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

My account with XXXX EXPERIAN 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. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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: Debt collection

I just want this removed from credit report. they continued to harras me so I paid it even though it was not mine. I just want it removed. when I paid them they stated it would come right off ... never did
Product: Money transfers

I used Paypal to submit a payment to XXXX XXXX XXXX XXXX, for a car service on XXXX XXXX, 2015. XXXX advised me later that day that the payment had not been successful, and asked me for an alternative payment method. Meanwhile, Paypal confirmed that I had been charged the cost of the service and that the funds had been transferred to XXXX. To date, XXXX refuses to permit me to use their service because they claim there is a past-due balance for that ride. I submitted a dispute through Paypal, asking them to follow up with XXXX to confirm with them that the payment had been made or, in the alternative, to refund my payment so I could use another payment method with XXXX. Because of the limited functionality of Paypal 's dispute process, I used the dropdown menu for " Unauthorized Use or Transaction Error, '' since it was the only thing that seemed applicable. After all, XXXX does not sell a product for me not to have received or to have received a defective version. I opened the dispute on XXXX XXXX, 2015. On XXXX XXXX, 2015, without having apparently received any response from XXXX to several emails, and without having reached out to me at all beforehand, Paypal closed my dispute because they determined that the charge was not unauthorized. Paypal does not appear to have noticed that I never claimed it was an unauthorized charge, but rather sought their assistance in convincing XXXX that XXXX has already been paid. Meanwhile, XXXX refuses to communicate with me about this issue at all, and does not have a phone number available for contact so I can speak to a real person to resolve my issues.
Product: Credit reporting

A medical office sent a bill to collections that was not suppose to be sent because. They where suppose to automatically with draw from my account and did not. So it was sent to collections. But it has since been pulled from collections because of there mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Balance : {$57000.00} This debt she be removed from my credit report completely. The original furnisher/lender of this debt does not own the vehicle and is no longer the lien holder. I provided proof of this to all 3 credit bureaus Transunion, XXXX and XXXX. I received an alert from XXXX that it was closed but when I check it remains open. I asked the 3 credit bureaus how can they verify the debt to be accurate without showing proof and I was advised that they as in the furnisher/lender did not need to show proof. How could this possibly be acceptable when I showed proof that they are not the lien holder but they are reporting late payments. I can not have a late payment for a debt that is no longer furnished by the original lender and I did not refinance the loan. I need my credit report updated.
Product: Credit card or prepaid card

I paid my balance off in full and my available credit is only {$1.00}. Capital one refused to make my funds available when I have provided proof that the funds were withdrawn from my account.
Product: Student loan

I recently went to get my taxes done. While sitting with my tax specialist she noticed that the interest charged when they sent me my tax forms from Navient was a lot more this year than last. In XXXX on my XXXX form the interest was {$3900.00}. That was the amount for the full year. I paid off my Navient XXXX  loan XX/XX/XXXX and my XXXX XXXX statement reflected interest was {$5700.00}. My tax specialist felt this was odd, as I paid the loan off within the first 3 months of the year compared to last years 12 month interest quote and recommend I look into it. Also it doesnt help Navient is under a class action law suit already for matter similar/same as this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because Equifax is listing erroneous and fraudulent information on my credit report. Be advised that this is not a refusal to pay a debt, but a notice was not sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) hence the debt claims are disputed as validation was never sent to me. 
I am NOT requesting for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligations to pay these accounts : XXXX  XXXX/XXXX/XXXX I do not even know which one is the company, I have 3 different names on this alleged account that claims {$2100.00}. This account is unknown and was not validated. 
XXXX XXXX XXXX ( XXXX ) claims {$170.00} account is unknown, and was not validated Please provide me with the following as an investigation by Equifax to validate these claims : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed including MY SIGNATURE to pay what you say I owe on these accounts ; Provide a verification or copy of any judgment if applicable
Product: Student loan

President Biden Have placed student loans on a moratorium, Navient has placed all of my loans as late payments which bring my score down on my credit reports. I spoke to someone a Navient and reminded them that Biden has a moratorium on student loans, they apologized but continued their erroneous practices. All student loans should be on a moratorium until XX/XX/2022, and this may possibly be extended. I am up for a government job and may be denied the job due to Navient practices. XX/XX/2022, I have taken a break from school. Navient is reporting that I am more than 90 days past due on my loans!
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is with my bank Wells Fargo. I requested a deferment on XX/XX/XXXX for a retail account that is through WF. XX/XX/XXXX I noticed I had a late fee of {$27.00} and made contact with WF on XX/XX/XXXX in regard to this problem. They removed the late fee immediately but not before XXXX XXXX reported my credit score as having decreased by 4 points because of an increase of usage ( {$27.00} ). I rely on my FICO however, I have found XXXX XXXX XXXX report to be the same. I have requested a " letter '' for my records for the past 4 weeks. I want a letter that states they didn't process my deferment for 5 weeks from XX/XX/XXXX until XX/XX/XXXX and that through no fault of my own I was charged with a late fee. I am or should be entitled to a letter with the above instead of the basic rote WF sent me. Thank you.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal online complaint against XXXX, TransUnion, and XXXX regarding inaccurate credit reporting. I previously submitted a written complaint on XXXX XXXX XXXX through mail but have yet to receive any response. 
I am distressed by the ongoing inaccuracies in reporting late payments on my credit reports by XXXX, TransUnion, and XXXX. Despite my initial attempt to address this issue through a written letter, I have not received any acknowledgment or resolution. 
The discrepancies pertain to late payments on my XXXX XXXX account ( account number : XXXX ) for the months of XXXX, XXXX, and XXXX. I demand a thorough investigation into these inaccuracies and request the provision of verifiable proof regarding the alleged late payments. 
In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), I insist that XXXX, TransUnion, and XXXX physically verify the original signed consumer contract for the mentioned account. The failure to positively verify these accounts has adversely affected my creditworthiness and has impeded my ability to obtain credit. 
I am now submitting this complaint through the Consumer Financial Protection Bureau 's online portal to seek a prompt and effective resolution to this matter. I demand that XXXX, TransUnion, and XXXX verify or remove the inaccurate information immediately. Furthermore, I request the removal of non-account holding inquiries over 30 days old and the addition of a promotional suppression to my credit file. 
I expect a thorough investigation and corrective action from XXXX, TransUnion, and XXXX. As stipulated by federal law, I request the completion of the investigation within thirty ( 30 ) days and the provision of a description of the procedure used to determine the accuracy and completeness of the information within fifteen ( 15 ) days of the completion of the investigation. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will assist in facilitating a prompt resolution to these inaccuracies in credit reporting.
Product: Credit reporting or other personal consumer reports

After checking my full credit score report I noticed that an authorized user credit card account is missing on two of my credit reports it is showing currently added and updated on my XXXX account but is missing from my Experian and XXXX XXXX XXXX. 
This following information below is the credit card account that is missing from reports above : XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Open balance {$9300.00} Credit limit Credit limit {$9300.00} You're using 0 % of your account 's limit OVERVIEW Minimum monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 100 % of payments on time. 
Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} ACCOUNT DETAILS Account status Open Type Credit card Responsibility Authorized User Remarks -- Times XX/XX/XXXX days late XXXX CONTACT INFO XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

I had my fiance do my taxes last year, with XXXX XXXX, 2018. The funds were to be deposited in my checking account at Chase Bank, NA. I noticed the funds from my IRS return. were not being deposited to my account for a very long time. So, I went to the bank to find out about my return and they explained that they went into the wrong account as the account number was transposed by 2 numbers and the money was no longer in the other account the person took it. I was instructed to go to the IRS and get a indemnification letter so the bank could help me. I went to the IRS office and they told me that the lady at the bank had no idea what she is talking about the IRS does not give out indemnification letter. I went back to Chase Bank and they told me, " we are unable to help you '' .I am out over {$1400.00}. 

I did not know I could file a complaint as I told my mother in law the above situation and she said wait, you need to file a complaint. The bank has an obligation and security measures that need to be looked at it look like they have not complied. 

Thank you so much with your help in this matter.
Product: Student loan

I believe that Navient is working alongside XXXX XXXX XXXX and a sister company XXXX XXXX XXXX in posing as the U.S. Department of Education as they stated. It is my belief that these companies are conspiring together with Navient running an overall scam against the government. The two companies listed above state they work with Navient to provide a service that they are allowed to charge for though the product is bogus. I have let them know numerous times they are a scam in presenting themselves as someone they are not. I did further let them know I was aware of what they were doing and to cease all contact with me immediately in presenting a fake product. They proclaimed numerous times to be working with/for the U.S. Department of Education which is a governmental agency. They stated that they send us out paperwork and much needed documents that you ca n't get anywhere else regarding student loans in how they are working with Navient to help others. The same documents they are advertising for a fee can be found online at the government website free of charge to us. Due to me being aware they are selling governmental documents I told them once again they are running a scam and I want no part of it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of XXXX Payment : XX/XX/2022 Monthly Payment : {$20.00} I have attempted to resolve this on my own numerous times. Was told that they don't have to help me, I've been more than patient. This adverse action to my report is causing me great harm to my mental & physical health. This is a heavy weight upon my shoulders, and upon my review of my consumer rights. 

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


Account Name : XXXX XXXX XXXX Account # 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 a account without my 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 and 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: Student loan

My XXXX XXXX  loans are serviced through MOHELA. They are currently undergoing a system transfer that has completely cut off access to my account for about 1 month ( per the customer service agent I just spoke to ) meaning that it is impossible to make a payment on my account. I was told on XXXX that my auto-debit payment would still process on my due date ( XXXX ), it did not. I called again and was told that auto-debits would not process as they are not transferring over any auto-debit information for anyone. In addition to this, everyone who was on auto-debit gets removed from auto-debit automatically and loses the interest rate discount that we had from enrolling in auto-debit until we are able to gain access through the new system and re-enroll in auto-debit. This means that for roughly 2 months, MOHELA is choosing not to transfer over all of our data and is forcing everyone enrolled in auto-debit back to their higher interest rates as a cash grab during their " transition phase. '' It is impossible to get a straight answer from MOHELA about what is happening during the transition and impossible to view our own accounts to see for ourselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I graduated from  XXXX  school in  XXXX   XXXX . I should 've had 6 months from  XXXX , which would 've been  XXXX   XXXX , before repayment on my student loans was expected. Before the 6 months,  XXXX , tried to collect on the loans. I called to get an income driven deferment. The gentleman I spoke to around  XXXX   XXXX  on the phone did the application. I qualified for an income deferment. I asked for a year deferment, which according to the Department of Education when I spoke to them, I should 've been given. The man from  XXXX  who did my application refused to give me a year, he would only give me 6 months even though I asked multiple times for a year. He also gave me false information regarding the deferment process and said that I could only defer my loans once which is a lie. I was forced into taking a 6 month deferment. Which when speaking with  XXXX  on  XXXX   XXXX  of  XXXX , he gave me an income deferment, he gave me a 6 month forbearance. 6 months from the time my loans were " deferred '' would 've been until  XXXX .  XXXX  would 've been able to start collecting on my loans in  XXXX   XXXX  which is when I called in next. When I called in next I was told that my loans were in default, some were 30 days past due and some were 80 days past due. I said, " if I deferred all of my loans they would 've been deferred at the same time which would mean that they 'd have the same dates due. ''  XXXX  could n't explain how there was a difference in my " past due '' time frames. They would n't help me get my deferment issue figured out, and I was hung up on.  XXXX  has given me false information, forced me into deferments that I did n't want, calculated interest when none should 've been calculated, and have tried to collect on my student loans when legally they had no grounds to. To add, navient has not only done the above but has reported me delinquent to credit agencies destroying my credit when they have given me false information and tried to collect when they should n't have and legally were n't able to do so. They have also called my phone when I specifically gave them information NOT to call and gave very specific terms on how to get ahold of me via text.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$120.00} EXPERIAN BUSINESS CRED XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$120.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

I filed chapter XXXX bankruptcy in XXXX. At that time I reaffirmed my mortgage with XXXX Company. XXXX sold my loan to XXXX XXXX around XXXX. On XXXX XXXX XXXX XXXX XXXX sold it to Green Tree. I recently noticed that Green Tree is not reporting to the XXXX credit bureaus. The first rep that I spoke with told me they did n't have the reaffirmation papers, the XXXX rep said they have them and transferred me to XXXX rep who told me that I need to reopen a 10 year old bankruptcy and reaffirm the debt with them. I asked to speak with a supervisor and was transferred to a generic voicemail. I have contacted an attorney regarding this issue.
Product: Checking or savings account

BOA charged me month fee for XXXX $ in XXXX
Product: Money transfer, virtual currency, or money service

Was never issued a refund for merchandise never received
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 TransUnion 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 TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX FUNDING ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXXXXXX
Product: Credit card

I requested a credit line increase. It was denied due to a pending legal action against me. There IS NO pending legal action against me by them or any other company/person. My credit monitoring software shows nothing. I even checked my states judicial website for a small claims issue that maybe Im unaware of and there is nothing. The information is false and when I called to request where they obtained that from so I could file a dispute two women said they did not have the information and there is no way to find out where the info came from. But one was able to check and she showed they have no knowledge of any pending legal case against me. So this is a false accusation and I want it removed promptly from my records.
Product: Credit reporting or other personal consumer reports

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, SC XXXX, - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX - XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX has violated my rights. 
I looked at my XXXX credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.