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

My account with XXXXXXXX XXXX XXXX XXXXXXXX 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 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. 


XXXXXXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am a monthly subscriber to their monitoring service. I am able to view my report online. 

However, I am not able to view the results of any dispute or issue, because they tell me they can not verify my information. How is this possible, when I am able to log in to my report? And how am I receiving their emails? 

This makes no sense. Clearly, they have a system problem and must have incorrect information about me in their files, which needs to be corrected. 

If they have incorrect information about me, they need to make me aware of it so it can be corrected.
Product: Student loan

I've been paying off this loan now for 14 years my grandson agreed with Sally Mae and they have changed to so many different companies giving me the run-around as of now it's navient to go to XXXX University. I've paid over XXXX in student loans and it seems I'll never have this paid off with the interest they have racked on this loan. I've asked for help and this has put me in the biggest hole of my life I'm XXXX years old and need help but no one will help me.
Product: Vehicle loan or lease

Pursuant to 15 usc 1602i I as the consumer am the original creditor. In accordance to 15 USC 1692 Ally Financial is criminally liable. I also was never given paperwork in regards to my loan information or car purchase. 
Furthermore, Ally is also civilly liable for double the amount of my finance charge in accordance to 15 USC 1640, and they are liable for each FDCPA Violation pursuant to 15 USC 1692K. I am demanding that they zero out the balance of this alleged debt and update my consumer reports, as well as remit payments to me for violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello there to whom it may concern on XX/XX/2022, I had extended my credit towards purchasing a new are used vehicle I was denied after a few days later I started to receive mails of adverse actions stating that they were unable to grant me credit after checking my consumer reports I saw derogatory information that was no supposed to be on a consumer report pursuant to 15 usc.1681 This means federal laws has been broken which is a violation of my consumer rights. I had disputed these items with Equifax which keeps coming back verified/factual I was never a part of the initial investigation or the reinvestigation I wasn't given a chance to to deny these alleged allegations these grave mishaps of Equifax are hindering me and my family from enjoying life as a consumer I am willing to look away if they remove these items or I will further escalate the matter i have given Equifax more than enough time to correct these errors. Equifax refuse to compile see exhibit A & B Thank you for your cooperation the consumer naturally person
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I had tried setting up Auto-pay for our mortgage account ( Loan # XXXX ) back in XX/XX/XXXX with our lender XXXXXXXX XXXX shortly after we came out of our forbearance period. 

Unfortunately, the auto-pay request never fully finalized through their portal, and the lender did not automatically draft XXXX 's mortgage payment. 

Our payment ( XXXX ) were never drafted automatically which I was not aware of, and I am now told XXXXXXXX XXXX reported a 30 day late payment for the month of XXXX to the credit bureau 's without notifying us by phone, e-mail, or mail in advance. The lender sent a notice, but the mailing notice had two addresses listed ( my old address in XXXX XXXX and my current address in XXXX XXXX ), which would not have been properly delivered by USPS. I spoke with a representative from XXXXXXXX XXXX  who also confirmed via telephone that the mailing address on the notice was incorrectly labeled and would not have been delivered properly therefore in which we were not notified our account was past due. I only realized our account was past due when I received XXXX 's statement in the mail and I noticed our balance had a carry over from the month before. 

I would like to officially dispute and reverse the 30 day delinquent reporting for the month of XXXX on this account. We've never been late with making a payment to XXXXXXXX XXXX  since we've owned the property in XXXX, and this is XXXX of XXXX other loans we currently have where we have never been late or missed a payment with any of our lenders. 

Please let me know what we can do to resolve this matter so our credit is not negatively impacted. 

I appreciate your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I have been a customer for almost 10 years with Bank of America and am truly dissatisfied with the service as of late. I deposited a check on XX/XX/XXXX and was told that it would clear by the next business day just to receive a notification an hour after the deposit was made, stating it would be held for 9 days ( XX/XX/XXXX ). This was a check from the same company that has been depositing in my account for over 4 years. When I asked for partial funds to be released, I was also told it couldnt. Now my account is in the negative and I have serval fees adding up for bills returning unpaid, being late, etc. Verification with other financial institutions that are large and not small business, should NEVER take this long in holding someones hard earned money, especially during this time of extreme inflation. Had I known it would be held that long, I wouldve cashed the check with a third party or deposited into a different bank that releases partial funds. This has brought extreme hardship to my life and I will certainly not be recommending anyone else to this bank. The process in place for check holds needs to seriously be re-evaluated.
Product: Debt collection

Getting a letter telling me Im being sued and if not Im going to be. XX/XX/24 Ive tried to negotiate a settlement and wont.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have maintained a credit score in the 800+ for the past 20 years. 

On Monday XX/XX/XXXX, I applied for a home equity line of credit and was advised by the bank that my credit report showed a charge-off and collection status for an American Express account in my name. This information was reported to the credit reporting agencies by American Express ( AMEX ) in or around XX/XX/XXXX. Therefore, my application would not go forward. 

Between Monday XX/XX/XXXX to today ( Thursday XX/XX/XXXX ), I have made over 100 telephone calls and sent several e-mails ( copies attached ) to AMEX. AMEX has not issued the letter they promised to send me stating that the report they made to the credit bureaus was an error and would be deleted from my account. E-mails and telephone calls to the chairman 's office and executive office have been ignored. AMEX refuses to provide any information whatsoever regarding the application information associated with this account they provided to the credit reporting agencies. I also filed disputes with the credit reporting agencies but the incorrect information reported by AMEX report WILL NOT BE REMOVED until AMEX initiates removal. I HAVE NEVER APPLIED OR CARRIED AN AMEX CARD. I HAVE NEVER LIVED IN TEXAS.

3. I have lived at two ( 2 ) addresses for the past 30 years in homes jointly owned by my wife and I. I never lived in Texas, but American express reported a Texas address associated with the derogatory account information AMEX reported to the credit bureaus. I never receive a call or any mail regarding this account from AMEX or any collection agency. I have been married ONCE and will celebrate 30 years next month. ALL CREDIT APPLIED FOR IN THE LAST 30 YEARS HAVE BEEN DONE JOINTLY WITH MY WIFE. 

4. I am now withdrawing the needed funds from my XXXX and will have 20 % withheld as well as other penalties. 

5. I am over XXXX years old.
Product: Mortgage

My loan was refinanced under HAMP XX/XX/XXXX-XX/XX/XXXX. XX/XX/XXXX I received a letter From Nationstar Mortgage that I qualify for the {$5000.00} principal reduction because I was in my 6th year with no late payments. I just need to fill out the form ( XXXX ) and return it to them. I sent the letter XX/XX/XXXX. By XX/XX/XXXX I did not hear back from Nationstar. A couple more months went by and XX/XX/XXXX I reached to Nationstar and was told it was denied because it was after the deadline of XXXX XXXX. Even though they told they received the letter almost 3 months earlier. Then I spoke to a CSR on the phone they told me I was denied because the form was filled out incorrectly. My wife & and I signed the form, but only put the last XXXX digits of our SS #. Even though we were never contacted or received any correspondence regarding missing information as they stated. the form was received so I sent an email to get a confirmation. They responded saying they received the letter and would contact me if additional information was needed called and emailed Nationstar if my form was received with no response. Finally I got a person in the research department that said it was an error by Nationstar and we would receive the principal credit.Then in next month I received a call regarding refinancing my loan. I asked specifically if I refinance the loan under HARP if it was affect us getting the principal reduction. I was told it would not affect and that Nationstar would either send us a check or deduct the new loan. Now that the loan was refinanced XX/XX/XXXX Nationstar is saying the loan does no qualify because to was paid off. At every turn Nationstar dragged their feet getting me information, answers, the opportunity to correct any errors and flat out lied about the pay incentive program to make money on a refinance I would not have done. If they were doing this to me they have done it to others. This could have been avoided with a simple phone call, email or letter stating it was denied so I could have sent an corrected for which was only missing the beginning of our SS # s.
Product: Debt collection

This account was closed by me in 2009 and XXXX charged me fees after closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; OXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Student loan

I filed a chapter & bankruptcy to legally discharge the supposed debt I have with XXXX XXXX XXXX XXXX XXXX. This was presented to me as a private loan through XXXX XXXX that could be used for college expenses or personal expenses not related to school. Obviously, not one dime of this money was used toward college or I wouldn't owe the federal government over {$80000.00} in student loans today. My credit report is showing this matter as having been closed ( see attachment ). I already paid over {$2000.00} to XXXX, XXXX XXXX XXXX after the bankruptcy because I was unaware that they had no right to further collect on a discharged debt nor could I afford an attorney at that time. My current attorney sent a letter to them last year which subsequently led to the debt being removed from my credit report as closed. I was served with suit papers with a court appearance scheduled for XX/XX/2018 in XXXX XXXX court by XXXX XXXX XXXX the latest law firm to take over these collection practices. They had attempted collection last XXXX via mail and I replied via email that this debt was legally discharged via Chapter XXXX and brought up the lawsuit by Consumer Financial Protection Bureau against XXXX that stated collection could not be pursued while the audit of over 800,000 records was in process.
Product: Credit reporting or other personal consumer reports

Dear CFPB ( Consumer Financial Protection Bureau ), I am writing to describe an issue I have encountered with Capital One, a major financial institution, regarding inaccurate account reporting on my credit profile. Below is a summary of the events, including dates, actions taken, and amounts involved : XXXX. Date of XXXX : XX/XX/2023 Upon reviewing my credit report last year, I noticed an account listed under my name with Capital One. This account was reported as an authorized user account, which I dispute as inaccurate. 

XXXX. Lack of Authorization : I want to clarify that I have never signed any agreement with Capital One nor authorized the use of any account associated with them. The reported account is not mine, and I have never consented to being listed as an authorized user. 

XXXX. Dispute Actions Taken : - Immediately upon discovering the inaccurately reported account, I initiated disputes with all three major credit bureaus ( XXXX, XXXX, and XXXX ) in 2023. 
- I clearly outlined the discrepancy, provided supporting documentation, and requested a thorough investigation into the matter. 

4. Lack of Resolution : - Despite my repeated efforts to dispute the inaccuracies, the reported account remains on my credit profile without any corrections or investigations conducted by Capital One or the credit bureaus. 

XXXX. Violations of Consumer Rights : - Capital One 's failure to accurately report account information violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
- The inaccurately reported account has adversely affected my creditworthiness, making it difficult for me to access favorable credit terms and opportunities. 

I am submitting this complaint to seek assistance from the CFPB in resolving this matter. I understand that you may require additional information to help identify me and my account, and I am willing to provide such details upon request.

Thank you for your attention to this complaint. I trust that the CFPB will take appropriate action to address this issue and ensure that justice is served.
Product: Credit card

On this day at approximately XXXX I received a call on my personal cell from XXXX I did answer it. And it was a rep from First Bank Card. Before she began to ask me any questions I asked her why is she calling me at XXXX, she stated she did n't realize what time it was. I stated " you call me every day, so why are you call me at XXXX in the morning '' " Do you know this is a violation of the CFPB '' and she stated yes and then went quiet on the phone, and I told her I would be in contact soon. Once I hung up, I picked up my other phone to see if they had called that phone, and she sure did at XXXX and she left a voice mail as well. I will attach the vm and the phone log. The bill was paid the day before and has always been paid.
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and XXXX XXXX XXXX XXXX have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : ACIMA DIGITAL FKA SIMP - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXXXXXX {$390.00} XXXX XXXX XXXXXXXX {$420.00} XXXX XXXX XXXX XXXX XXXXXXXX {$700.00} DOE XXXX - XXXX al {$1200.00} DOE XXXX - XXXX al {$2000.00} DOE XXXX - XXXX {$7700.00} DOE XXXX XXXX XXXXXXXX l {$4000.00} DOE XXXX - XXXX {$2500.00} DOE XXXX XXXX XXXX {$2500.00} DOE XXXX XXXX XXXX {$4000.00} DOE XXXX - XXXX {$3800.00} DOE XXXX - XXXX {$2200.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX - XXXX {$290.00} XXXX XXXX XXXX
Product: Debt collection

i dispute the Validity of this debit, i've never done business with XXXX
Product: Vehicle loan or lease

Navy Federal gave me a preapproval for an auto loan late used model 72 months at 5.7 %. two weeks ago I purchased a car I was under the impression that I was paying 5.790 % 72 months. I went to sign my truth and lending disclosure today. Navy Federal has jumped my rate up from 5.79 % to 8.89 % nobody at the company can tell me why, they continue to say its because of the vehicle that I bought, it doesnt add up. I dont have bad credit. I pay my bills. I have 100 % payment history. I have a credit card with Navy Federal never missed the payment. Never had any issues. This is predatory lending and I feel like they are discriminating against me because Im a person of XXXX. Nobody at that company can give me a solid explanation. What I want is for them to honor my rate at XXXX or give me this vehicle free and clear before I sue them.