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

My account with XXXX 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 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: Money transfer, virtual currency, or money service

i am filing a claim against cash app ( block inc ) due to inadequate customer service and unfair practices which violate the customer finical protection act specifically cash app failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected further more their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. these actions have caused significant inconvenience and financial loss i seek appreciate redress for these violations!
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX - XXXX XXXX. XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}.
Product: Consumer Loan

Numerous automated calls - up to 5 per day - when I answer, they hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received XXXX credit alerts on XX/XX/XXXX from XXXX XXXX XXXX and XXXX. Both indicated that they had received a new inquiry on my credit report. They fraudulently used my full name, address for application to Bank of America for XXXX XXXX XXXX. 

I have since contacted XXXX and Bank of America. I spoke to personnel at XXXX XXXX XXXX and XXXX, instituted a security freeze with XXXX. I also spoke to Bank of America personnel who indicated they would terminate the application. 

Your assistance with this issue is greatly appreciated. 

Regards, XXXX
Product: Student loan

Hi CFPB staff, My student loans are being serviced by EdFinancial. On XX/XX/2023, I received an email from them informing me that on XX/XX/2023, they would begin moving my loan to a new student loan servicing system for the purposes of better serving me, and that two weeks after the transfer begins, I will need to register for a new account online to access my loans. Then, as of XX/XX/2023, they sent an updated email stating that there was a slight change in the original transfer date of XX/XX/2023, and that my loans would be transferred at a later date. On XX/XX/2023, I received an updated email from them stating that effective XX/XX/2023, they would begin moving my loan to a new student loan servicing system to, once again, better serve me, and, once again, that XXXX weeks after the transfer begins, I will need to register for a new account online to access my loans. Finally, on XX/XX/2023, I received an email stating that there has been a slight delay in the original estimated transfer date of my loans to the new servicing system, and that Edfinancial is working to ensure my information is transferred over as quickly as possible. 

It is now XX/XX/2023, over two weeks after EdFinancial 's last correspondence regarding the status of my account, and almost 3 months to the date of their first email. As you know, student loan interest begins accruing again on XX/XX/XXXX, now a week away, and I have not heard any updates from EdFinancial regarding the status of my account. When I access my old account on EdFinancial, the records are not accurate as it shows I have no loan balance and does not include any history of my prior payments. I have tried calling EdFinancial during working business hours, but am met with long hold times of over XXXX minutes. There are numerous threads on websites such as Reddit.com of other student loan borrowers in the same position due to EdFinancial 's lack of communication and transparency. 

I am writing this complaint because I am worried that, given student loan interest begins accruing in one week, and given EdFinancial 's previous statements that I would need to wait two weeks after the account transfer to make a new account, that when I receive a new account with EdFinancial, I will be unable to access my loan accounts and submit payments to my loans before the interest begins accruing. I am worried that due to EdFinancial 's lack of adequate communication, myself and other student loan borrowers will be adversely affected when the XX/XX/XXXX deadline arrives. It is absolutely unacceptable for a company that holds our student loans to have done this migration to a new system, technical difficulties abound, right before student loan payments were to resume- they've had three years! 

If needed, I am happy to provide copies of all correspondence as well. 

Any help would be greatly appreciated. Thank You.
Product: Credit card or prepaid card

I called them, They say it was some internal issue with their system that is not my problem they have violated the terms of service in my opinion if I cant used the card then what the point I have had multiple fail transactions this month with embarrassment in front of coworker, family and friends it's not fair I pay on time each month why cant they
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to REMOVE these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

I was paying Lexington Law to fix my credit and they was overcharging and I want to be compensated for this matter. I heard that they had a lawsuit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft since at least  XXXX / XXXX /  XXXX  . I filed an initial fraud alert with  XXXX  and they forwarded it to TransUnion and  XXXX . I received confirmations from  XXXX  ( dated  XXXX / XXXX / XXXX  ) and Trans Union ( da ted  XXXX / XXXX /  XXXX   ).     Per best practices, I need to review all  XXXX  credit reports for fraudulent activity to correct it as well as to inform the investigating police agency ( The   XXXX   XXXX    [   XXXX   XXXX   XXXX   ] Police Department )   XXXX    's i nformation notes " An initial fraud alert entitles you to a copy of all the information in your file at each of the  XXXX  nationwide agencies ... ''.   However, I 've tried the various phone tree options on each of the phone numbers given in the confirmatio ns (   XXXX ,  XXXX ,  XXXX  ) as well as that of   XXXX   XXXX   XXXX   (  XXXX  ).     No matter which combination I tried, I ended up in the automated phone system to request the standard credit report. Even when I pursued this option it failed because it could not  confirm my identity. In another case, because the system hung up on -- selling me -- my credit score a nd would not go on. At no point was I given an option to speak to a human being.     I was repeated referred to  XXXX  and finally tried that. There was no option to request the extra credit report that I am hypothetically entitled to as a victim of identity theft. My attempt to order my transunion credit report failed because I had already requested it once it the last year. My attempt ( on   XXXX   ) to order a second report (  XXXX  I believe ) failed because my eyes are no longer good enough to pass most Ca ptchas particularly those with ragged text on multi-colored backgrounds and those asking one to click on the pictures that have X ( cars, traffic signs, boats ) in th em.
Product: Money transfer, virtual currency, or money service

I accidently sent money to wrong person via Zelle amd did not receive a refund
Product: Credit reporting

Transunion removed all my inquiries and then added them right back without 5 days notice which is the law on putting items removed back on the report. Also removed my negative accounts and collections then added them back also without the 5 days prior notice. With this being done it dropped my score significantly. I 'm not the only one this has happen to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Product: Credit reporting or other personal consumer reports

Given my consistent track record of punctual payments on this account, it is unfair to have this inaccurate notation. I request an immediate adjustment to my account to accurately reflect the true history of my payments.
Product: Credit reporting or other personal consumer reports

disputed this account as a result of idenity theft as i was part of the XXXX XXXX breach they have failed to provide me with the deleteing of this account and or required by law how and what process was used to verifiy account XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is a subsidiary or a partner with Equifax. and reporting false or fraudulent or misrepresented information to Equifax regarding any bankruptcy that I did not file or consider. I'm frying. to find out the root of where this information is coming from without any help from Equifax or XXXX XXXX, I would appreciate any help in the matter.
Product: Mortgage

I 'm building a new home XXXX. We have had little issues here and there since day one. A major issue we are having is with the lending company that XXXX uses. There has been several discrepancies to the point where we decide to seek out our own lender to get a better rate. When we spoke with the seller at XXXX he said if we did n't use their title company they would n't pay our closing costs as promised, so we agreed to use the title company along with our chosen lender. We are now days away from closing and they are backing out of their agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are continuing to report past due payments that are too old to be reported. The continue to past due payments for student loans that are older than 7 years. Per the Fair credit report act, Remove negative information seven years after the date of first delinquency. This is not being done. Equifax and XXXX are continuing to report past due payments for several close XXXX XXXX accounts that are older than seven years. I have disputed this multiple times yet Equifax and XXXX continue to report out of date past due payment history.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2021, my Coinbase/CoinbasePro account was compromised during an attempted transaction. Coinbase/CoinbasePro is an online platform for the purchase, sale, and trading of crypto currencies. On that particular day my intention was to purchase a crypto currency. XXXX were propagated with the intended coin purchase, a request for a 'market ' buy, and a value for US dollars in my account for this purchase. I entered {$10000.00} USD and selcted 'buy. ' There was never any record of the transaction. My cash balance was immediately debited {$10000.00} USD!!! I never saw a 'transaction ID ' or any record whatsoever from the attemtpted transaction.

During the past year I have written to Coinbase support 14 times asking for assistance and all I get in responce are computer generated letters asking repeatedly for details which never existed ( order #, transaction #, etc. ). Coinbase robbed me of {$10000.00} USD.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$430.00} ; XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXXXXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$89.00} ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Mortgage

In the Summer of XXXX did a recast on our mortgage for {$20000.00}. We did it over the phone and the man told us to wire them {$20000.00} to a specific account and then in around 3 months it would appear on our account. Obviously this seemed a little fishy to me, so I questioned why it would take so long and why we need to include the {$250.00} in that amount instead of as a separate payment. He assured us that it was quite normal and that it was how they did a recast. We specifically made sure to note several times we wanted that the {$20000.00} amount on principle and nothing to be used as our monthly payment. He agreed that it would be used in that manner. So, we went ahead and transferred the money and then on XX/XX/XXXX it was processed except now it said it was {$19000.00}, not {$20000.00}! This really upset us since we were adamant that the {$20000.00} would be put on our principal. They instead took out our monthly mortgage/escrow payment out of that {$20000.00}. My husband called and begged them to make this right and that we would once again send in the difference just so that {$20000.00} would be put on our principal. So, we did have to pay the mortgage twice that month to make up for their error. Then a new problem arose immediately where from the beginning of giving them that {$20000.00}. Our online account chronically said we owed the {$250.00} recast fee. My husband asked about this numerous times and was always told that it was an error or a glitch and that they had on record that we paid that fee, so we should ignore that. As of XX/XX/XXXX, we just received an email telling us we owe them {$250.00} because we never paid that fee. I am livid because we have had nothing but issues over this whole situation and now they are demanding more money. There has been nothing but problems since the beginning of our loan. This is so unprofessional and irresponsible! They are always expecting us to fix the errors they make and we feel very used as a result of sending more money. I do not see how this is our fault since we did so many follow-ups and they always confirmed it was paid.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$0.00} l XXXX XXXXXXXX XXXX Balanced : {$140.00} XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$430.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$26000.00}
Product: Debt collection

National Credit Systems, a registered Collections Agency is attempting to collect on an alleged debt of {$4500.00}. The alleged debt originated from the property Agave Courtyard Apartments. This alleged debt is not owed because Texas XXXX XXXX satisfied any owed balance. In addition to Texas XXXX XXXX assistance, I was on a month to month with XXXX XXXX XXXX  and not in any legally binding lease agreement with them, and the balance owed to them was paid down to a zero balance. A proper investigation with Texas XXXX XXXX will reveal that XXXX XXXX XXXX  received payment on my behalf to satisfy any past due balance owed at the time. So therefore not only is XXXX XXXX XXXX attempting to damage my credit profile due to monies they have already received from myself and Texas XXXX XXXX, National Credit Systems is reporting erroneous information on my credit profiles to the credit reporting agencies that is inaccurate. And according to 15 U.S. Code 1681s2, it is my right as a consumer to make sure that all the information listed on my credit profiles is being reported accurately. It explicitly states that 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. A person is defined as any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. and per 15 U.S. Code 1681s2, the only entity that can validate the accuracy is the consumer. So I the consumer am notifying National Credit Systems Inc, that the information they are reporting, is inaccurate and therefore should cease reporting this inaccurate information, and cease all collections activities.
Product: Credit card or prepaid card

Hello, I have received letter from Spark Business capital one credit card issued XX/XX/2019 on stating " your account is being closed because the charges you typically make are high-cost transactions for capital one '' and Account closure date is XX/XX/2019. 

Basically, I didn't do anything wrong like late payments, over charged, any fraud. But there reason doesn't match with letter that they sent to me. 

When i talked with Capital One - They said they are not making money with wholesale vendors ( Like Costco, XXXX ) and unable to give cashback with large transaction so they are closing account. But what about person lost hard earn credit points while applying credit card. Even they do marketing with " Unlimited 2 % cash back on every purchase with no minimums or expiration date '' and Now they are doing fraud with customers using persons credit points ( when you apply credit card ) and Giving wrong information to customer with marketing. Also they are sending offers through marketing mail using Reservation/Access code. 

Another thing, If you ( Capital One Spark Business ) unable to give cash back or not making money from your vendor then why you making fraud to world ( Customer, Businesses, Organisations, etc ). Why customer have to face this??? 

And what about my history data? Did they steal my information since we will not doing business with capital one anymore using this fraud. 

So Please take action on this.