit card

I have maintained perfect payment history with this credit card company, my XXXX XXXX through Comenity Capital Bank, since XXXX. 

I have tried to keep my credit usage under the recommended 30 % of my outstanding available credit and in so doing this is one of the cards I have not used as it is at a higher rate than some of my others. But I certainly felt secure and appreciated that this card with a built up {$7500.00} credit limit, which offers me resources anywhere, was in my wallet. 

Upon receiving a letter from them a couple weeks ago that said they intended to close my account if I did not use it by XXXX, I attempted to begin using the card. It was declined. While this was humiliating for me, the worst was yet to come. 

When calling them for an explanation they said they had information that my credit situation had changed significantly. I do not believe this to be the case but I was told if I wanted to keep using this card a credit report would need to be pulled. Knowing that a XXXX inquiry will lower my score I very reluctantly authorized them to pull my credit, they gave me no choice- it was either that or they were going to close it in XXXX anyway since they are preventing me the ability to meet their condition for keeping it open ; to use it. To my horror and disbelief the Representative said my request to remove the " freeze '' was declined and I now had no available credit. I don't understand, when I have absolutely no late payments to them, or any of my creditors, ever- and I am currently at using only 27 % of my overall available credit and my household income more than supports my outstanding debt- HOW could they punish me like this!? I have kept my end of the terms to the credit agreement and I have only improved as a credit using consumer in the four years since I took out their card. 

My reward for being a responsible customer after 4 years is to be selected for this new procedure in which the credit card company gets to pluck you out of the blue- lower your score by doing an inquiry and then reduces your score even further when they close your account. Ask why and they say " talk to the credit reporting agency ''. Well- its not the credit reporting agency who has just revoked a {$7500.00} credit card and I KNOW they wont be able to tell me why XXXX Comenity did it either so that's lame. For doing nothing wrong, for doing everything right- this company has just injured me by reducing my bowering power and increasing the rate at which I would qualify if approved for credit. This is just absolutely lousy that by doing this they can hinder or even disqualify consumers from credit eligibility. I ... .did ... ..nothing...... wrong. There should be no reason for them to hinder my credit eligibility through their new method of " credit recall '' and account closure, if THEY choose to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a response from XXXX whom I filed a dispute in regards to my consumer credit report with XXXX. This was a response to a previous dispute about an unauthorized unknown and fraudulent account on my experian report. XXXX responded with a generic response stating the item was verified and will remain with no verification or documentation. A consumer credit reporting agency, experian is subject to the Fair Credit Reporting Act also known as FCRA. 

The item I disputed multiple times in writing is XXXX XXXX  personal loan XXXX. I sent multiple disputes including in XXXX, XX/XX/2023 stating this account was unauthorized and fraudulent. I asked for written proof documentation in writing including original signatures showing this account was authorized. Section 602 of the FCRA allows a consumer to request proof and verification of the investigation and documentation. In writing with original signatures for a disputed item to remain on a consumers report. I requested this multiple times from experian. 

XXXX has failed to provide any proof of any investigation, failed to provide written signatures on original documents as required by Section 602 of the FCRA. Due to the failure to provide the requested and required written documentation and signatures I am requesting that XXXX remove without any delay the XXXX XXXX  personal loan item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accounts listed below multiple times. I have sent many letters and these accounts have remained on my credit reports. In accordance with the Fair Credit Reporting act these XXXX accounts have 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 witho
ut my written instructions XXXX XXXX XXXX Account number XXXX US DEPARTMENT OF EDUCATION Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. 

I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. 
This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be REMOVED Income can not be reported on credit files 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What is the civil liability for 15 USC 1681 N in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was looking over my credit report a couple of weeks ago and noticed accounts on it that were not mine. There also isn't anyone other than myself who has authorized access to my credit report. I am not sure how this could have happened, but I am asking to please have these accounts re investigated. I am in a position now that i can not acquire new credit and it is completely unfair. Please remove these fraudulent accounts.
Product: Mortgage

My mortgage company marked us late to the credit bureau for XX/XX/XXXX for 30 days and for XX/XX/XXXX for 60 days when we paid both months on time. We entered into an approved loan modification loan that started XX/XX/XXXX to XX/XX/XXXX. We have statement that show we paid every month on time. In XX/XX/XXXX my mortgage company PennyMac said the Loan Modification Dept. had not finished the paperwork, so to pay the same modification amount for XX/XX/XXXX, which we paid on time. XX/XX/XXXX at XXXX we received a XXXX package with our loan modification paperwork saying to sign and return them by XX/XX/XXXX. I called and PennyMac said to take a week or so to review and then sign and XXXX back as we did. I called in XX/XX/XXXX to make a payment and they said since the modification was finalized XX/XX/XXXX. they did n't expect us to make a payment, that month was rolled into the new loan modification. I was told to make the next payment in XX/XX/XXXX, which we did on time. 

A Rep. at PennyMac sent us a letter saying we were not late in XX/XX/XXXX, but said they would not remove XX/XX/XXXX late reporting. I sent her letter to the credit bureaus and received a letter saying PennyMac said they did n't send the letter. 

I have PennyMac statements showing I paid every month on time. I also have the letter from PeenyMac saying they were in error marking us late for XX/XX/XXXX. Also the paperwork for my new mod loan. 

I 've sent several emails to PennyMac, which I have copies of from their website. I 've spoke to several reps. Who have incorrect information and I 've faxed all my paperwork to them. 

Please help.
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 Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$530.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX  XXXX Balance Owed : {$1000.00} ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Checking or savings account

All Captial One Bankers this week did not receive any notice regarding very delayed delivery of direct deposits to accounts. 

Individual were not communicated with between XXXX XXXX XXXXXXXX XXXX what was happening with accounts and delays regarding a third party vendor until XXXXXXXX XXXX  after the issue had already been happening for one business day. 

Due to this very poor service and situation many including myself was impacted personally not being able to have access to direct deposits and werent able to pay bills before a holiday weekend and were charged late fees. Many werent able to access ATM and other transactions and account balances werent available for majority. Very disappointing service from Capital One due simply to not communicating with their valued bankers. When they said this issue was resolved it wasnt true. Many including myself didnt get our funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. I am only XXXX XXXX XXXX and This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.
Product: Debt collection

I had a lease with XXXX XXXX XXXX that ended XXXX of 2018, I paid my last months dues and thought I was finished. XXXX claims to have sent me an invoice regarding a {$390.00} " Disposition Fee '' however I never received any letter or invoice stating how much was due. Even if the amount was due I have screen shots of my balance at {$0.00} owed and was not allowed to log back in once I made my final payment. 

I received a collection letter from an agency requesting a payment of {$390.00}, I don't want it reflecting on my credit report as I never knew this amount was due and was not informed of this in anyway. 

XXXX claims to have mailed letters but theres no proof of delivery
Product: Credit reporting, credit repair services, or other personal consumer reports

After obtaining a copy of my consumer report. I seen that they were numerous unauthorized transactions furnished onto my consumer report. I never gave him an information for any of this to be furnished. An so to use my Social Security number an personal information without my consent is fraud an identity theft. I cant believe that this company would furnish these fraudulent inquiries and accounts on my consumer report without even contacting me. Or getting some type of written permission from me. I have to speed of these inquiries and accounts numerous times. These accounts are in violation of my consumer rights. This has caused me extreme stress lost of sleep. An caused me to get denied for numerous things which I consider damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX  I submitted a dispute with Equifax regarding inquiries that are reporting and are not inquiries initiated by me. I have called several times only to be told that there is nothing they can do and that it is factual. I asked how can it be factual if I am telling you I did not initiate. The dispute I submitted on the  XXXX  came back the same day stating that it will continue to be apart of a factual record. There is no way possible that Equifax investigated my dispu te in 24hours. I get zero coop eration when calling Equifax. They are suppose to help and listen but before you can get a word out they shut you down. The customer service representative do nothing to help when you tell them that you never initiated inquiries or accounts for that matter. I placed a fraud alert because I did not know all of that information was going on with my credit report. I asked that they delete those inquiries off my credit file and s till in 24hrs it w as investigated ( I DO N'T BELIEVE IT ). They obviously looked at my dispute and said oh well its on there and will stay regardless if she said she did n't know anything about it.
Product: Debt collection

On XX/XX/2020, I received an email from XXXX  that this medical Bill was listed with the credit Bureau reporting agencies for collection. I never received a collection letter from this company and because of this was not given the 30 day right to question this or dispute it. I want this deleted from all the bureaus as my consumer rights were violated as I was not given the opportunity in writing to question this. If this is in fact owed I am willing to pay it providing this is removed from all of the bureaus as it is damaging my perfect credit and bills paid on time as agreed.
Product: Student loan

Why do you have to keep reapplying to have your loan discharged when you 're XXXX? 
Some of the letters I have written addressed to the " lender '' have been returned to me.
Product: Debt collection

Concerning Mr. Cooper mortgage company. 

XX/XX/2021 I was notified by XXXX XXXX  via a mobile alert at approximately XXXX my checking account was - {$2900.00}. Noted on my transactions was 2 ACH withdrawals of {$1700.00} XXXX totaling {$3500.00} XXXX from Mr. Cooper mortgage company. I did not authorize these transactions. These transactions were also not listed under my payment activity through Mr. Coopers mobile app. 

I immediately called XXXX XXXX and after 2 phone calls, I was told there was nothing they could do and I was to wait it out ( I have the phone recording ) I attempted to call Mr. Cooper and requested a call back and this never happened. 

I learned of this fraudulent activity through XXXX. Mr. Cooper did not make a statement until later in the day. I received an email at XXXX from them explaining what had happened. 

I also was not notified via Mail that my mortgage was going to increase due to an escrow shortage. I have had this company since XXXX and I am extremely unhappy with their customer service and delayed response to an extraordinary event.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my  XXXX    XXXX   account the bureaus are reporting a late payment or a delinquency which is inaccurate i have send letters and also to the creditor, but so far no resolution have been made. please resolve this issue.   thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX In connection with the collection account with Opportunity Financial, In pursuant to 15 USC 1681b ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or. I did not give any permission to pull any information from my report specifically because my ssn should be excluded from my consumer report and this account is a credit card account. In pursuant to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I consider this information that was reported as identity theft. I demand a deletion of this account effective immediately. If the account is not removed from my consumer report I will take this to a federal matter.
Product: Credit card

On XX/XX/XXXX a refund was issued to my closed credit card account for a purchase I made on XX/XX/XXXX. XXXX XXXX was the 3rd party servicer for credit cards issued by my bank that is now closed. The refund was accepted by XXXX XXXX and I have not received the refund. I can not get through the automated system to contact XXXX XXXX because my account is closed. Their customer service is atrocious.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion or the collection agency, XXXX XXXX XXXX, readded a collection that was previously deleted without my knowledge. It is against the law to delete then re-add a collection to the credit profile without first giving a 5 day notice in advance. XXXX XXXX XXXX ( XXXX XXXX XXXX ) deleted their collection on my credit file on XXXX XXXX, 2017. It was re-added back, under the same collection agency, a few days later. I was not given nor did I receive a notice in a the mail or email about this collection being re-added to my profile. I do not own this collection.
Product: Debt collection

Hello, On or around XX/XX/18, I received a communication from MCM related to a debt that I do not own. XXXX XXXX XXXX XXXX, placed items on my credit report without first verifying and or confirming the debt belong to the correct person. With that said, from my understanding a communication is to be sent out to the alleged debt owner so they would be able to respond in an effort to resolve the issue. I received now communication from MCM related to this debt, and it was placed on my credit reports unlawfully. The issue is two fold, first the debt is not mine and second, the items were placed on my credit report, damaging my credit worthiness.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX This is discrimination! YOU BROKE THE LAW!! 
Dear Navy federal credit union On ( XX/XX/XXXX ) I used my credit card as defined under 15 U.S.C 1602 ( a ) ( 1 ) To extend myself credit through your company. I was denied on ( XX/XX/XXXX ) I received an adverse action letter from your company attempting to explain why I was denied. This was clearly an act of discrimination pursuant to 15 U.S.C ( 1691 ) ( a ) ( 3 ). I in good faith excercised my right to extend credit as a consumer, and a creditor and I was denied for no specific reason. You also violated federal law and you will be hold civilly and criminally liable because you violated 15 U.S.C 1602 ( a ) ( p ) you used my credit card with no apparent authority, and I the card holder and consumer received no benefit. You are now civilly and criminally liable under.

1.15 U.S.C ( 1611 ) 2. 15 U.S.C ( 1640 ) 3. 15 U.S.C ( 1691 ) ( e ) 4. 15 U.S.C ( 1642 ) To preserve the judicial economy, and save us both time and money in court. I am willing to settle this matter for the following. 
Extend me the credit I applied for! 
Reference # XXXX If you fail to comply I will not just stop at a civil complaint I will file a criminal complaint against your company as well. I am giving you 30 days to respond to my demands.. 
This letter is also being CC-To the CFPB and CC- To the attorney general.