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

My account with EQUIFAX XXXX XXXX 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. 


EQUIFAX 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 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. 

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX Home Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX Date of Inquiry : XX/XX/XXXX 15 U.S.C 1681 Section 602 A. States any consumer has 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 prior consumer 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have 5 separate transactions on my chime account that were not authorized on XX/XX/2023. The amounts were XXXX and XXXX. I started the dispute with them and they said they cant do anything until the charges clear. That makes sense totally fine with that. Today the charges cleared but they cant start the dispute because the dispute department hasnt updated it as cleared, is what I was told. One lady told me its a glitch and totally normal. I shouldnt have to call the bank and tell them that my fraudulent charges have cleared and to please start the process, which they still havent started yet. It is issue # XXXX
Product: Credit card or prepaid card

American Express lowered my credit limit from {$10000.00} to {$5500.00} without warning or reason XXXX day before my payment due date in the midst of a global pandemic. I have never made a late payment or missed a payment. I had no intention of requesting forbearance on upcoming payments. Currently my balance is very near the new limit imposed as I am using this card for emergency purchases to have cash on hand. AMEX 's decision to suddenly drop my credit limit by half has negatively affected my credit report. I have attempted to contact AMEX directly repeatedly and have been disconnected by their representatives every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I tried to use my card at a XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, GA on XX/XX/XXXX, XXXX {$46.00} XXXX XXXX - {$31.00} I put the card in my XXXX wallet and it didn't take either time AND I HAD ENOUGH ON MY CARD TO COVER THE PURCHASE. I've never had this problem with Amex gift cards before. I called the XXXX number and they read from a script about added security and use at online stores which brings me to I tried to use it at XXXX for {$10.00} on XXXX XXXX and it wouldn't take it.I was depending on that money.
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Secti
on 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: Debt collection

I just pulled my credit files and learned that XXXX XXXX XXXX  is reporting fraudlent information on my files. This is not my debt and i have never received any notice or demand for payment from this company.
Product: Mortgage

I had ( have? ) a Home equity account with PNC. In XX/XX/XXXX they changed their accounting technology and my life for the worse. I tried to head off these problems by simply paying off loan in XX/XX/XXXX, but i can not get them to stop billing me due to their errors! to date I have 22 bills, pieces of correspondence, and documented phone calls, some with confirmation numbers and PNC seems to be a cancer I can't get rid of. 
XX/XX/XXXX notice of new technology XX/XX/XXXX Normal bill for interest {$200.00} promptly paid as always. 
XX/XX/XXXX Newly formatted bill arrives for {$310.00}. Unable to reach customer service for hours. Paid the bill. 
Afterwards-bill arrived for {$220.00} for same period of time XX/XX/XXXX Bill for {$230.00} XX/XX/XXXX Phone connection to XXXX XXXX. New system is causing errors. I decide to merely pay off my balance and give him my bank info.XXXX # XXXX. Tells me to send a letter closing my line of credit, which I do XXXX written confirmation of my letter. 
XXXX Bill for XXXX XXXX Phone XXXX says my balance is XXXX. XXXX XXXX gets involved.Gets escalated to XXXX XXXX who reviews previous transactions, discovered that they had not gotten the money from my bank due to a typo. We conference my bank and XXXX assures me we are all set now! XXXX # XXXX XX/XX/XXXX Bill for {$83.00} XX/XX/XXXX Notice in mail that a request to correct my account has been submitted XX/XX/XXXX Phone XXXX XXXX does not take my calls nor return my messages XX/XX/XXXX Reach XXXX XXXX who repeated assures me that I can not speak to anyone higher than him. He confers with XXXX XXXX to be brought up to date. 
XX/XX/XXXX Letter from PNC that my credit has been cancelled for non payments! 
XXXX Phone XXXX XXXX. Tells me he has corrected their {$88.00} error on my account. He doubts they have affected my Credit score. When I asked if I am now at XXXX, he found that I still show a {$19.00} balance but doesn't know why XX/XX/XXXX Phone XXXX XXXX say he got my {$19.00} balance waived XX/XX/XXXX Phone XXXX XXXX says my balance is finally XXXX! All is well and fixed, I will soon receive my paperwork that the account is paid off as of XX/XX/XXXX! 
XX/XX/XXXX Bill for {$84.00}. statement includes misapplication reversals for the principal payoffs. 
XX/XX/XXXX Left message for XXXX XXXX XX/XX/XXXX Bill for {$0.00} and a new balance of {$65.00}
Product: Credit reporting or other personal consumer reports

The false information that is still on my XXXX credit report needs to be removed. It was removed from XXXX XXXX by my dispute and I also filed numerous disputes with XXXX and they will not remove the info from XXXX BUT removed it from XXXX XXXX. They could not validate the debt was mine. This has been going on for over XXXX  years and I need all credit reporting agencies to have this invalid information deleted off my report. 
The XXXX report has duplicated collection accounts. Please keep in mind they were ordered to remove from XXXX XXXX and have not removed this bogus information from XXXX like I originally requested.
Product: Checking or savings account

On XX/XX/XXXX or XX/XX/2022, a check made out to " XXXX, XXXX XXXX XXXX '' in the amount of {$6800.00} from our CHASE checking account was stolen in the mail. On XX/XX/2022, it was fraudulently endorsed and deposited through mobile app into a XXXX XXXX account. In hearing from the University that they did not receive our check, I discovered in my electronic records that the check had been cashed and funds removed from my account for the full amount. The endorsement at the back of the check was a squiggly line. In contacting CHASE on XX/XX/XXXX, we began the investigation and submitted all paperwork including a completed affidavit/declaration. We met with our local CHASE representatives and followed up. In XXXX, we heard from a representative of XXXX XXXX that our funds were suspense as CHASE had not completed all of the needed paperwork. We were told that the only appropriate process was for our bank to work with XXXX XXXX bank to rectify the situation. We were also told that XXXX XXXX was months behind with their paperwork and to expect a wait of XXXX days, later changed to 120 days. I have spoken to five to ten representatives at both banks at ever level to ask for their assistance in moving this forward. I asked for provisional credit from CHASE on numerous occasions and have been denied. I have been given no clear timelines on when to expect this to be resolved. On XX/XX/XXXX, I met with my local CHASE rep who called her colleagues who specialize in this work, and was told that we should expect the funds in 3-5 business days. I left the bank feeling that we had resolved the issue finally. It was not. No apologies or willingness to take responsibility once again. I sent a registered letter of complaint to XXXX XXXX XXXX, XXXX of CHASE ( confirmed receipt on XX/XX/XXXX ) and continue to await resolution from his team.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I called Equifax to inform them they Had not updated my file since XXXX. They informed me they had incorrect DOB and address. Had me fax over my driver license, birth certificate, and social security card. Called them again in XX/XX/XXXX, I was told they didnt have any record of it. I faxed it again. Few days past I called again. And they told me they couldnt read. I then get a letter they have corrected my name, DOB, social security number and address. ( Letter was mailed to my correct address ) the letter has my social security number incorrect! Even after I sent a copy of my social security card. Ive called them 3 time now and they are telling confirmation number on the letter is not good. And they still have incorrect info and they want me to send them all documents again because they do not have any record of them nor the letter they sent to me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I located a rental listing for a house for rent in XXXX. I contacted the person who listed the house, and was in continuous communication with said person over the course of a XXXX discussing rental fees, deposits and rent. I sent an application fee of {$50.00} via XXXX on XX/XX/XXXX, along with my credit scores. Upon learning I was approved to rent this property, I was asked to sign a lease and to send {$500.00} via XXXX, and {$500.00} via Chime Bank in app Pay Anyone feature, totaling {$1000.00}. I sent the signed lease and deposit and was told the keys to the property would be sent via XXXX once XXXX XXXX rent was paid. On XX/XX/XXXX, I sent the XXXX XXXX XXXX rent via Chime Bank in app Pay Anyone feature totaling {$1000.00}. After sending the money, I was made aware that the person I was in contact with was not the owner of the property, and the property was under contract for sale and not for rent. I tried to contact the person I was emailing with, and all accounts associated with said person were XXXX, and I was unable to get my money back. I then spoke with a colleague, who advised that the XXXX XXXX '' who drafted the lease, was not in fact a XXXX XXXX XXXX XXXX. I contacted my bank, who advised that there was nothing they could do as I technically sent the money to the correct user.
Product: Credit reporting or other personal consumer reports

On my experian credit report theirs is XXXX negative item that's a collection account called credit collection this negative item supposed to be removed from my experian credit report filed a federal trade commission identity theft report on file also their XXXX hard credit inquiries on my report those inquiries supposed to be removed from my experian credit report and regarding XXXX Credit report there's XXXX negative item that's XXXX  days late its a fraud account
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX, XXXX XXXX, and TD Bank USA Target. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is TD Bank USA Target Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Debt collection

Did not return information within five days of letter requesting information. 
As per FDCPA 809. They need to be fined and debt collection null and void.
Product: Credit reporting

Hi, I have used Equifax complete premier plan for 7 years. According to their customer service rep, the {$9.00} is a " special '' price can only be good for 12 months. So I have to call every 12 months and ask them to honor this " special '' price for 12 more months. I noticed XX/XX/XXXX and XX/XX/2016 they were charging me {$19.00} on my credit card, I called Equifax to dispute and was told they would give me {$16.00} credit and would extend the special price for another 12 months. However, XX/XX/XXXX they charged me twice - {$19.00} again AND {$9.00}. I called Equifax again and spoke to XXXX ( cancellation dept ) and his supervisor XXXX, they both gave me the run around and said {$16.00} was actually a credit for XX/XX/XXXX, which is different from what the previous agent said. They basically refused to refund the {$19.00} they double charged me XX/XX/XXXX. To me that is bait and switch and dishonest practice. I am just shocked that a reputable company such as Equifax would hire inexperienced and unprofessional folks to handle customer service and disrespect their loyal customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is listed on my XXXX XXXX, Equifax and XXXX credit report and is fraudulent and unauthorized, and I did n't apply for the XXXX credit card account. The account do n't belong to me. It 's a fraudulent account.
Product: Checking or savings account

Description of the Incident : Over the course of the past year, unauthorized transactions were detected on an XXXX account associated with our business. This was discovered during a quarterly audit, where it became evident that these transactions blended with our legitimate XXXX activity, making them initially challenging to detect. 

Dates and Amounts : The exact unauthorized transactions spanned the duration of the last year. Specific dates and amounts were not mentioned, but the frequency of these transactions increased noticeably over time. 

Actions Taken : Upon realizing the anomaly, we liaised with XXXX customer service for clarification. XXXX then confirmed the existence of a fraudulent secondary account created under our identity. They provided us with a REFERENCE number : ticket number XXXX and acknowledged the issue. 

Subsequently, we raised the matter with Bank of America ( BOFA ) by filing a claim ( Claim # XXXX ). Despite presenting the evidence, BOFA declined the claim. The bank 's reasons for denial seem to revolve around the extended duration of the unauthorized transactions. We suspect an oversight on BOFA 's part, as a representative may have misfiled and misunderstood the scope of the fraudulent transactions. 

Current Status : We are in a precarious financial situation due to the Covid pandemic, trying to manage SBA loan repayments. With BOFA being an SBA partner, their lack of support during this ordeal has exacerbated our financial woes, pushing our business closer to bankruptcy. 

Request : We seek a thorough investigation and resolution from both XXXX and BOFA, hoping for a refund of all unauthorized funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have car loan with Fifth third bank. My account number is XXXX. My XXXX is XXXX. My address is XXXX XXXX XXXX XXXX CA XXXX I have auto payment with this bank and I keep money in my account for car payment but they didnt charged payment from my account and posted late payment on my credit report its hurts my credit score so badly. I didnt notice earlier because I was being busy in my wedding I was married in XX/XX/XXXX. And now Im planning to extend my business but because of my credit score Im not able to do nothing. I have trucking business and because of Fifth Third bank they messed up everything. If I will not get my credit score back I have to wait until year to be a good credit. I send them email They didnt replied me and then I call them and explain what they did and they said they cant able to do nothing and I dont have a auto payment. If you want you guys check my credit history I never had any late payment. Please help me to fix my credit. I will very thankful of you guys.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights! Also i was never late on any of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Money transfer, virtual currency, or money service

I had an accident and my insurance company XXXX XXXX XXXX XXXX ) sent me a check for the damages so I can repair my vehicle. On XX/XX/year> I went at XXXX on XXXX XXXX in XXXX, CT so I can cash out a check {$1200.00}. The reference of the receipt # XXXX. However Certegy did not authorize XXXX to cash out the check. So I asked Certegy for my consumer disclosure report and they sent me a copy. But when I looked, I didnt see anything that would prevent me from cashing out the check. So I called the customer support certegy who provided me the consumer disclosure to explain why they didnt allow me to cash out the check. The customer support said that there is no anything negative on my consumer disclosure report that I can try at a different location. 
I went at a different XXXX located in XXXX, CT to out a check {$480.00} and reference number # XXXX. Certegy did not authorize XXXX to Cash out too. 
1-I am wondering why Certegy didnt authorize to cash out the checks? 
2-I did not see any negative on the disclosure report and the customer support I spoke with said that I can cash at a different location but Why Certegy has rules but chose not to apply the same way for everyone? 
I have attached the receipts from XXXX and a consumer disclosure copy.