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

My account with 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 those account 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  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

I have sent several disputes to XXXX about a charge off / collection account on my credit being reported a past due amount of {$1400.00}. As you are aware a charge off account should not have a past due amount and therefore the credit bureau has failed to properly verify this account. I have requested several times for them to correct this issue and they respond by saying it has been verified and updated. Can XXXX verify who they spoke to in order to verify this debt? Can they provide a signed written contract? it is also reporting every month as charged off which updates the account.
Product: Credit reporting or other personal consumer reports

I want XXXX XXXX, Early Warning Services and XXXX to add and report the following personal information on my XXXX XXXX, Early Warning Services and XXXX XXXX XXXX and consumer report : Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXXXXXX XXXX : XXXX, Minnesota State ID Card Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Home Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, Cell Phone Number : ( XXXX ) XXXX, Employer : XXXX XXXX XXXX Employer Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX, Employer Phone Number : ( XXXX ) XXXX, Employer Start Date : XX/XX/XXXX, Employer End Date : Present, Annual Income : {$85000.00} to {$150000.00}
Product: Credit card or prepaid card

this has been going on for abo ut 2 mths with captial one they dont  care are they treat you on my credit report ga power that dispute. there is no delq on my acct .it has been update
Product: Debt collection

Honda has violated my rights, pursuant to truth and lending.

Honda never provided a notice of recision, the finance charges were incorrect, and they failed to give full disclosure.
Product: Money transfer, virtual currency, or money service

Boa keeps denying my claim.// Money was sent via XXXX I didn't authorize the transactions// this company refuses to explain to me the details of the documents they used to investigate my claim -- > please view the cfpb response I submitted to boa // XXXX XXXX a boa resolution XXXX had stated I could receive my money back if I submitted proof// XXXX XXXX did not specify exactly what document would prove this XXXX >> boa has failed to specify exactly what type of documents they need -- > I already provided them with a police report -- > it proves my cellphone was lost during the time the XXXX transactions were sent -- > this company had told me that I needed to submit an affadavit to get a refund -- > I submitted it-+> boa then told me I needed to do a police report -- > I did a police report with the XXXX -- > boa told me that wasn't good enough -- XXXX I submitted a police report with the XXXX XXXX police department /// my claim was Openened and closed last year without my knowledge -- -> I want the documents stating how many times it was opened and closed and why wasn't i notiffed every single time -- > boa has failed to review AND READ every single document I have gave them this includes everytime I contacted them via XXXX, XXXX XXXX, VIA EMAIL, VIA THE CFPB, and via phone\\\boa advertises XXXX as an easy convenient way to send money, but they don't warn customers how dangerous it is>>>boa. Associates encourage customers and are very pushy for customers to get the. Boa app, but they don't warn us about the negative effects -- > they don't tell us how the app will take over your cellphone -- > the. App can control everything>>>when you download the app it's in the agreement, but the agreement is very long and has a lot of jargon// I had submitted a complaint because this company stopped sending me surveys last year after I submitted a negative survey... XXXXXXXX XXXX stated they found nothing wrong, because they only send ccustomers surveys every 30 days, that information is false. -- XXXX I will attach screenshots of the boa surveys I used to receive : the screenshots I attached will prove I received surveys more than once a month -- -> this proves BOA failed to actually take my complaint serious and failed to actually review the details///// I also want to mention, that last year BOA agents would put me on hold for a long time on purpose, after I began calling them frequently, because I had questions about the claim -- -> in the beginning the wait time was appropriate XXXX, but then it turn into XXXX mins after I began calling frequently -- XXXX i know they were making me wait longer, than usual, because when I borrowed my significant others cell phone to call they answered in less than XXXX mins ( ( ( I was still on hold with BOA with my cellphone ) ) ) -- >> I have this proof, but I can't upload it, because the file is ''to big '' -- >>
Product: Credit reporting or other personal consumer reports

Multiple inquiries are on my report that I do not recognize or authorize. The inquiries does not belong to me Personify- XX/XX/XXXX Personify- XX/XX/XXXX Informative Research- XX/XX/XXXX Informative Research- XX/XX/XXXX XXXX
Product: Debt collection

In XXXX  they garnish my check for XXXX plus dollars as I was working at XXXX and didnt tell me why and threatened to affect my credit and did. Another credit account popped up stating I owe XXXX and Im asking how and they wont tell me how I owe them.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a playset from Lowes.com. I was told when I called their customer service line that I could arrange the playset to be put together by our Local Lowe 's store. This turned out not to be true, no local store had anyone who could put playsets together. 
I called Lowe 's credit card service on XX/XX/XXXX and told them I wanted to cancel the order due to no one being able to put it together. I was told it would be cancelled but to call XXXX as well as it may already be on the way. I did call XXXX and was told the item would not be delivered.

The charge has remained on my Lowe 's card since XXXX, I have made several calls, talked to multiple customer service representatives, the charge has been in their " investigation '' section since XXXX. I have been told multiple times the charge would be removed " in 30 to 60 days '' Yet as of today, XX/XX/XXXX, it remains on my Lowe 's charge card, the supervisor I called today XXXX, again told me to give it another 30 to 60 days to resolve. 
I do not believe Lowe 's has any intention on investigating this charge or refunding me for a product I never received.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed several errors in billing. The late payments indicated do not correspond with my typical payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Inquiries that's on my Equifax report numerous of times but Equifax have not did anything. I have contacted the creditors and NONE of them have Proof that I authorize the below inquiries ( on the upload documents ). I repeat I HAVE CONTACTED ALL THE CREDITORS AND THEY HAVE NO PROOF I AUTHORIZED THE INQUIRIES. IF Equifax have anything with my signature on it that proofs I authorize any of the inquiries I would like to have a copy of them all. If not please delete off my credit report. The inquiries is negative impacting my credit score and stopping me from getting a mortgage.
Product: Prepaid card

I have had my us bank relia card since XX/XX/XXXX that is still at XXXX dollars. I have at least 10 approved claims since XXXX and have no been paid. I filed complaint with Michigan UIA that responded as Confirmation XXXX. Relia card contacted me in a letter dated XX/XX/XXXX with card ID # XXXX and informed me of notice that XXXX, XXXX is on the card that I do not have to use. Why? 

Please investigate. 

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

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Product: Mortgage

I'm sorry to get you involved again but PHH Mortgage has lied again. 
XXXX XXXX at XXXX XXXXXXXX XXXX says that they don't own the loan. I was told in XXXX that they did. PHH Mortgage wrote me a letter XXXX XXXX to me and said the same thing. 

PHH Mortgage sent a piece of paper to Oregon Forclosure XXXX XXXX and it stated that XXXX XXXX still owes it. All this time waste and PHH Mortgage is at Fault for not having the loan paid off not me. 

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

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer financial protection Bureau, I was tricked into " GO PAPERLESS '' on " CITI Card " web site, ( Citi Credit Card ) I did not intend to GO PAPERLESS, no Statement, no payments lead to bad credit, over a {$120.00} amount! 
obviously i paid in full immediately as soon as i found out about this i have maintained perfect credit for 30 years, this silly mistake ruined my credit, Citi card bank won't take any actions to correct the issue, on XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX based out of XXXX Utah/ XXXX  XXXX , Idaho won't report my accounts are being paid. They are garnishing my wages, but refuse to report the account as paid.
Product: Debt collection

I wasn't sure what to check in the begining of the forms but here 's what happened. i answered the phone and he said this is XXXX XXXX i'm like ok who are you with i had to ask 5 times before he identified his company name. which was portfolio recovery. This was obviosly an attempt to collect a debt and very illegal debt pratices. He kept asking numous times if i was still at a certain address before he ever identified his company and he only identified after i asked 5 times. this company needs to the hammer drooped on them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX Balance {$590.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX UNIVERSITY XXXX XXXX XXXX ( Original Creditor : ) XXXX
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unfavorable accounts, unresolved.The consumer financial protection bureau CFPB has recently filed a lawsuit against experience, alleging, systematic issues such as failing to forward, consumer provided evidence to furnishers accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes these failures Align with my experience where is Equifax has neither corrected no removed Disputed items, despite the evidence I provide causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend. The disputed accounts as XXXX action, violates federal law in my rights as a consumer.
Product: Vehicle loan or lease

Not Liable, Car Was A Lemon, Repossessed. And Auctioned!

Unfair And Illegal Interest Rate 24.99 % NYS! 

Requesting Credit Acceptance Corps To Delete and Cease To Exist Their Predatory Damaging Information On All Three Of My Credit Report 's ... XXXX, XXXX and XXXX! 

First Formost Violated My Equal Credit Opportunity Act As A Consumer. And So Far Violated NYS ... Ucc Law 9 - 610, General Business Law 349, Gen. Oblig. Law 5 - 501 ( 1 ), Banking Law 14 a ( 1 ) And NYS Lemon Law In June/2012 In need of a car for work. I walk into one of Credit Acceptance Corps car dealership XXXX XXXX XXXX XXXX in XXXX NY with {$2200.00}. The car was {$12000.00}. They said they help me finance the rest at 14 % Interest. Unaware of loans and interest and there persuasionion tactics they had me sign papers for the car. I left the Car Dealer with two documents. # 1 Document ... Retail Purchase Agreement a break down taxes, registration and sevice contract, totaling {$14000.00}. # 2 Documents was registration and inspection papers.The car was a Severely Corroded and a Mechanical Lemon ... corroded undercarriage, transmission clucking noise and hard knocking in the engine. No one would honor the service contract because of the severe mechanical issues. I contacted Credit Acceptance Corps and XXXXXXXX XXXX XXXX XXXX the car dealer about the issues with the car to no avail they suggested that im responsible to get it fixed. Four years later XXXX i got sick missed a monthly payment. Without notice Credit Acceptance Corps Repossessed the car and auctioned it without giving me notice. 
In XX/XX/XXXX i recieved a collection notce from a law firm hired by Credit Acceptance Corps to collect some balance. That collection notice came with a # 3 Document i signed but was never given to me when i first recieve the other documents when leaving with the car XXXX. That third document had the true finance break down including the interest rate they charge me with which was 24.99 %. 

Once Again And Keeping It Briefly ... Requesting Credit Acceptance Corps To Delete and Cease To Exist All Their Info On All Three Of My Credit Report 's ... XXXX, XXXX  and XXXX. 

Not Liable, Car Was Lemon, Repossessed, Auctioned ... NOT LIABLE! 

PS ... NYS Consumer Affairs, NYS Attorney General, NYS Civil Suit and NYS Criminal Law ... ( Penal Law 190.40 ) Thank You CFPB!
Product: Mortgage

In 2005 I was approached by a man by the name of XXXX XXXX, told me he was working with a team of people that wanted to help lower income families create a stable environment .for family. He said they could help me get a home. Shortly after that I met with XXXX 's business partner XXXX XXXX. They assured me that I was in good hands and they would take great care of me. At that time I was XXXX years of age just moving from XXXX to XXXX and working at the XXXX XXXX XXXX XXXX. I was very naive and needed someone I could trust, I thought, " this is what I 've been asking XXXX for! '' The two men begin taking me to see homes, they showed me three homes but were very persistent on the house on XXXX XXXX. I decided to get that one. We closed on the house and I received my keys ... days later I begin to see that the work that was completed on the house was cosmetic. Plumbing went bad and had to be replace throughout the entire home.Floors were rotted out and had to be replaced and the electric had knob and tube wiring and needed to be replaced throughout. I also needed a brand new roof and the house had no insulation. I contacted XXXX and XXXX, they promised to return and make things right but never made good on there promise. When all that occurred it made me curious so I wanted to know more about the guys that I should not have trusted. I found out that the house was actually for sale for {$23000.00} they sold the house to me for XXXX. I was beside myself and very angry. the home was foreclosed on and went to the tax sale were I was able to purchase it for the taxes. I own the house out right but I still have that loan on my credit, which has basically ruined numerous opportunities for me to better myself and move on in life. This loan has with out question hindered my life! XXXX # : XXXX
Product: Credit reporting or other personal consumer reports

REMOVE ALL LATE PAYMENTS FROM XXXX XXXXXXXX 2 CREDIT CARDS AND 1 LOAN 1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act. In general, this provision requires a furnisher to report the credit obligation or account as current during the COVID-19 pandemic, unless the account was delinquent before the accommodation. F ) Reporting information during the COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX 2019 ( COVID19 ) pandemic during the covered period.In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. XXXX5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can furnish an account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

A debt collector from XXXX contacted my husband and shared with him that he was attempting to collect a debt. Told him the amount of the debt. The call took place on Wednesday XXXX XXXX 2017 around XXXX XXXX EST. The debt collector never verified who it was that they were speaking with - never asked my husband to verify that he was myself. The debt collector just offered up my personal information.