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

My account with the XXXX XXXX and i was never late! I have had exceptional payment history witH XXXX  XXXX 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.

This company 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: Mortgage

The lender drafted two payments within same month from my account and will not refund the money. They claim they are still working on the return since XX/XX/2021. They continue to transfer me to others with no resolution in sight. They have confirmed the mistake but can not resolve the issues. I have called them 8 times over the last 10 weeks with nothing corrected. There is no available phone line to contact the accounting department. Customer service says they will take a message and return my call within 48 hours. They never call back and said I have wait forever the return call. Its been ten weeks with no correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

FedLoan Servicing reported me as missing my payments in XXXX, XXXX, and XX/XX/XXXX. This was put on my credit report. I was a student at the University of XXXX at the time and my enrollment was at least half time. My federal loans should have been in school deferment. 
I talked to Fedloans over the phone and sent them a letter on XX/XX/XXXX and sent them documentation that I was elegible for in school deferment durring the times that if was reported that I missing payment. Fedloans responded with a letter dated XX/XX/XXXX which stated they had sent the corrected information to the comsumer reporting agencies to wich the incorrect information was previously reported to. However this infomation is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were late payments showing on my report and these report is misleading and suspicious and was never late. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of 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. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Bank account or service

On XXXX I had seen an add in the XXXX XXXX newspaper in reference to a car for sale. The add read the following. XXXX XXXX for {$3800.00}. I had called and texted the seller and responded with an email. XXXX XXXX. XXXX XXXX. He sent me the pictures and could set it up with the XXXX and XXXX XXXX XXXX. The first amount due was {$1000.00}. Cash deposit through Chase Bank. XXXX XXXX at XXXX XXXX. The account name received was XXXX Account # XXXX. XXXX XXXX from the XXXX and XXXX XXXX contacted XXXX XXXX saying it was all approved to be delivered to XXXX area. The following day XXXX XXXX the vehicle did not arrive. Was to be delivered between XXXX am to XXXX XXXX on the XXXX. XXXX called back and needed more money. He said that the vehicle was selling lower than it was valued at. He said he needed another deposit of {$900.00}. XXXX XXXX made a deposit XXXX XXXX at XXXX XXXX to the same account and same name for {$900.00}. The vehicle was to arrive on Friday XXXX XXXX between XXXX XXXX to XXXX XXXX. No vehicle arrived. Tried to contact seller the phone number has been disconnected. Tried to contact XXXX on many occasions. With no luck. XXXX XXXX contacted Chase Bank on Sat. XXXX XXXX and was told his bank account was safe. Monday XXXX XXXX he had made a police report for fraud. XXXX XXXX - Report # XXXX. Spoke with XXXX XXXX XXXX. After the police report was filed, XXXX XXXX returned to Chase Bank. They tried to contact XXXX because it was a Chase account and Chase had gotten the run around. Chase said that they could not do anything about this due to it was a cash deposit and not a credit card. XXXX has been a customer of Chase Bank for a while. A family member had suggested that we contact the XXXX. Chase Bank through there customer service and security should of taken care of this issue. XXXX XXXX - XXXX at Chase Bank spoke with XXXX XXXX on XXXX XXXX that he should file a complaint to this website. This has been a very upsetting situation and was hoping for more assistance and help with Chase Bank. I hope this can be resolved and I could receive some sort of compensation. Thank you and looking forward to hearing from someone.
Product: Money transfers

My mother received the " grandparent scam '' call, supposedly from a nephew who had been put in jail for a DWI and needed money wired to get him out. The " nephew '' then gave the phone to a ( bondsman ) who provided her with instructions of how to wire the money ( Moneygram from Walmart ), and told her my nephew said to tell absolutely nobody in the family about it. XXXX transactions, {$3700.00}, a valuable unfortunate lesson learned. Please note transaction # 2, XXXX {$1800.00} in addition to itemized transaction # 1 included below, also sent to same telephone XXXX XXXX XXXX, XXXX, DE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Experian and XXXX Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX  shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}
Product: Debt collection

Vehicle loan was paid off by gap insurance, hyundai motor finance is trying to say {$54.00} is still owed on the loan, i was never notified if any money was still on loan but was reported late for XXXX  months in a row before being charging it off. Only reason i found about it was because i went to cosign for a new vehicle and it popped up on the credit report. When i contacted hyundai about it, the representative got rude and i was told they will not be updating the credit report and i need to pay the balance they say i owe.
Product: Credit card or prepaid card

I received these balance transfer checks XX/XX/XXXX by XX/XX/XXXX I made a balance transfer the offer was 0 % APR for 12 months with 3 % transfer fee well I paid of the balance today XX/XX/XXXX way before the 12 month period and they charged me interested for The time until they receive the fund. 
This is pure XXXX off credit cards becomes thief by the second and you Cfpb shouldnt come up with heafty consequences for these credit cards Their representative trained to make these redicilous charge do ok and ledgenmdbt not good
Product: Credit reporting, credit repair services, or other personal consumer reports

As it pertains to missing information on the credit report of XXXX XXXX XXXX. Individuals identified will be required to report to the designated locations as identified in the statements of XXXX XXXX XXXX for violations of the Bankruptcy code and/or U.S. Department of Justice Civil Rights Division Housing and Civil Enforcement for discrimination, erroneous information on credit report ( s ), attempting to attach themselves to an individual who paid a debt, obtaining credit by improper reporting of information on their credit report or a debt paid by another individual but appeared on their credit report, bankruptcy code violation, etc. The Federal Service Desk is required to accept the document as an addendum to the previous SAM.GOV registration as it pertains to ownership of property and banking accounts, etc.
Product: Credit reporting or other personal consumer reports

I am consumer. I am XXXX XXXX XXXX, SSN # XXXX. This written by me and not a third party or law firm. Equifax is obligated by FCRA to report accurate accounting consumer has advised all reporting is still inaccurate and missing data. I requested Equifax send METHOD of VERIFICATION in 15 days three times. I have not received it. Equifax has continued to violate my consumer protected rights. I am NOT requesting a reinvestigation and I am NOT requesting e-oscar report. According to LAW Equifax had 15 days to provide the documentation used to verify my disputes. Equifax must provide me with the name of the person spoken to, documentation used, consumer signed wet ink signature written. If Equifax does not have documentation to show there were in fact accurate it must removed ASAP. Consumer is seeking monetary damages according to FCRA 15 USC 1681o, Civil liability for negligent noncompliance and 15 USC 1681n civil liability for willful noncompliance violations {$10000.00}. Equifax commission file number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX will be filing form 211 treasury omb form to audit consumer account. Equifax is securitizing consumer data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit card

The credit card account was opened in XXXX I had a credit card that I was making payment to since XXXX. I never missed a payment until XX/XX/XXXX when I discovered that my payments were not fairly reported, and data information were not reported accurately. I have come to realized that most of the payments I have made were not reported to the account ( XXXX ) that I'm being sued for by Truist Bank. As reported, Truist Bank changed the name BB & T Bank to Truist Bank since XX/XX/XXXX. Yet, when I checked the credit bureaus reports, no payments were reported until the middle of XXXX ; and only 4 to 5 payments were reported. Moreover, some of the payments I made were not reported to whatsoever. Sometimes in the beginning of XX/XX/XXXX, I informed Truist that I would not make another payment until somebody explained to me why most of my payments were divided in two different accounts, and some were not reported at all. I was informed that somebody would call me to explain it to me. Sadly, no one called me to explain that to me. Next thing I know, I'm being sued by that same creditor who canceled the debt and got paid as reported ( see XXXX and XXXX remark from XXXX for details ).
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Account Dear CFPB, I am writing to follow up on my prior dispute regarding inaccuracies reported on my credit report. Despite my initial dispute, no changes have been made to the reporting of this account, and the erroneous late payments remain uncorrected. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumers dispute. I am requesting a detailed description of the investigation process conducted for the account in question. 
Account Details : Creditor : XXXX XXXX Account Number : XXXX High Balance : {$430.00} Last Verified : Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Open Payment Status : Current Credit Limit : {$500.00} Payment History : XXXX : A 30-day late payment inaccurately reported for XXXX. 
Experian : A XXXX late payment inaccurately reported for XXXX. 
XXXX : A XXXX late payment inaccurately reported for XXXX. 
Reason for Dispute The reported late payments are inaccurate, as I have made all payments on time, in accordance with my agreement. My attached payment records clearly demonstrate that no late payments occurred for this account. Despite my previous dispute, the erroneous reporting has not been rectified, violating the accuracy requirements of the FCRA under 15 USC 1681e ( b ).

Request for Investigation and Supporting Information Description of Investigation : Please provide a detailed description of the procedures followed to investigate my dispute, as required under 15 USC 1681i ( a ) ( 7 ).

Verification Documentation : Include all documentation or records used to verify the alleged late payments.

Proof of Mailing Compliance : Under 15 USC 1666 ( b ), provide reasonable proof that each periodic statement was sent to me no later than 21 days before the payment due date. 
Reference to XXXX ( Paid As Agreed Never Late ) The account history should reflect a status of Paid As Agreed Never Late based on my timely payments. In the absence of valid and verifiable proof of late payments, I demand that the credit reporting agencies promptly update the account status to reflect accurate reporting. 
Legal Compliance As per the FCRA, you are required to conduct a fair and reasonable investigation and respond to my dispute within 30 days of receiving this letter. Failure to do so will constitute a direct violation of the FCRA, and I will pursue further action. 
Enclosures Copy of credit report with highlighted inaccuracies. 
Payment records proving timely payments. 
Thank you for your prompt attention to this matter. I expect full compliance with the FCRA, Consumer Protection Act, and Truth in Lending Act. I look forward to receiving your response and resolution within the required timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am XXXX! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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
Product: Credit reporting or other personal consumer reports

This account is a certificate of indebtedness; it is now considered income and income can not be reported on any credit report. XXXX XXXX XXXX XXXX account number XXXX  has violated several of my rights as a consumer. Furthermore, 
the sale or sharing of my personal information to a third party collection agency without my explicit consent constitutes several violations of both the Privacy Act of XXXX (5 U.S.C.  552a) (b)Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be (12)to a consumer reporting agency in accordance with section 3711(e) of title 31.This also violates the Gramm-LeachBliley Act (15 U.S.C.  6801). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent.
In addition,12 CFR  1016.7 Form of opt out notice to consumers; opt out methods.
Section (a) (1) Form of opt out notice. If you are required to provide an opt out notice 
under  1016.10(a), you must provide a clear and conspicuous notice to each of your 
consumers that accurately explains the right to opt out under that section. The notice must state: (i) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party; (ii) That the consumer has the right to opt out of that disclosure; and (iii) A reasonable means by which the consumer may exercise the opt out right.
 I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account
Product: Credit reporting, credit repair services, or other personal consumer reports

US department of education XXXX. It says owed {$2300.00}. I did not authorize this account. I dont know who opened this account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Co 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: Credit card or prepaid card

In XX/XX/2020, I received a text from XXXX stating I had XXXX XXXX on my computer and to telephone the stated # given on the text to learn more. I immediately called the # and was told that I needed to purchase the latest Firewall so these types of incidents would never get thru to my computer. After relating this to my son, he investigated that the company was NOT XXXX, and called them. My son ( XXXX ) was told by the merchant -- XXXX -- that they were a XXXX party and represented XXXX. When my son told XXXX that we wanted to cancel the service, they refused, even going so far as to send Citibank a fraudulent e-mail that I did NOT write. When XXXX saw the e-mail, he immediately recognized the e-mail to be a screenshot and requested the original email. He was informed by XXXX that the email " was original and PAY the {$840.00} that you owe us. '' Citibank accepted the screenshot and closed the case. In XXXX, Citibank reopened the dispute, and now in XXXX, they have declined the dispute and have decided to endorse XXXX. I have proved various documentations of XXXX harassing me and using different telephone #, texting me that I have messages to my phone from a URL in XXXX that has infiltrated to my phone # that I need to respond. Of course, when I dial these # s, they are NO longer in existence. XXXX XXXX is harassing me, and I do NOT want to have anything to do with this scamming merchant. I also have cancelled my credit card with Citibank since I do NOT think they represent their customers and do NOT investigate claims made of fraudulent merchants. I would like to take a claim out against Citibank for not honoring and investigating disputes of their honored customers and also XXXX for fraudulently representing themselves as XXXX and submitting fraudulent e-mails to Citibank.