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

My account with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I notice my credit had a negative reporting from this company. This debt was an older debt but they reported it as current charge off as of XXXX/XXXX/15 which isnt true. This was already sent to another agency who could validate the debt ad was removed off my credit. This is the XXXX time it has been reported. So now im being punished XXXX times for the same debt that was originally removed. Just because they purchase the debt doesnt mean they can lie and try and ruin your credit. Also i notice they do this all the time with many people.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAVE NOT VERIFIED NONE OF THE QUESTION I ASK NOR DID THEY ANSWER ANY OF MY CERTIFIED MAIL. I SENT OUT ON DATES XXXX/XXXX/XXXX NOR XX/XX/XXXX AND XXXX AND XXXX XX/XX/XXXX AND XXXX SO I GUESS EXPERIAN REFUSED AND TOLD ME IN A LETTER THAT I WILL GIVE U STATED WHEN HAVEN T DONE NO INVESTIGATION AT ALL. REASON NO ID AND NO SS CARD WAS SENT IN. I HAD TO LAUGH AT THAT I CAN RECALL EVER TIME I SEND MY LETTER IN WITH FULL COLOR ID AND SOCIAL SECURITY CARD. HERE ARE MANY LETTER THAT EXPERIAN TOLD ME IN A LETTER WHAT I SENT AND ALL MY STUFF IS DATE. 

EXPERIAN DO ALOT OF FAKE VERIFICATION PROCESS THEY NEVER PICK UP A TELEPHONE AND CALL NOBODY AND ASK THE PROPER QUESTION AT ALL. THIS IS AMAZING. 

THIS ONE ACCOUNT NAME XXXX XXXX XXXX  # XXXX SHOW AT LIST OF INACCURATE INFORMATIOM 1. DATE OPEN SAY ON EXPERIAN XXXX XXXX THATS WRONG XXXX  SHOWS DELETED XX/XX/XXXX AND EQUIFAX SHOW DELETED XX/XX/XXXX 2. EXPERIAN HIGH BALANCE SHOW {$2100.00} XXXX HIGH BALANCE SHOW DELETED AND XXXX HIGH BALANCE SHOW DELETED 3. EXPERIAN CREDIT LIMIT SHOW {$300.00} WHEN XXXX SHOW DELETED AND XXXX  SHOW DELETED .. 


I DON ; T KNOW HOW IS THIS COMPANY PUT FAKE AND UNVERIFIED ACCOUNT ON MY CREDIT REPORT EXPERIAN NEEDS TO BE FINE {$250000.00} TODAY FOR MAKE UP A ACCOUNT FOR CUSTOMERS AND SELLING MY INFORMATION TO A THIRD PARTY SITE .. BECAUSE OF EXPERIAN DATA BREACH
Product: Consumer Loan

This formal complaint is due to a various trend of data breech issues that includes myself personally and other customers of Cash America. Cash America has failed to protect the privacy of their consumer 's personal data by neglecting to remove pertinent information from electronic devices in their care and by not doing so they have put me and the entire general public who conduct business with them at risk of identity theft and ongoing data breeches in more than several areas. This currently include but are not limited to SSN, birth-dates, personal emails, credit card information, computer login passwords, traceable cookies on all electronic, devices, banking information, direct access, to personal application such as XXXX and XXXX.
Product: Student loan

I can't accurate counts. I have student loans that are to be discharged under PLSF however, they counts are incorrect.
Product: Credit card or prepaid card

I want to close my account and they will not respond l have gone on line and call and all I get is recording with no way to cancel my account. There is fraud going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing was sent to me to legally verify the past due balance reporting for this account XXXX XXXX XXXX. No. XXXX. Because the past due balance reported by Transunion, XXXX and XXXX are different, which means the account has not been properly verified legally.
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports, I noticed numerous errors ( XXXX Inquiries ) found on my credit report. These unauthorized Inquiries are causing hardship and actual damages violating section 1681b for permissible purpose and 1681c for information contained in consumer reports. XXXX, Experian, and XXXX has violated compliance procedures under 15 U.S. Code 1681e & Privacy Act of 1974 ( 5 U.S. Code 552a ). 
You XXXX, Experian, and XXXX have thirty days ( 30 ) validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In addition, urgently produce and deliver a contract between you XXXX, Experian, and XXXX and I, consumer, bearing my signature showing proof that I gave you permission to furnish any information on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. THERE WERE ITEMS THAT WERE DELETED DURING MY DISPUTE HOWEVER, THERE ARE ITEMS THAT ARE STILL SHOWING ON MY CREDIT REPORT WHICH I INCLUDED DURING MY PREVIOUS LETTERS. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS ARE DECEPTIVE PRACTICES BY THE BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once I was released from the hospital, I contacted XXXX  XXXX customer service department and explained to a XXXX XXXX representative that I had been hospitalized as a result of Covid-19, which caused my payments to late. The original amount I owed on the XXXX XXXX XX/XX/2022 statement was only {$34.00}. When I released from the hospital in XX/XX/2022 the amount owed on the XXXX XXXX credit card bill had ballooned to {$140.00} after late fees and other charges were added. 

The XXXX XXXX representative stated she could not waive all the fees but she granted a partial waiver and waived some of the fees and I paid the credit card bill in full with the representative on the phone in the amount of {$63.00} via my checking account/ACH transfer. 

I informed the representative I was concerned about XXXX XXXX reporting the late payments to my credit reports. I have decent credit and have not paid a bill late in over twenty years. The XXXX XXXX representative told me she would notate my account that had been affected by Covid -19 and in the hospital which caused the late payments. My XXXX XXXX bill had always been paid on time until I got sick with XXXX XXXXXXXX. 

Per the guidance provided by the XXXX  XXXX website and representative my account would not be reported late to the credit reporting agencies/companies because I was affected by Covid 19 and due to the federal CARES Act and Covid-19 pandemic Capital would not report a late payment. 

Unfortunately, even after all the public assurances given on the XXXX XXXXXXXX website and by the XXXX XXXXXXXX representative I spoke with, XXXX XXXXXXXX did and continues to report late payment ( s ) to the credit reporting agencies, XXXX, XXXX and Equifax. Which has and continues to negatively impacted my credit scores. 

I have attempted to reach back out to XXXX XXXX customer service and I was told there was nothing they could do to remove the late pay ( s ) from my credit reports even if it was a result of me contracting XXXX and being hospitalize. I also attempted to contact XXXX XXXX XXXX office via email but did not receive a response from XXXX XXXX via email.
Product: Payday loan, title loan, or personal loan

8 months ago I applied for a refinance of our home in excess of XXXX - took awhile but the appraisal and all was approved - 4 months ago I went to same bank and requested a Heloc of XXXX - they were running a promotion which I was assured I would qualify for. 4 months and document after documents I was assured that we qualified - no problem - XXXX credit score and 30 % or more equity. The underwriter at Zions Bank did not want us to still obtain the now expiring promo and we were told to cancel this application and reapply - why reapply- they had all the documents- so instead the underwriter wanted us to show them 5 times our home deductible- over XXXX XXXX- never asked for the XXXX refinance - this smells like XXXX- very disappointed in this finance agency - I have no issues if we can not qualify - but a run around for 4 months - a real scam
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XX/XX/2025 Dear [ Credit Reporting Agency, I am writing to formally dispute a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, which holds entities liable for negligent non-compliance with the requirements under the FCRA. It has come to my attention that [ describe the nature of the issue, e.g., inaccurate information, failure to update records, etc. ] has occurred in my credit report or file, and this represents a failure to adhere to the standards outlined under the FCRA. 

As outlined in Section 1681o, I understand that negligent non-compliance by a credit reporting agency or creditor can result in civil liability for actual damages, punitive damages, and attorneys fees. I believe that the incident described here constitutes such non-compliance. I respectfully request that you take immediate corrective action to resolve this matter by correcting the credit report, updating inaccurate information Here are the specific details of the dispute : Issue Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Documentation : Impact on Credit Report : These incorrect items i've been trying to remove while in the process of buying and home. 
I request that you respond to this dispute and resolve this issue within the timeframes prescribed by the FCRA. I expect a prompt resolution, as failure to comply with the requirements under FCRA Section 1681o may result in further legal action. 

Please contact me at XXXX or XXXX should you require any additional information or clarification. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute. 

Sincerely, XXXX XXXX
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. 

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. This company is showing up on my report as a paid collection. I've never paid this company or have a contract with them. I worked directly with the original creditor, XXXX XXXX, to re-establish my account directly with them and still have a membership with them today. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I've never given them consent to report on my credit. 

XXXX XXXX XXXX XXXX XXXX, Has reported late payments that continues to harm my credit although the debt was paid in full years ago. I did not consent to the credit bureau to report this information on my credit report. 

These companies have all violated my rights. 1 5 U.S.C. 1681 SECTION 602 A, STATES I HAVE THE RIGHT TO PRIVACY.

1 5 U.S.C. 1681 SECTION 604 A SECTION 2, STATES A C ONSUMER REPORTING AGENCY CAN NOT FURNISH AN A CCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

1 5 U.S.C. 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER R EPORTING AGENCY MAY MAKE ANY CONSUMER REPORT C ONTAINING ANY OF THE FOLLOWING ITEMS OF I N FORMATION : ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS AND CRIMES WHICH ANTEDATES THE REPORT BY 7 YEARS.

1 5 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY I N FORMATION RELATING TO A CONSUMER TO ANY CONSUMER R EPORTING AGENCY IF THE PERSON KNOWS OR HAS R EASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS I N ACCURATE
Product: Money transfer, virtual currency, or money service

XX/XX/2022 Wellsfargo issued mail stating their reseach had been completed on my case ( # XXXX ) for unauthorized transfers of {$5700.00} and {$5700.00} on XX/XX/2022 stating " we're pleased to let you know the wire transfer was canceled, and there was no impact on your account, please consider inquiry closed. I was also issued a new debit card. Wellfargo issued another piece of mail stating me account statement which is is $ XXXX, with no funds returned. I called a agent and was told they I will not get my {$5500.00} because the account has no funds.
Product: Credit reporting

Regarding account XXXX reported by XXXX XXXX XXXX to the credit bureau, Experian. I do not owe any debt, nor do I have any contracts to debt with this agency. This collections agency has not responded to requests to provide validation on the reported account and sends mail back as " Return To Sender ''. No correspondence has come from them, and they have made no claims to justify their right to pursue this account. Requests for investigation and disputes to Experian were delivered on XXXX/XXXX/2015, XXXX/XXXX/2015, and XXXX/XXXX/2015. No results were mailed to me from Experian about verifying infomation with XXXX, but the account 's information on my credit file was updated with all entries on the account saying " Not Reported '' despite the account still being present. This means the account has not been verified and the results were not sent to me within 30 days of XXXX/XXXX/2015. Experian has not complied with XXXX XXXX a ) ( XXXX XXXX requests to disclose THE method of verification used for this particular account, only a general statement of various possible methods with vague and unspecified procedures. Actions are FCRA XXXX violations. The account has been removed from other bureaus for failure to validate and verify. Attached are the dispute letters sent to XXXX XXXX XXXX that have received no response, as well as proof of mailings sent to their listed XXXX location that they Return To Sender. Also included is my letters of correspondence with Experian disputing the account, requesting investingation and method of verification, as well my proof of mailing. Also submitted is a copy of the way Experian has entered the account on my credit file to avoid removing it because XXXX has not validated the account. All documents were signed and notarized before sending to Experian.
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 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
Product: Mortgage

This business is the foreclosing representing law firm for XXXX XXXX XXXX Bank, NA and presently about to illegally foreclose on my home advertising in my local newspaper XXXX XXXX XXXX today or tomorrow, with false information. Please see attachment showing document expert proving that there aren't any Negotiable Mortgage And Promissory Note documents to legally foreclose on but are moving ahead anyway. This must be Stopped! 
Please also see the notice of foreclosure using wrongful illegal information slandering me publically and deformation of character etc ... BOTH THE PROMISSORY NOTE AND MORTGAGE ORIGINALS ARE NOT NEGOTIABLE!!!
Product: Student loan

Right out of XXXX XXXX I owed approximately {$150000.00}. I could not afford the full payment which would have been almost {$2000.00} so my loan was immediately put on an Income Drive Repayment plan. Over the next 8 years it kept getting renewed and I was told that at the end of the 20 years my debt would be forgiven. About 2 years ago, I was advised that the best was forgive but not the interest. At that point, the interest had amounted to approximately {$150000.00}. So although I was paying {$700.00} a month, none of it was covering the principle and the interest just keep getting high and higher. I was able to consolidate the Fed Service Loan with XXXX private loan, but now I owe {$300000.00} ( the original loan from 10 years ago, plus the interest ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion via phone on XX/XX/19,XX/XX/19,XX/XX/19 and sent a letter via certified mail on XX/XX/19 regarding the inaccuracies that are being reported on my credit report. I have been a victim of identity theft and the information that is being reported is not accurate. I am upset that the information that is being reported inaccurately has not been removed.
Product: Credit reporting or other personal consumer reports

Please see CFPB Complaint XXXX. Equifax corrected my credit report after the complaint was filed and confirmed XXXX XXXX XXXX  and XXXX were not reporting. Less than 30 days after we resolved the matter, the accounts reappeared. I have filed 5 disputes and sent 3 emails to the executive office. All of my attempts to resolve have been ignored.
Product: Debt collection

I helped my parents move into a rented home and stayed with them a few months to help them settle in. XXXX years later, a check on my credit report revealed that the city reported me as a cosigner on the {$1300.00} electric utility bill debt they accumulated over the XXXX years after I left. Since I had never signed anything, I called up the city to ask why I was being held responsible for their debt. The city officials I spoke to, who refused to provide their names or positions, informed me that upon opening the utility account, the city had asked for the names and SSNs of all occupants at the time. I asked both officials if my parents had been informed that all occupants would be held financially responsible as cosigners. Both officials informed me that it was not policy to do so. This puts me at a loss for relief options as my personal information was provided without my knowledge or consent, yet the party providing it believed themselves to be under obligation to provide it and were not informed of the ramifications. 

Additionally, the debt collection agency has not provided me with any sort of debt validation, and is not willing to provide any consideration of the special circumstances surrounding this debt. The original creditor refuses to remove me as a cosigner unless I can prove I was not a resident at the time the account was opened.
Product: Checking or savings account

Someone opened fraudulent accounts at Marcus by Goldman Sachs without my consent.
Product: Credit reporting or other personal consumer reports

I am writing to address discrepancies in my credit report that demand your immediate attention. Specifically, I am disputing the following account : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX. 

It is perplexing to me why these companies have reported this information on my credit report. I have consistently upheld timely payments with all parties involved, and there is no basis for such inaccuracies. Upon contacting them, I was directed to dispute the matter with your agency.
Product: Credit reporting

I have several accounts on my credit file that are not mine and are a result of identity theft these accounts are ... XXXX bank XXXX and other accts when reviewing my fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Finance XXXX XXXX and addresses that I have been used fraudulently that need to be removed here are the addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX / XXXX XXXX, XXXX Va XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX and name aliases that need to be removed here are the aliases XXXX XXXX XXXX, And XXXX XXXX XXXX XXXX XXXX addresses and names need to be permanently removed I have sent in copies of a police report # XXXX officer XXXX XXXX badge number XXXX
Product: Debt collection

The company has contacted me several times over the last 2 yrs. About a year and a half ago I told them that they need to remove my dads and stepmoms cell numbers from their information due to the repeated calls and they dont have anything to do with the situation. Today, XXXX/24, they called both of their numbers again and I called them back and got no answer. They need to quit harassing my parents. My dad did answer the call a couple days ago and told them to stop but the company keeps calling them. I am aware of the debt that is owed but they need to stop calling them. When I called today, I left a voicemail stating for them to stop calling them. The company calls almost every day.
Product: Checking or savings account

I deposited 2 checks ( {$7500.00} each, for a total of $ XXXX ) into my account on XX/XX/XXXX and the funds posted to my account however around beginning of XXXX I was told my account would be closed and the 2 checks would be returned to the maker and I would be able to pick up my funds and account would be closed. I was originally my funds will only be released once the check are returned to the maker but that wasnt the case, I was able to pick up my funds ( less the XXXX ) and the money is currently being held in suspense. I have called my bank manager, the fraud line, the supervisor who reached out to me to notify me the account will be closed and have got no where. The contact that reached out to me is XXXX XXXX, his number is XXXX ( XXXX ) XXXX and he refuses to give me information. He has blocked my number which is extremely rude as a customer to have this experience. I have asked numerous times to have my funds released and have gotten no reply besides go into the bank and speak to a manger to which I did and they tell me to call the 800 number, but when I do they tell me they cant access my account and I should go to a branch. 

M & t has been holding my funds of XXXX after closing my account and refuses to release it to me or send it back to the maker. I would like to get the funds back.