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

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. 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 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 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 XXXX
Product: Checking or savings account

On XX/XX/XXXX, I checked my 2 times on the mobile banking app. The last time I had checked was XX/XX/XXXX at XXXX. My account did not show overdrawn at any time. My banking history does show that anytime my account is overdrawn I make a deposit right away. At this time I was charged {$35.00} insufficient fee. I think the fee was not a justified fee because my account was at a positive state on XX/XX/XXXX when I had checked even at XXXX. I requested a refund and did not receive a refund. I am also signed up for mobile alerts and did not receive alerts. I received an email the following day with the information regarding my account being overdrawn.
Product: Debt collection

XXXX 2014 I cancel and paid the balance on my account withcable company XXXX turn in all their device .I was contacted bydebt collection company saying I owed this company money for months of XXXX and XXXX all the way till XXXX how can they claim for money owed on service I never received. remember XXXX my account in XXXX.
Product: Credit reporting or other personal consumer reports

I assert that these late payments are inaccurately reported and violate my rights under consumer protection laws for the following reasons : 1. Violation of Consumer Law : Consumer protection laws, including 15 U.S. Code 1666b, safeguard consumers from unfair credit reporting practices. The reporting of inaccurate late payments on my credit report constitutes a violation of these laws.

2. Accuracy Requirement : According to 15 U.S.C. 1681a ( 2 ) ( I ), consumer reporting agencies must ensure the accuracy of the information they report. The inclusion of inaccurate late payments on my credit report fails to meet this requirement.

3. Privacy Protection : 15 U.S. Code 6802 aims to protect consumers ' privacy rights by ensuring the accuracy and confidentiality of their personal information. The reporting of inaccurate late payments compromises my privacy rights and must be rectified immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 inquiries listed on my transunion and XXXX report that I DID NOT authorize. I called transunion and XXXX to dispute and both crediting agencies would not remove the inquiries from my credit report. 

The following 6 inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

Checking accounts ending in XXXX and XXXX are fraudulent accounts. Ive never had any accounts with capitalone
Product: Money transfer, virtual currency, or money service

I'am Filing a complaint against Cash App ( Block , INC ) Due to in adequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account Vulnerable and Unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error Resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and finical loss and I seek appropriate redress for this violations
Product: Debt collection

I have requested documents from the bureaus and I have not received anything!
Product: Debt collection

Creditor originally was sending me a bill for emergency medical services that were pending to be covered under the state 's XXXX program and I was working with the hospital for coverage, but it was taking quite awhile. I called and notified them of this. The hospital forwarded the debt incorrectly to this collection agency when it has been covered by XXXX. Additionally, the hospital eventually provided me with grants to cover ALL outstanding debts. Also, legally in PA the hospital and it 's contractors can not charge me for uncovered medical services regardless of the cause because I was covered under XXXX. I have never been contacted by phone or mail regarding the debt after my notification to them of my pending XXXX coverage and they have not identified the debt nor have they provided me with any information regarding this debt. I called and requested proof of the debt. I have received no validation notice proving this debt before they reported this debt negatively to the credit bureaus. This is a violation FACTA and the Fair Credit Reporting Act because they are have provided inaccurate information regarding a debt I do not owe despite my attempts to contact them regarding this debt.
Product: Debt collection

Check my credit report and see a company called IC System have put negative and false information on my credit report.Never heard of the company.they are saying I owe them {$320.00} which I dont owe them anything. They need to provide me with documentation showing I owe this bill!!!! And remove this information off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with Target through XXXX XXXX in XX/XX/XXXX. I paid off my balance with no late payments or balance carryovers from XX/XX/XXXX-XX/XX/XXXX. 
-In XX/XX/XXXXXXXX  had a huge data breach, and I also had my wallet stolen, and many of my credit cards had fraudulent charges as a result of that theft. 
-I reported the fraud to XXXX, who sent me a new card, and asked for additional information about what charges were not mine- I filled out this paperwork and sent it back to them, in XX/XX/XXXX. I did not continue to make monthly payments once I noticed the fraudulent charges, as accounts should be frozen until dispute is resolved. XXXX did not freeze my account or remove disputed charges- they continued to charge me late fees, docked my account as not paying, and after six months, with no resolution from their fraud department except them confirming I had filed the fraud report and their sending me a new card, they had more than doubled the owed amount, of close to {$900.00}, to {$2400.00} of late fees, interest, and other charges, all incurred during the open fraud dispute. 
- In 2015, XXXX submitted my account, exactly six months from the first 'missed payment, ' to a collection agency and to all major credit bureaus, starting an negative and costly process that has greatly affected my living, transportation, and life choices as a direct result. 
-In XX/XX/XXXX, XXXX filed a civil suit against me for the {$2400.00} debt they claimed I owed. After almost two years of court, XXXX failed to produce the original contract, acknowledge that I had filed fraud, and would not respond to questions about contract violations when fraud was first filed. The court ruling was to dismiss the case, as XXXX  did not have the right to collect the debt from me, meaning that I was NOT responsible for the debt- it was fraud. 
-The case was dismissed XX/XX/XXXX, and as a result the charges should have been removed from my credit history, the delinquent account status should be removed, and an account showing good standing with no charge offs should have been retroactively updated. This did not happen. 
-In XX/XX/XXXX XXXX showed a charge off of {$2400.00}, saying I was delinquent, that I owed this debt, and placing the date of this as the same time they opened the lawsuit, two years prior. This appears on my credit report and still causes me great issues and financial hardship and will show as a negative until XX/XX/XXXX. 
-I filed disputes with all major credit agencies, but XXXX responded with updated information, in XX/XX/XXXX, stating that I was responsible for the charge off, that it was a delinquent account, which is a direct violation of the civil case they had already caused me to endure, and the case they lost. They have maliciously gone against all of my letters and request, violated a court order, and continue to affect my life and finances, ability to get a home, a car load, etc. time from work to go to court, and other stressors and negative impacts.
Product: Debt collection

We told staff we were moving out of our apartment. We were told that it was not a problem. After moving, we received a letter we owe them over XXXX for breaking the lease which was not told to us when speaking with staff. Also, we never received the new lease indicating these terms. The company claimed the left at the door which could have been taken by someone else. There was no communication in receiving a new lease. We asked why it was not mailed certified mail, return receipt. We have tried disputing this debt and they are refusing to take it off our credit. We left the apartment in perfect condition when we moved out.
Product: Credit reporting or other personal consumer reports

Neither XXXX nor XXXX have the delinquent account, I repeatedly call Transunion and no information is given, except that they are investigating. I called XXXX myself, and they have never had me as a customer. The account named by Transunion shows that there was suddenly a collection after 2 years of delinquency.
Product: Payday loan

on XXXX, XXXX, Citi Bank sent me a {$10000.00} credit limt with a 0 % interest until XXXX. I used XXXX of the checks to pay off credit cards. I got messages from credit card payments that they bounced I called CITI Bank and was transferred through the ranks until I spoke to a underwriter. He assured me that it had to go through one more underwriter but he was almost certain they would reinstate their offer. Next day email told me I was not approved for the original amount. This decision was made after my checks were mailed. I believe the bank was unethical and did an illegal thing to their customer. I have mailed them a letter by priority mail complaining abouttheir business tactics. I have not heard from them and I want to follow throuogh wkith sueing them for the amount thart was offered.
Product: Debt collection

XXXX at XXXX XXXX XXXX XXXX XXXX XXXX called my mothers phone number XXXX attempting to collect a debt in my name, Account number XXXX. XXXX XXXX at XXXX {$780.00}. Service rendered at the address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX phone number XXXX. I called the fraud number and spoke with XXXX and she advised me to call the collections agency back to obtain the XXXX account number. An agent provided that XXXX account number XXXX XXXX. I was advised to email XXXX or fax a copy of my Drivers License and Social security card. I dont trust them. I was told by both the collections agency and fraud department supposedly, the account was open XX/XX/XXXX, and reopened XX/XX/XXXX, disconnected XX/XX/XXXX and XX/XX/XXXX collections. I was told it was Mobile service. I went online to lookup the address and XXXX XXXX XXXX came up phone number XXXX.
Product: Credit reporting or other personal consumer reports

With " Accordance to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a duty to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax, XXXX, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 that states " In general subject subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXXinancial institution and the consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX ( furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never was i informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law, 15 US Code 1681s-2 ( A ) ( 1 ) which states " 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. 15 US Code 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. '' Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states " That a consumer may exercise the right to opt out at any time. " I am opting out of your reporting services ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX according to XXXX Certified Mail Experian received a letter from ME regarding inaccurate and unknown items on my credit report. Embarking on 100 days later I have not received one word about the inaccurate items that I noted in the letters received by your company on XX/XX/2021. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon. These items should be deleted promptly. I demand that these items are deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the XXXX data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year as well as preventing me from applying successfully to purchase a new home I sorely need. I need this problem fixed asap I will not wait another 120 days to receive a no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 100 days soon so they should be deleted promptly.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Vehicle loan or lease

The car rental company, Enterprise, gave me to use a car with an international driving license of another country. They have actual information about my living in the USA. In the end, when driving a car, I was arrested for not having a driver 's license in the state of Virginia. 
After the arrest, my car was taken away and sent to a paid parking lot. As a result, the company charged me money for rent and for paid parking 2 times more. 
Looking from the pink side, whose fault is it? This is not my fault, they saw all my documents and information. I demand a refund and moral damages for a lawyer!
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX i disputed this account with TransUnion stating that the date of last payment was inaccurate. TransUnion last payment date is reporting XX/XX/XXXX, XXXX last payment date is reporting XX/XX/XXXX and XXXX last payment is reporting XX/XX/XXXX. I also stated that the last payment dates has to be the same throughout the credit bureau or it's inaccurate and must be corrected or deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

A multitude of " Inquiries '' are listed on my consumer report that are allegedly the results of consumer credit transactions. 

I did not consent, authorize, and/ or grant permission to XXXX XXXX XXXX XXXX EQUIFAX XXXX or any other Credit Reporting Agency to furnish these inquiries on my consumer report, which constitutes Identity Theft. 

In additoin : Pursuant to 15 USC 1681a ( e ) A consumer report, or portion thereof shall not include specific factual information obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit card or prepaid card

This fraudulent account was opened in my name I have been dealing with this issue for months I have filed several reports
Product: Debt collection

The collection account is not mine. I have repeatedly filed disputes through XXXX, XXXX and XXXX  and the collections agency will not provide the documentation I requested proving the debt is mine. I do not have any knowledge of this account. I even tried contacting the company and ask for proof or validation that the account belongs to me and all they send are the typical credit card paper statement. This is not proof. I want to see where I signed an application or proof that it was me that created this debt. All they send are statements. I want to see solid, legal documentation that the debt was incurred by me. 

. If they can not provide the valid legal documentation proving that it was me that incurred the debt, then I want the collection account removed from all 3 credit bureaus - XXXX, XXXX and XXXX.
Product: Checking or savings account

I opened a {$1000.00}. CD account in 2002 at Bank of America XXXX California. I called customer service to check on my account and they cant find it. They said that maybe they sent a letter due to inactivity and considered the account abandon and transferred the money to the state. The guy XXXX gave me a website called ucpi.sco.ca.gov to check for my unclaimed property. I did check and my Bank of America CD account money didn't show up. I would like to file a complaint against Bank of America for losing my account. I trusted them and thought that this account would help me build interest.
Product: Vehicle loan or lease

Step 1 : What is this complaint about?

This complaint is in reference to an end of lease invoice mailed by Honda Financial Services.

Step 2 : What type of problem are you having?

I am having a problem getting wear and tear fees as well as additional mileage fees removed on my final invoice.

Step 3 : What happened?

Prior to signing the lease, I purchased an optional warranty. Specifically this warranty is a autoguard excess wear and tear warranty for a period of 36 months. Unlimited miles are also specified on the warranty which is in the lease contract.

Step 4 : What company is this complaint about? 
Honda Financial Services Step 5 : Who are the people involved? 
Honda Financial Services ( Lessor ), XXXX XXXX ( Lessee ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate and unverifiable information and has affected my lively hood. Because of this, I have been denied jobs, housing, and credit lines. Below I have attached a screenshot of the accounts that are inaccurately reporting per consumer protection law.
Product: Checking or savings account

Sallie Mae bank does not answer phone alls. I have attempted to roll my CD over within my 10 day grace period to change the terms. I have called Sallie Mae for the past 3 days at different times and hours during the day. Every time I call, the automated machine says that the office is closed for 30 minutes and to call back. I call 30 minutes later, then again another 30 minutes during their working hours and still get no answer. Now my CD has been forced to roll over into a term I did to want. The bank is not staffing customer service representatives, The chat is a BOT and you can not reach anyone.