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

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Mortgage

PHH said they were now serving my XXXX from Ocwen but I got no written notification. PHH has reported that I was late for three months on my mortgage which was untrue as I was sending payment through auto pay to Ocwen which did not send them to PHH. This happened between XXXX XXXX time frame. I contacted Ocwen when this showed up on my Credit report whom referred me to PHH. I contacted PHH as I and XXXX XXXX where deployed out of country and made the missing payment as I awaited Ocwen to return the payment. PHH claimed I did not make XXXX and XX/XX/XXXX payments But I can prove the payments did go to PHH. They also are not honoring XXXX XXXX SCRA orders provided to them in XXXX. I tried to make a mortgage payment an hour amok and they have disabled once again my ability to make my mortgage payment as they are fraudulently trying to get late fees from me. This is a disservice to me as a consumer not being allowed to make a timely mortgage payment and for phh to affect my credit by saying I've been late 4 times. This is erroneous and misleading information that I believe is racially driven and fraudulent to collect undeserving late fees.
Product: Credit reporting or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been XXXX  days since I filed a XXXX demand to comply with the Credit Bureaus and still have yet to receive a response.
Product: Credit reporting or other personal consumer reports

The information being reported by your agency and the other two reporting agencies does not match up. Under the Fair Credit Reporting Act, every step must be taken to assure maximum possible accuracy and that the information is reported complete and correct. I have given this company written instructions to fix the error however they denied the inaccuracy and stated that it was " verified ''. The other two companies, XXXX and XXXX, together with the creditor have all shown that I am not late. Yet Experian is.
Product: Debt collection

Dear CFPB, I, XXXX, want to report that XXXX and Grant & Weber ( ENTITIES ) have violated my consumer protection rights and have acquired my personal, private and social security information without my authorization. I have never received any services or products from these entities. I have made NO agreements or contracts with these ENTITIES. 

These ENTITIES have created these XXXX accounts # 's XXXX, XXXX, XXXX, and XXXX without my authorization. Moreover, these ENTITIES have stolen my IDENTITY to create these accounts. 

We order my credit report on XX/XX/XXXX as my husband and I would like to buy a house. It was then that I found out that Grant & Weber and XXXX were reporting these collection accounts. See Exhibit A. 

On XX/XX/XXXX I disputed those collection accounts under FDCPA 1692g and FCRA for impermissible credit pull, as I did not know who these ENTITIES were and demanded for Grant Weber to validate the collection accounts. Please see attached the Certified Notice of Dispute Letters I sent to Grant Weber. See Exhibit B. 

On XX/XX/XXXX I received response letter from Grant Weber referencing accounts to services rendered by XXXX Hospital. See Exhibit C. 

On XX/XX/XXXX, I outreached to XXXX Hospital and spoke to XXXX at XXXX. She instructed me to Faxed Authorization and Request for All Billing Documents to fax XXXX. See Exhibit D. 

Two weeks passed and XXXX Hospital did not provide All the Billing documentations requested to prove any business relationship between XXXX Hospital and XXXX and or Grant & Weber. 
Therefore, On XX/XX/XXXX, I personally along with my Uncle and Aunt, XXXX and XXXX, went to XXXX Hospital Billing Department and spoke to XXXX directly. 

I asked XXXX what of my personal information and or documents XXXX Hospital provided to XXXX and Grant & Weber. 
We were shocked to hear from XXXX that XXXX Hospital has NEVER had any business relationship with XXXX. In addition, XXXX said that there was NOTHING XXXX Hospital could provide in writing to prove and validate any business relationship between XXXX Hospital and XXXX and Grant & Weber. 

As you can see, these ENTITIES have committed a crime by stealing my IDENTITY. If XXXX Hospital does not have a business relationship with XXXX and could NOT provide any documentation to validate any business relationship with Grant & Weber, how did these ENTITIES, get my personal information including my social security. 

Furthermore, how can these ENTITIES report these collection accounts on my credit report when the service provider, XXXX Hospital, has no business relationship and could not provide any documentation of such a relationship, if any, with these ENTITIES. 

These is Outright fraudulent collecting and outright fraudulent reporting from Grant & Weber, and in major violations to my consumer protection rights under FDCPA, FCRA and FTC. 

Therefore, I 'm demanding that these unlawful and deceitful collection accounts be removed permanently removed and deleted from all XXXX credit reporting agencies XXXX, XXXX and XXXX immediately. 


Respectfully, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im on hold as we speak, after speaking to XXXX several times regarding my disputes Due to Covid, I could not pay original credit company and I ask XXXX to make a not of My concerns and let companies know my status I ask that the old account be removed Instead my account was sold to a different credit And my past is affecting my future Please help thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and several addresses, accounts and inquiries have been fraudulently added to my credit file. here are several addresses that are a result of identity theft and need to be blocked on my credit file XXXX XXXX XXXX # XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX and the Inquiries XXXX XX/XX/2018 XXXX Card XXXX, XXXX  Card XX/XX/2018, XXXX  Card XX/XX/2018 XXXX XX/XX/2018, XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018 all of these have been listed on id theft affidavit from the FTC and a police report where it happened. these are not mine I have sent letters regarding this issue with no luck I am sending this here to make sure this matter gets the attention it needs and all of these items are blocked permanently as fraud from my file.
Product: Vehicle loan or lease

I currently have a 3 year lease with Kia Finance Company, due to the international pandemic occurring due to COVID-19, my husband was laid off of work. We are currently supporting ourselves and our child on one income as we await unemployment benefits for my husband. I called Kia to request an extension on my monthly payments and explained the situation. The representative informed me they are only offering assistance to the person holding the lease if they fully lost their job and will not lower my payment or provide me with an extension to pay. I requested to speak to a manager who was not available to speak with and was told I would receive a call back which at this time I have not received yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}
Product: Credit reporting

TransUnion removed several inquiries that were in dispute on my credit report. Well they claimed that is was during a glitch and inserted these inquiries that do n't belong to me back on my credit reports without notification. I would like all inquiries removed from my credit report at this time. There are XXXX inquiries listed on my credit file. XXXX XXXX, XXXX, XXXX XXXX I 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 These are all inquiries that were listed thank you!
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that I need to REMOVED. 
XXXX XXXX XXXX XXXX AV XXXX, WA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm victim of Identity Theft, and I've asked XXXX, Equifax and XXXX to freeze my account from XXXX XXXX XXXX  which they have not all done. I've provided all three documentation pertaining to this and they refuse to take any action. I can not do this on my own and I need help urgently!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being extorted by a third-party debt collector, they are putting an erroneous account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this Credit Reporting Agency a dispute with several accounts that were inaccurate, incomplete, and asked them to be verified and updated and got no response. The CFPB website said under the Fair Credit Reporting Act that the Credit Reporting Agencies only have 30 Days to investigate and respond to the disputes however, I have disputed these items with Equifax on more than one occasion on XX/XX/2023, XXXX, and XX/XX/2023 and they have yet to respond. How are these credit reporting agencies allowed to violate consumer rights and not comply with the Federal Law? Did the law change that credit reporting agencies no longer have to respond to disputes? It's hard enough in the current economic times to stay financially stable and then you have these credit reporting agencies allowed to report misinformation that is hurting your credit scores and your opportunity to improve your economic situation. Isn't the CFPB supposed to protect the rights of consumers and hold the credit reporting agencies in compliance? Please help me!
Product: Credit card

I signed up for an account and was assured that when spending {$10000.00} I would be grand XXXX Membership Rewards points from American Express. After the points did not post properly I called in and was assured by multiple supervisors that I would get my points. I was just informed minutes ago that these points would not post. I am a bit confused as to why I was lied to by multiple supervisors at American Express.
Product: Credit card

The late fee of {$35.00} was applied on the Sunday the XXXX XXXX  XXXX before the due date was even passed. I have been on hold for many hours with more than one representative explaining that my phone line was transfered from XXXX to XXXX XXXX XXXX which resulted in service interruption on Sunday and Monday morning.I had to go to the XXXX store to get the transfer corrected. The supervisor XXXX XXXX only said that the late fee was not possible to wave as it was waved in the passed. At this time the Amex did not even had a valid reason to place it before that due date even passed. Besides due date fell into Sunday. There is nothing I could do to get that payment in to their system sooner than the Monday anyway, which I did in full. I do not wish to do business with unfair company like this anymore as Amex policies has changed as their compony use to be accomodating to their loyal customers and I refuse to pay {$35.00} for not beeing able to submit my payment on the Sunday and submitting full payment only few hours later on the first available business day.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of idently theft. I found numerous accounts on my credt report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX XXXX XXXX were opened without my consent in XXXX. I have filed a police report and an ftc report abd submitted them both to the creditors in XX/XX/XXXX, and XX/XX/XXXX. I have also been disputing these accounts since XXXX however they continue to be " verified '' I have requested proof of ownership, original agreements and login information, however I have not received any of that information.
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. 

XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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 an 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: Checking or savings account

One XX/XX/2019 I deposited a check for {$1800.00} into my well fargo checking account. The funds became available and money withdrawn from account. One XX/XX/2019 my check account was debited {$1800.00}. Wells fargo stated it was due to the {$1800.00} check being deposited twice. I called to advise it was not. I spoke with someone in the online deposit department of wells fargo and was told to contact the payor ( XXXX XXXX XXXX ). I was told the funds were sent back to the payor and they would need to issue another check. I knew this was incorrect but did as instructed. The issuer told me the money was taken from their ( Wells fargo ) account in XXXX and nothing was returned. I called wells fargo back and the issue was escalated to executive office. I explained to the representative that the error happened because of an unsuccessful mobile deposit into my XXXX XXXX account. I even offered to send the letter from XXXX XXXX showing the deposit was unsuccessful. I was told the issue would have to be handled by XXXX XXXX because the check was deposited in a branch ( untrue ). This is untrue because i still have the check in my posession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my credit report. I have tried to resolve the issues with the credit reporting agencies and they refuse to remove it. The fraudulent inquiries are with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX These are just a few of the times I disputed this account and things were removed and placed back on the report
Product: Mortgage

BSI Financial Services assume my home mortgage on XXXX XXXX from XXXX and held it until XXXX XXXX when they have transferred it to XXXX. I recently discovered that BSI debated my escrow account with BSI about {$2200.00}, on top of the money requires for paying the property tax. Upon my inquiry BSI informed me that it placed force property insurance on my property. My property at that time, always, and as of this time, was and is insured through the Home Owners Association. This information was provided to BSI by XXXX with the transferred mortgage papers. In addition, per BSI request, I had the insurance company, XXXX XXXX XXXX XXXX, providing BSI directly with CERTIFICATE OF PROPERTY INSURANCE. I have verified that the proof of insurance was sent by the insurance company and was received by BSI. BSI never informed me that they intend to charge me with any insurance. BSI 's monthly statement never showed such a deduction. BSI have not changed my billing to show any additional charges let alone insurance charges. They kept charging my escrow account keeping this information hidden from me on your BSI internal books never notifying me or alerting me in any way. Never asking me for a payment to cover the ever increasing negative balance in the escrow account. 
I have attempted to resolve this problem with BSI to no avail. I need BSI to return the money, {$2200.00}, they have improperly taken out of my escrow account.
Product: Credit card or prepaid card

There was a duplicate refund issued by XXXX, but later XXXX said they fixed it, but now my prepaid Visa gift card issued by US Bank is still unusable.
Product: Debt collection

I had told Nissan Motor Acceptance in the middle of XXXX that the company that I was working for might close down or I might be starting a new position and that my car payments would potentially be late so I had told the representative that and they assured me I would not continue to get calls after that I have received 8 calls in one day 10 calls in one day six calls in one day as well as repeated voicemails in the same day that  there was nobody 's voice on it and I've told them to stop calling me I understand I owe it and it always gets paid and they didn't really seem to care I ask for their corporate number I got the corporate number and I just want them to stop calling me repeatedly because they are violating the fdcpa with abusive phone calls. I constantly hear my phone go off from several numbers linked to nissan throughout my work day. Its very distracting
Product: Student loan

I attend XXXX college in XXXX, AL, which GC services has contacted me about several XXXX XXXX loans that was taken out for XXXX College, in XXXX AL. I called XXXX XXXX to resolve this issue several times, every time I speak to someone they advise me to do something different. Each time I did what they ask and got me know where. I was told to contact the XXXX college and asked for Verification as well a financial transcript. The school has no idea what I am talking about and advised me to contact XXXX again.
Product: Debt collection

I moved into a house from a apartment, I canceled my lease and paid all fees before turning in my keys. The apt manger advised me nothing else was owed when I paid them in full the day I left. I received a letter from Hunter and Warfield stating I owed them close to {$600.00}. I stated I owed them nothing and to please not contact me again. They have repeatedly called me and my wife. My wife was a financial party to contact.
Product: Credit reporting or other personal consumer reports

I filed a dispute for XXXX XXXX Account XXXX XXXX due to the account being settled, Bank XXXXXXXX XXXX  Account XXXX XXXX due to the account being closed, XXXX Account Number XXXX due to the account being settled, XXXX Account Number XXXX stating the amounts other than the balance/ or past past due are incorrect. Also requested the removal of XXXX XXXX Account Number XXXX and Account Number XXXX due to inaccurate reporting information of balances and these creditors do not belong to me. 
I requested that all incorrect addresses be removed from file. These addresses are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX as I do not live there. 
XXXX. XXXX XXXX XXXX as I do not live there. 
I requested that the erroneous spelling of my name be removed. 
XXXX. XXXX XXXX Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against Experian. They alleged Experian of accepting unreliable information, failure to notify consumer dispute results. This is completely my situation. Experian has not attempted to remove or correct this information. I'm requesting this derogatory remark be removed immediately as it is greatly impacting my chances of buying a new car. Experian violates my rights as a consumer, as well as federal laws.