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

My account with XXXX XXXX XXXX {$3700.00} XXXX XXXXXXXX XXXX XXXX XXXX {$910.00} was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60-90 days 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 XXXX {$3700.00} XXXX  XXXX XXXX XXXX XXXX {$910.00} 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

On XX/XX/XXXX at XXXX XXXX, a representative from XXXX XXXX XXXX signed for a certified letter containing a dispute for a collection account they are reporting on my credit reports ( XXXX, XXXX, and XXXX ). On XX/XX/XXXX, they sent back a letter attempting to verify, but did not send any verification documents. I also sent another letter requesting verification, in which an individual signed for on XX/XX/XXXX at XXXX XXXX. They did not respond to the letter and they also did NOT mark the account as disputed within 30 days as required by law. They have not followed the guidance required by law per the FCRA and the collection need to be deleted from ALL of my credit reports.
Product: Credit reporting

This company, XXXX XXXX XXXX, filed a small claims lawsuit against me for money owed to them, and won a judgment. They then hired someone, XXXX XXXX XXXX, to collect this for them. I have the written agreement between XXXX and me, the paid receipt from XXXX, copies of my cleared checks front and back. XXXX was to have XXXX XXXX file a satisfaction of judgment upon receipt of payment, and remove the items from my credit report. To date, this item is still reflected open on my Experian and XXXX credit reports, and no satisfaction of judgment has been filed with the court. I can not seem to get this updated anywhere. I have filed disputes with XXXX and XXXX, sent both of those credit reporting agencies, copies of the agreement, the paid receipt and front and back copies of my cleared checks, and all they do is ask the courthouse if this item is still open and then they tell me that they have verified the debt and it is still open. Which is what the court would say because the satisfaction of judgment has never been filed. I need these items removed from my XXXX and XXXX credit reports, as they have been paid and satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX at Equifax on XX/XX/XXXX about the unauthorized inquiries that appears on my credit report I request the following inquires to be delete and removed off my Equifax credit report : XXXX XXXX. as well as an unauthorized account : " XXXX XXXX XXXX " account # XXXX open on XX/XX/XXXX in the amount off XXXX. I did not authorize any of this account or this inquiry. I am requesting that the above unauthorized inquiries and account be removed immediately from my Equifax credit report due to my identity been stolen.
Product: Credit reporting or other personal consumer reports

Notice to Cease and Desist To Whom it XXXX Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/2023. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Draft Cease & Desist Letter 2 Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation Sincerely Name XXXX XXXX Enclosures : 1. Copy of Consumer Report
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX, TransUnion and XXXX for willfully violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( a ) ( 6 ) ( B ) ( iii ), which relates to the requirement that consumer reporting agencies must provide the relevant information about the results of any reinvestigation into disputed items on my credit report. I have made a written request to XXXX, TransUnion and XXXX for specific information regarding a dispute I filed under the FCRA, as outlined under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Despite my request, XXXX, TransUnion and XXXX has failed to provide the required documentation or a valid explanation within the legally mandated time frame.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I just received my investigation report back from Trans Union, File # XXXX issued on XX/XX/2023. 

I informed Trans Union that my name and ONLY name is : XXXX XXXX XXXX as proved on my Social Security Card and Drivers License attached. 

It seems Trans Union left WRONG names and Incorrect Names and Names that are not me on my credit report such as : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX all of which are not me whatsoever. Who are these people? And why are they on my credit report? and why did Trans Union not delete these names when I asked the to correct all these incorrect names? 

Please Delete ALL the incorrect names, I should have only 1 Name which is my own. 

Correct Information : Name : XXXX XXXX XXXX SS : XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX Employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please have the Wrong Information Deleted and Corrected to the above, the Wrong information is hurting myself and family from moving forward to a home. 

Thank You XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a check in the mail for {$1200.00} i was unemployed and had filed for disability..the loan i could not repay not enough income. I was taken to court and a judgement was entered. Years later i find out they put a lien on my sisters property where i live. Upon request of the payoff amount they denied information due to corporate policy.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We've had a loan with this Mortgage company for a number of years. They have setup the homeowner 's insurance and rolled it into our payments. Due to research and consulting with other providers they are grossly overcharging us annually as well as monthly on homeowner 's insurance. We are paying {$5300.00} annually resulting in an additional amount monthly of $ XXXX/month. We've reached out to the lender and regarding refinancing to get our payments down and have only reduced the total amount by $ XXXX/month. This amount is unacceptable due to the balance owed on our mortgage.
Product: Credit card or prepaid card

I applied and was approved and supplied with an XXXX XXXX XXXX XXXX card supplied through chase. I later opened up a seperate checking account with chase to take advantage of their XXXX dollar offer when adding direct deposit. A few days after opening the checking account, i was called by a chase number ( one that can easily be spoofed ) asking for personal information to " get rid of fraud ''. I was suspect and did not want to give personal information to an easily spoofed call that I was not expecting and hung up the phone thinking that it was a scam caller. I later checked the chase app and found that my online account was suspended due to potential fraud. After contacting chase for hours, I was told that my checking account would be closed within the next 10 days. I asked if my credit card was still open, and I got the response that it was. I continued using my credit card but soon realized that I could not get on the online account on the app to make payments. While I already set up auto payments, I can not check if that is still on/still working after chase suspended my account. I contacted chase to see if the payments would still work and how I could get access to my online account to make payments. They never answered me and kept transferring me. It is now near the end of the month, and while I have the ability to pay my bill, I can not. It is likely chase will try to charge me interest while also locking me out of my online account so I can not pay the bill before they charge me interest. The closing of the account also means I can not get the XXXX dollar bonus promised even if I open another account, which they were trying to pressure me into doing. Locking someone out of paying their bill and then charging them interest is probably illegal.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my finically institution and zelle failed to investigate my claim adequately They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but also allowed repeated offenders to exploit the system.
Product: Credit card or prepaid card

I was involved in a gift card scam and discover doesnt claim that its fraud. And I have an enormous bill in which Im struggling to pay off and in the meantime my interest is accruing. Its over {$10000.00} and Ive tried settling with them but the wont. I could use your help!
Product: Debt collection

I received a letter from EOS CCA Dated XX/XX/2021 I received that letter on or around XX/XX/2021. To which i responded via written letter XX/XX/2021 to XXXX XXXX XXXX, XXXX, MA XXXX  Requesting a verification of debt. 

The reason for my request for a verification of debt is 1st to establish whether or not this is in fact my debt and 2nd the details of the charges as they are alleging that I owe {$4500.00} yet they have not provided the details for the charges in question. 

How is it okay for them to send me a letter stating that I owe {$4500.00} and no explanation of charges? No date of Service? Nothing at all is on this letter ties me to this debt. The information on this letter could have easily have been obtained with a simple XXXX search or XXXX XXXX search. I don't think that I am asking a lot by requesting that they both prove this actually belongs to me and provide details of charges. 

The second reason for my complaint is that if this hospital did in fact share my information with this EOS CCA Agency this is a clear and present violation of my HIPAA Rights. I am not sure how they could provide me with the details regarding my visit with out violating my hippa rights. And yet in still I am being asked to pay an amount with XXXX proof or anything. 

Today XX/XX/2021 : I received a phone call from a XXXX XXXX from EOS CCA and he stated me me that their office does not check their PO Box which is probably why I haven't received a response to my letter. He stated to me that they do everything online and if I wanted more information I would need to go directly to their website.. This is not acceptable for me as I would like to be communicated with via written letter so that I can keep track of my communication. He also advised that this is my debt because he would not be calling me if it wasn't and this is also unacceptable as I have requested written verification and a verbal confirmation which lacks the details of these charges is not acceptable. 

If you look at the attached letter from the company there is nothing here which details my date of service or the details of the charges. 

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

In re XX/XX/2017 equifax breach. 

I understand a settlement on behalf of consumers is imminent Equifax notified me that my data had been compromised shortly after the XX/XX/2017 event ; once it was compelled to do so. I avoided their veiled self-indemnifying deal until the Feds had compelled them again NOT to make consumer response a consumer-harming event. When that happened, I felt sufficiently protected, and ordered access to my Cr data frozen.

I was NEVER subsequently notified of any class action for the actual & potential harm caused. I was NEVER notified of an opportunity to opt out of the class.

I WANT NO PART OF THIS SETTLEMENT IF IT ABSOLVES EQUIFAX FOR HARM THAT I MAY SUFFER AT ANY TIME DUE TO THEIR GROSS NEGLIGENCE. I DO NOT FEEL I SHOULD HAVE TO SPEND THE REST OF MY LIFE FREEZING & UNFREEZING MY CREDIT WHEN I NEED TO TRANSACT.

WHO SHOULD HAVE TO PAY FOR THAT FUTURE EXPENSE & INCONVENIENCE? EQUIFAX!
Product: Credit card

I signed up for an IKEA XXXX Visa Credit Card in XXXX. I used my card in XX/XX/XXXX. I had a XXXX balance on it for the rest of the year. 

I attempted to use my card in XXXX and XX/XX/XXXX. I never received any notice of my account closure and continued to receive statement summaries, including a year-end statement summary. I last received an e-mail update on my account summary on XX/XX/XXXX. 

I called Comenity Bank, the company issuing the account under a license with Visa, and was only told this information over the phone after I called. I was first told my account was going to remain open, and after I spoke with a supervisor, I was informed my account would be closed. 

Comenity Bank is a deceptive company and did not provide me notice of any account action and suspended my ability to use the card to my detriment.
Product: Mortgage

We refinanced our home with XXXX XXXX in 2020 and it was sold to AmeriHome Mortgage. We set up our monthly mortgage draft so that we would pay the specified amount to escrow each month with our mortgage payment. AmeriHome was supposed to be taking money out of escrow and paying our home insurance with it. They were taking money out of escrow but it was not being put towards our insurance. Last week, our septic broke and flooded gallons upon gallons of septic water back into our home. I contacted our insurance company to file a claim and found out that AmeriHome had not been paying our insurance company out of our escrow, so they canceled our policy and we were not covered for the damage. It took days to get a response from Amerihome and once we were able to we were told that they were " working diligently '' on a solution. Meanwhile, our family of four with small children including a baby sat in a category three disaster home. Disaster Relief couldn't start removing the toxic waste from our home because they didn't have anyone to send the bill to. They came to our home this morning to access the damage but could not start the process of removing the damage because they do not have an insurance company to bill. We are going on a week with no solution, and have been unable to contact XXXX XXXX, who is supposedly handling the issue at AmeriHome Mortgage. We are desperate for a solution but can not get the help we need.
Product: Credit reporting, credit repair services, or other personal consumer reports

My brother ssn got mixed with mine in result, countless report item that belongs to him are under my ssn
Product: Credit reporting

someone has applied for credit in my name without my permission and had has several inquiries that are not mine
Product: Credit card or prepaid card

I was charged for shipping on my Kohl 's when i should not have been charged. They agreed to reverse the charge on XX/XX/XXXX, the charge did not get removed so I called again on XX/XX/XXXX, and again on XX/XX/XXXX. On XX/XX/XXXX they said that the refund was canceled twice. I was also told on XX/XX/XXXX that I would receive an email with my refund information. The refund is only for {$9.00}. I'm not sure why I can not get my {$9.00}. I'm on my XXXX call with the Kohl 's charge company and they offered me free shipping on my next order ( i get free shipping on orders anyways ). They can not give me the number to the people that keep denying my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Debt collection

this collection sat dormant for a few years so i decided to make a reasonable offer to settle case..my offer was rejected and they countered offered me a ridiculous term which i declined. Then i noticed they started changing the amount they say i owed every month to effect my score falsely. I believe this is illegal and is retaliatory..!!
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial has reported myself as charge-off account, despite my numerous requests for negotiation and proof on the debt. This is happening during the covid19 pandemic and GM financial refuses to abide by gov't direction to work with impacted consumers.

GM Financial has reported my account 120 days late in XX/XX/2020, no prior notices or 30, 60, 90 days late process ( jumped directly to 120 days, with no notice or consumer notification to allow me time to address in correct legal fashion as per FCRA, FCCA.

GM Financial continues to violate/damage my credit standing in an attempt to force there agenda of aggressive actions, and force me to bend to there demands and tactics.

How can GM Financial continue to not follow

prescribed US govt directions during these troubled Covid19 times?? Where is the help to impacted consumers? where is the corporate humanity? 
.