23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting that I am ( 120-150 ) days late on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was in the middle of a child custody case and was instructed by my attorney not to continue to pay child support until after the court made its final decision as to who was to receive full custody of my child. I won sole, legal custody and therefore there are no child support payments to be disbursed. I have attached a copy of the Cancellation of Wage Garnishment Order along with a copy of the Final Custody and Support Orders for reference. The lates that are reporting are false and are seriously harming my credit score. These lates need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 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. 


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 XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report. Please correct the status of the account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had a load modification due to falling behind on payments, still hasnt recovered from the pandemic where I lost my full time job and was supporting my family with a part time job until 2 years ago i was given full time status but still not making enough, i have been actively looking for a part time job to help my full time job income, but everything seem to be a schedule conflict of my f.t job, then utility bills, groceries, gas bills when up then my car insurance doubled when my son started to drive, I filed for forebearance the after a few months had my loan modified, thinking that it would give me some relieve but the monthly payment almost remained the same the interest rate from 3.6 percent to 5.6 percent and from term 273 months to 480 months. I want to keep the house but instead of us the consumers getting the relief its the banks that are getting all the relief leaving us no choice but to agree so they wont foreclose my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCYFILED XXXX XXXX {$18000.00} XXXX XXXX {$3000.00}
Product: Vehicle loan or lease

I was granted an extension to pay my car payment for XX/XX/2021 and XX/XX/2021. In spite of my regular payment being extended and documented, Chase Auto Finance reported my late for the month of XXXX which caused me to lose 55 points on XXXX, 33 points on XXXX  and 43 points on XXXX. I should not have been reported late if Chase agreed to extend the payment. It is unfair to the consumer for a finance company to agree to defer payments, then still report the consumer late during the agreed upon deferrment period. That is technically breach of their own agreement.
Product: Credit reporting or other personal consumer reports

I submitted my request for credit disputes to TransUnion via mail on XX/XX/year>2024. However, I did not receive a response from them until XX/XX/scrub> 2024, with the response letter dated XX/XX/XXXX. This timeline potentially violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which mandates a 30-day period for credit reporting agencies to investigate disputes and either verify, correct, or delete inaccurate information from credit reports.

I am formally requesting a thorough investigation to ascertain the legal timeframe for the receipt of my initial/final letter containing all necessary information for TransUnion 's investigation, as required under 15 U.S. Code 1681i ( a ) ( 2 ) ( A ). Additionally, I request the lawful removal of all disputes that were not addressed within the required timeframe, in accordance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ( i ), to complete the investigation of the disputes I have requested.

Please provide detailed timeline of each part of the process that reflects the actual timeline for my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

The U S. department of education information was deleted then re inserted continuing to show 14 or more accounts reporting with delinquencies after filing an affidavit and several complaints. 

XXXX XXXX deleted as well and they're still reporting on this account in XXXX
Product: Debt collection

Business Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : I received a " FINAL NOTICE '' letter to settle a past due balance with " Juniper '' stating the balance due was {$3400.00}, but could settle the debt by paying {$1700.00}. The envelop was post marked from XXXX XXXX, IL XXXX on XX/XX/2019 XXXX XXXX L. I saved the letter and envelop. I have no knowledge of " JUNIPER '' or any debt to that business. I also read the warning by XXXX regarding XXXX XXXX and its principle, XXXX XXXX. I also read the information regarding the Government Action regarding this actor and business activities, conviction and punishment.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to file a complaint regarding inaccurate and unlawful credit reporting by XXXX, Equifax, and XXXX. These credit bureaus are incorrectly reporting five bankruptcy cases on my credit report that do not belong to me : XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX Over the years, I have disputed these cases multiple times in writing and by phone with the credit bureaus. However, they have failed to remove them, even though the U.S. Bankruptcy Court confirmed in writing that they do not report bankruptcies to credit bureaus ( letter attached ). Therefore, these accounts are being reported inaccurately and should be deleted. 

By reporting adverse information without my consent, the credit bureaus are violating 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), which states that " 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. '' Additionally, 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures designed to avoid violations. '' By not maintaining reasonable procedures to avoid false reporting, XXXX, Equifax and XXXX are clearly violating this code. 

I kindly request the CFPB 's assistance in compelling XXXX, Equifax and XXXX to permanently remove these inaccurate and unlawful accounts from my credit report. Their continued false reporting has damaged my credit. Please contact me if any additional information is needed. 

Thank you for your time and consideration. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have an account with XXXX XXXX XXXX XXXX XXXX that has missed and late payments! I would like this to be removed from my credit because that car was a total loss and the Gap company is supposed to pay the loan its just been a process. But the missed and late payments are inaccurate please remove them along with this loan please. I haven't had that vehicle since XX/XX/year> and it was a total loss so gap should be covering everything because i had Gap insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by Quicken Loans to see if I am interested in their refinance product. They did not ask my permission nor clearly communicated to me that they are pulling my credit report. After we get off the phone, I get a notice on email that my credit was pulled by them. It is not permissible to pull someone credit without their permission when I dont have existing business with them and did not request a credit transaction or business from them. My credit was not AUTHORIZED to be pulled on XX/XX/19 by XXXX XXXX from Quicken loans. It seems XXXX XXXX the quicken loan agent is not even licensed in State of California where I live. 
Their junior client relationships team states that since I have disclosed my SSN to them as lender it makes it permissible for them to pull my credit without my consent. And when I asked them to email me this statement they refused.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership they told me they were only going to pull from one dealership it ended up being multiple which caused my score to drop tremendously! The same thing happened with the mortage company this is most defiantly a lesson learned i will be placing a fraud alert so this won't happen again. 
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 Equifax 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Experian # XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX.Experian XXXX XXXX XXXX # 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 an 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX ran four unauthorized credit inquires on my name as listed below : XXXX XXXX  Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX Inquiry XXXX XXXX 2017 XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX  Inquiry XXXX XXXX 2017 the people responsible were : Finance Manager XXXX, and Office Manager XXXX, Sales Agent XXXX. Car dealerships run you credit multiple times so that your score can go down and they can charge you higher APR. THIS IS FRAUD!! Disciplinary action should be taken against. To start, I specifically told XXXX to not run my credit and I was no longer interested in purchasing the car on Thursday evening XXXX/2017. They still went ahead and ran the credit on XXXX/2017. Once is forgivable. But I went into the dealership Saturday on XXXX/2017 and specifically told XXXX the deal is off, and I asked about the credit inquires, and he mentioned that only one inquiry was made on XXXX/2017 at XXXX ( I recall the time roughly ) to get my credit score. We ended the conversation there without authorizing him to shop for rates for me in XXXX / XXXX/ or XXXX XXXX XXXX . Furthermore, he lied and said if he would shop it would be through XXXX only as they give the best rates and not XXXX or XXXX XXXX XXXX. I would like the credit inquires cleared from my file. and I would like a warning sent to this dealership to better protect consumers. Thank you,
Product: Vehicle loan or lease

On the date of XX/XX/2021, I entered a consumer credit transaction with navy federal in the amount of {$74000.00}. I'm exercising my right as a consumer to dispute an alleged debt under federal law. Pursuant to 15 U.S.C 1692g ( b ) As the consumer, I requested the name and address of the original creditor. Navy Federal shall cease collection of the alleged debt, or any disputed portion thereof until Navy Federal : obtains verification of the alleged debt, verification of the name and address of the original creditor, and a copy of such verification name and address of the original creditor, is mailed to me by Navy Federal.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section by federal law. If any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and for Defamation of Character. Also, if any of my accounts are frozen or closed for exercising my rights as a consumer, I will not hesitate in bring legal action against you and/or your client for the Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and for Defamation of Character.
Product: Credit reporting

XXXX County Tax Lien showing on my Experian Credit Report should be removed as it was filed in error over six years ago. I have submitted several times a copy of the Satisfaction of Lien from XXXX County yet Experian continues to report this incorrect information.
Product: Debt collection

This account does not belong to me. I have no idea where this came from but this definitely is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the following creditors : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 15 U.S.C. 1681a further states : ( 2 ) Exclusions.

Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The term " consumer report within the statue is defined as " In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Within the statue the term " person '' is defined as ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT SER : # XXXX, XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Payday loan, title loan, or personal loan

I obtained a car loan from consumer portfolio services in XXXX of 2012 after paying for 8 years with few late payments which were always paid the principal never went down I finally Gave the car back now there coming after me for XXXX Ive paid them over XXXX dollars can you please help
Product: Credit reporting or other personal consumer reports

My account is only being report to 2 of the 3 credit bureaus which are XXXX and XXXX. The account is not being reported to XXXX. I called XXXX # XXXX ( credit dispute department ) and was told they cant report my account to XXXX. But in the response to my CFPB complaint they said theyll report my account to all 3 bureaus XXXX, XXXX and XXXX. I also call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a total of three times which he did call me back today XX/XX/year> but he ended the call ( yes the call came through but was disconnected so fast that I was not able to accept it )
Product: Credit reporting or other personal consumer reports

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX  and I earnestly hope for a swift resolution.
Product: Credit card or prepaid card

I paid my balance in full via the mobile app, yet received a statement the next billing period for only interest. I have carried a balance in the past and have been paying it down to pay off. When I paid my remaining balance in full via the mobile app, I was presented with the option to pay the minimum, pay the balance in full, or pay another. I selected to pay the balance. The assumption is the balance due would include interest. There was no mention of interest not included, so I expected my payment brought my balance to {$0.00}. When I called about the interest only, I was told the interest is only calculated at the end of the billing cycle after the payment as made. If I had wanted to find out the pay off balance, I should have called customer service for the pay off amount. Nowhere on the mobile app or website does it tell me the total balance due does not include interest and its different than the amount they show as the payoff balance, and nowhere does it mention to call customer service to find out the pay off balance. They are hiding hidden accrued interest charges. The calculated accrued interest needs to be included with payoff balances.
Product: Debt collection

As an employer I have received 2 fraudulent faxed garnishments from this company Apex Servicing XXXX. 
These are not judgments These are not judgments but an agreement the employee is not aware of owing. Apex Servicing XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX. 
Although stated in the letter, no notice was ever sent to the employee