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

My account with TRANSUNION 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 XXXX  days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violating my rights! 

I have disputed multiple times about inaccurate PII info on my credit report and wrong information STILL shows! 

WRONG PII TO BE REMOVED NOW! 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX -- - I do not have any access to this address and therefore is REQUIRED to be removed! Delete this now! 

XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Tx XXXX. -- THIS IS A COMMERCIAL BUSINESS AND I DO NOT LIVE HERE AND NEVER LIVED HERE!!!! 

Employer PII that is WRONG 1. XXXX. -- - What the XXXX is XXXX!!! Remove this NOW!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When checking my credit report I found that I four negative marks for a late payment of my student loans with XXXX XXXX in XX/XX/2018. This was the first time I was made aware that I had a delinquent payment. When I made the student loan payment to XXXX on XX/XX/18 I received confirmation of my payment and went on with my day. 

Due to a banking routing number error the payment I had made was reversed, and I quickly amended it upon receiving a phone call from XXXX and logged in to pay my loans. I addressed the technical error and the payment was made. I was never told that this was seen as a delinquent payment or a default. It was not sent to collections and in my history of the loans, this was the only error in payment made in 12 years. 

I opened a dispute on XX/XX/XXXX with Equifax stating that, although it was four loans, it was one payment that encountered an error and that the payment was paid in full and was not in default. I asked for these four late payments to be taken off my record. I included proof that I had received an initial confirmation of it being paid in XXXX prior to the bank error. The dispute was closed without any resolution except for a statement that two of the loans have since been fully paid. Unfortunately their dispute results online portal is not functional and I have had no ability to actually view the results aside from two separate conversations with agents that have resulted in additional confusion and frustration. 

I reopened the dispute ( ongoing ) on XX/XX/XXXX and called XXXX XX/XX/XXXX and spoke with a customer service representative who stated that because there are 4 loans they count the payment error as four delinquent payments and that they do not engage in disputes and will only send that the payment was late. The customer service agent was rude and unhelpful and refused to work with me or assist me with the dispute process, stating that despite a technical error with a routing number it is considered late. I noted to her my 12 years of payment history and she said that those payments don't make a difference. 


My reason for this dispute is : -I received a confirmation that my XXXX payment was paid -The missed payment due to the routing number error did not go to collections and was in fact, paid and currently two of the loans are completely paid -Showing up as 4 separate, negative marks is unreasonable given that it was one payment ( XXXX XXXX -Their attempts to reach me on this bank routing error were minimal at best and when i was reached I quickly made the payment -They are unwilling to support their customers financial needs, despite a twelve year history of having made payments -This is the ONLY late payment on my entire credit record, and due to a technical error in the routing number
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish and account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

This pertains to a potentially fraudulent debt collection issue involving the XXXX XXXX. 

My lease at the property ended on XX/XX/XXXX. I submitted an intent not to renew in a timely manner, paid my final balances, and scheduled and completed a successful, in-person move-out and walk through process with property representatives. 

The account was closed. 

In XXXX, XXXX, I received a collections notice for XXXX XXXX from I.Q. Data International. However, I was not and would not have been living at the property- my lease was up and I was moved as of XX/XX/XXXX. 

No one from XXXX XXXX ever attempted to contact me at my contact about billing or any discrepancies ( email, phone number, forwarding address ). 

The original collections letter indicated negative impact to my credit score and history. 

In XX/XX/XXXX I corresponded with the XXXX property XXXX with proof of my lease, which ended in XXXX, XXXX, paperwork and photos about my move-out, up-to-date ledger and payment information to show my account had been paid in full upon move-out. I was sent back a ledger for XXXX. As explained, I was no longer a resident, was not living, there, nor did I have an active account. Documentation was provided to the property manager. Attempts at future communication went unanswered or were ignored.

I followed up with I.Q. Data International and then mailed XXXX page documentation disputing the claim to I.Q . Data International as requested to their address XXXX XXXX XXXX, XXXX, Washington XXXX. 

I have a duplicate copy of the disputed claim that was mailed in XXXX, XXXX. 

There was no communication, replies, follow-up communication or attempted communication from either company after I disputed the claim. 

More than XXXX years later, on XX/XX/XXXX, another letter was mailed trying to collect money, with interest and indicating negative impact to my credit history and score. I called the company who refused to provide information over the phone. 

I believe this is an attempt at false debt collection with intimidation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to both XXXX XXXX and JP Morgan fraud departments in regards to fraud. I filed police report with XXXX XXXX. Neither company removed their inquiries from my credit report. 

Police Report # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX
Product: Money transfer, virtual currency, or money service

I received an international transfer of funds into my checking account on XX/XX/2022 at a low exchange rate. I have checked with numerous websites. I have called my bank, USbank foreign exchange department asking what rate of exchange they gave me on that day. I was told that they receive rates from the federal reserve every day. The federal reserve website for that day gave me the same rate that I had found online which was much higher than what USbank gave me. I sent an email to the CEO of USbank I then received an email back saying that they would resolve this promptly. This last week I received a voicemail from the CO Head of the XXXX Team asking me to contact her. She also had sent me an email on another day. So I returned her email saying that I would contact her today the XXXX XXXX at a certain time, I'm PT she is CT. I can not get her on the phone she's always on a conference call. Now it is over an hour and a half later and I feel like I'm getting the run around. This bank owes me anywhere between {$2000.00} & {$2700.00} because of the low exchange rate that they gave me compared to the federal reserve rate where apparently they get their rates everyday. The USbank personnel so far have not been very helpful, abrupt and off putting. I am not getting the customer service I deserve after having banked with them for, now 22 years. I also am receiving pensions from my own country BUT at what exchange rate? This is another query I have with them because nothing is detailed on my E- statements. No amount of foreign currency coming into my account and no mention of the exchange rate for the day that it was wired. Surely, there is a breach of international trading here? This incident that I am reporting is part of my pension and I feel like this money is being stolen.
Product: Debt collection

I was notified by my employer that Kosters XXXX has issued a wage garnishment against me. I was never notified of any court date nor was I ever served a court summons. Kosters has not attempted to reach out to me nor have they sent any certified mail to my residence to inform me of their intent to sue. I would have gladly paid any amount I owed, but I am not responsible for any court or attorney fees when I was never even issued a summons. I called and spoke with a representative in their Legal Department today and was told I have to pay a balance of over {$1500.00} in full when I truly owe the company less than {$300.00} and the representative refused to provide me with the original terms of my loan.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : 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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 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 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: Checking or savings account

I am very disappointed at Bank of America. 
Bank of America CLOSED my Checking Account that had a POSITIVE BALANCE of over {$200000.00}!! I am also a PREFERRED REWARDS PLATINUM/DIAMOND customer!! 

We called and after between transferred 4 times and escalated to a XXXX, we finally got our answer. 

The STATED REASON from the XXXX is because they PERIODICALLY REQUEST customers to ensure their CONTACT INFORMATION is updated. However, I do not reside in the US so did not receive phone calls from them. I logged into my Bank of America online portal from my XXXX at least once a week and NO SUCH REQUEST ever showed up on BofA 's MOBILE BANKING APP. 

I asked BofA that since this is SUCH A MINOR ISSUE and i am confirming all MY INFORMATION is UP TO DAY, if they can RE-OPEN my account BofA says they CAN NOT RE-OPEN my account and REQUEST me to OPEN a BRAND NEW ACCOUNT if i want to keep my banking. 

I find this very odd and suspicious that they can not reopen my bank account and the only way to resolve this is to open a brand new bank account?????
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the account XXXX XXXX XXXX XXXX from my XXXX, Transunion, and XXXX credit reports due to inaccurate reporting. The credit reporting agencies are reporting an incorrect balance and the date that the account was charged and sold off is incorrect and according to FCRA this incorrect reporting is grounds for the removal of the account. I will attach a copy of the notice from the original creditor with the correct balance and date of charge off. Also, this balance was taken care of with the original creditor because I had no knowledge that the account was sold. The account with the original creditor is also still reporting on my account which is also a violation as well as double jeopardy. Please remove XXXX XXXX XXXX XXXX from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I contacted Fifth Third on XX/XX/XXXX to request a loan modification for two loans which were maturing due to a balloon payment. 
a. Primary mortgage of {$800000.00}, due XX/XX/XXXX b. Line of credit of {$110000.00}, due XX/XX/XXXX We were instructed on XX/XX/XXXX ( see attached copy of letter from Fifth Third Bank ) to begin paying {$5000.00} for the primary mortgage for three months ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) as a trial opportunity to theoretically see if we could manage a loan modification. 

We were not clear on whether this modification included the line of credit and we called several times to receive further clarification. In the interim, we continued making our regular mortgage payment in the amount of {$5200.00} and line of credit payment in the amount of {$600.00}. On XX/XX/XXXX ( copy attached ), we received a letter from Fifth Third stating our trial plan payments were received and recorded as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. WE WERE NOT NOTIFIED THERE WAS A LATE PAYMENT NOR WAS THE PAYMENT REJECTED. 

The Mortgage Loan History Statement from Fifth Third reflects that we continued paying in excess of the full amount of the primary mortgage in the amount of {$5200.00} on XX/XX/XXXX and XX/XX/XXXX. We did not reduce our payment to the lower trial loan modification amount of {$5000.00} until the payment made on XX/XX/XXXX. 

Fifth Third bank recorded the XX/XX/XXXX payment as late because it was not the usual amount of {$5200.00}. The modification side of the bank instructed us to pay a modified trial amount of {$5000.00} which we did. We should not be penalized because the two different departments of the same bank are not reconciled. 

The loan modification documents, for the primary mortgage, were completed and executed on XX/XX/XXXX, prior to the due date of the primary mortgage balloon payment.

We paid off, in its entirety, the Line of Credit in the amount of {$110000.00} on XX/XX/XXXX, before the due date. 

We have ed in this home for fifteen years and have NEVER paid our mortgage late and at no time, during the process of the loan modification approval process, were we made aware that there was a late payment on our account. 

THIS INFORMATION IS INCORRECT AND HAS SEVERELY DAMAGED OUR ABILITY TO RE-FINANCE THIS MORTGAGE AND TAKE ADVANTAGE OF REDUCED INTEREST RATES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there, I'm experiencing an issue with a credit reporting agency/consumer report company. I have tried to request a freeze of my credit report from Clarity Services , Inc ; a part of XXXX consumer reporting and multiple times denied my request, even after verifying my identity. 

Consumer Protection Law requires such a company to furnish my request upon verification of my Identity, which I have done. They have violated my right and exposed my information to bad actors, causing me an identity theft problem.

I requested a freeze of my credit from all credit reporting/consumer reporting agencies because I was seeing unusual activity on my credit accounts. All the other agencies complied with the law and request, but Clarity Services , Inc. This morning, someone has been trying to charge all my credit and debit cards once used with my auto loan payments ( i.e. ; with XXXX  - my auto loan servicer ). I have locked all the cards and the pain of this is because my information was thrown to the wolves without my authorization and when I caught it, Clarity services wanted me to prove further my Identity by sending a copy of my social security card!!!! Why would you need my social security card when I have given you my social security number and answered all the verification questions, except for the purposes of delaying my request to your ( Clarity Services ) own benefit from my information? 

I'm looking for help regarding this request and the protection of my identity.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Experian 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

I have been a victim of identity theft. I noticed accounts opened on my behalf when I opened my credit report. 
Fraud Account needing attention : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality 15 US 1681. 

Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX  ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX  ( account number XXXX & XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXXXXXX ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX  ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX account number XXXX ) 15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A section : 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 containing any of the following items of information. Any other adverse items of information other then records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall notfurnish 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: Credit reporting or other personal consumer reports

By law and under consumer rights this debt was to be reported for XXXX. This debt that was to be removed 6 months and is currently still being reported on my credit report hindering me from moving forward in my life. The account says closed/charged off however still reporting late payments and so forth.
Product: Debt collection

XX/XX/XXXX Ditech Financial, LLC Attention XXXX XXXX XXXX, AZ XXXX RE : Ditech Account number To Whom It May Concern : Per this letter, I deny, dispute, and challenge Ditech 's claim that I owe the above referenced debt and the amount asserted. This debt was erroneously applied to my name. The attached recorded mortgage release clearly indicates that the account in reference was only in my wife 's name and that it was cancelled on XX/XX/XXXX. We sold the property in a short sale, and the debt was considered paid in full at the end of XX/XX/XXXX. 

It is unclear how your company falsely acquired this debt after the property was sold and the debt was cleared out. Moreover, it 's not clear how or why you put this debt in my name. I want you to document that this debt has been satisfied ( again see attachments ), that it is not my debt, and stop negatively reporting false information about me to the XXXX credit bureaus. 

I want a full investigation of this claim so that this matter can be resolved immediately. For too long, your error has negatively impacted my credit. Please contact me via mail or email ( ) to document that this issue has been resolved asap. I look forward to the timely resolution of this matter. 


Sincerely,