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

My problem is that's Equifax refuses to remove XXXX XXXX  from my credit report I have made several attempts to get it removed. I have sent in court documents from when I was being sued for the remaining balance of a car that I never agreed to have in my name.. the judge dismissed the case against me without prejudice.. because it doesn't belong to me.. the other two credit agency 's have already removed it!!! 
but Equifax said that XXXX XXXX  said that the information is correct.. that can't be the case since the other two have removed it already.. this is stopping me from buying a house..
Product: Mortgage

We are requesting SN Servicing Corporation to report our mortgage payments backdated from XX/XX/XXXX to present. 

On XX/XX/XXXX, we applied for a Home Equity Line of Credit with XXXX XXXX XXXX and we were informed that there is no record of our mortgage payments from XX/XX/XXXX to present in my financial credit report. 
On XX/XX/XXXX, i contacted the mortgage company XXXX SN Servicing Corporation ) and i was informed that per their internal policy, the company does NOT automatically report the mortgage payments to the credit bureau. The client has to request the company to start reporting it. 
On XX/XX/XXXX, i contacted the mortgage company and requested for them to report our mortgage payments to the credit bureau, The account representative stated the company can start reporting effective XX/XX/XXXX and forward but they can not report any payments made earlier then XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Ally Financial, who appear on my credit file as Ally Finan I numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud.
Product: Debt collection

I am writing to formally request validation of the debt you claim I owe in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have received communication from your company concerning an alleged debt, and I am exercising my right to request detailed verification of the debt. 

Please provide the following information regarding the alleged debt : 1. The original creditors name and address. 
2. A complete and detailed accounting of the alleged debt, including any interest, fees, or other charges that have been added. 
3. Documentation showing that you are legally authorized to collect this debt on behalf of the original creditor or that the debt has been transferred to your agency. 
4. Proof that I am indeed the person legally responsible for this debt, including a copy of the original contract or agreement I signed with the original creditor and my WET SIGNATURE ON THAT CONTRACT. 
5. Details of any judgments or legal actions, if applicable, related to this alleged debt. 

Please note that under the FDCPA, you are required to provide me with the requested information. While this debt is in dispute and validation is pending, I request that you cease all collection activities, including reporting this debt to any credit reporting agencies. 

Failure to provide the requested validation within the legally mandated timeframe will result in my pursuit of any and all available remedies, including the right to request removal of any inaccurate information from my credit reports and reporting violations to the Consumer Financial Protection Bureau ( CFPB ). 

This letter is not an acknowledgment or acceptance of the debt. I reserve all rights to dispute or challenge the debt, and this request does not waive my rights under federal or state law. 

Please provide the requested information to me in writing at your earliest convenience.
Product: Credit reporting or other personal consumer reports

I checked my credit report with Equifax, XXXX, and XXXX, and they all had an old address as 'current ' ( was over 2 years old ) and all were missing my current employement. I submitted a dispute with each, and one of them did not offer an applicable reason as I tried to dispute my address. I guess income does not impact credit score, which seems weird ( I guess it's up to a loan office to look at income in relation to credit score ), but it still seems like those credit agencies should have more up to date information.
Product: Debt collection

In accordance with Fair Credit Reporting Act : This creditor has violated my rights. 

Under 15 USC 1681 section 602 ; States I have right to my privacy.

15 USC 1681 section 604A section 2 ; Consumer reporting agency can not furnish my account without my written instruction.

15 USC 1666B. A credit agency should not treat a payment on an account XXXX XXXX XXXX XXXX XXXX XXXX under an open and consumer plan as late payment for any purpose.
Product: Credit card

On XXXX XXXX, XXXX, I rented a car for use in XXXX, XXXX, from XXXX via my XXXX membership. I declined insurance with the belief that my visa card covered any accident liability. Unfortunately, I found out when I filed an insurance claim that visa does not cover car rental damage in XXXX, along with XXXX other countries. 

If I would have known about this, I would have have purchased car insurance. I am an informed consumer, and I do not bet. I would never drive a car without insurance, in fact, it is probably illegal, and XXXX should have not rented me a car without insurance. 

I feel that this exclusion information was not easy to come by. On a search of visa 's policy on this, I found this at https : //usa.visa.comXXXX # XXXX " Effective XXXX/XXXX/XXXX. Please note : This benefit is available on all XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Rewards cards. 
Protect against collision and theft. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Rewards cardholders receive Auto Rental Collision Damage Waiver coverage for damage due to collision or theft. 
Benefit at a glance Collision and theft coverage on auto rentals. 
To activate coverage, complete the entire rental transaction with your eligible XXXX card and decline the collision damage waiver ( CDW ) coverage if offered by the rental company. 
The Auto Rental Collision Damage Waiver ( " Auto Rental CDW '' ) benefit offers insurance coverage for automobile rentals made with your Visa card. The benefit provides reimbursement ( subject to the terms and conditions in this guide ) for damage due to collision or theft up to the actual cash value of most rental vehicles. '' Nowhere does it say that there are exceptions to this coverage. 

And specifically, I found this on the webpage of my personal XXXX card issuer : http : //financialservicesinc.ubs.comXXXX/UBSVisaXXXX.html http : //financialservicesinc.ubs.comXXXX " Auto rental loss/damage coverage Up to {$50000.00} " Nowhere was it noted that it did n't apply to cars rented in XXXX until I got to this website : XXXX : XXXX " This benefit is available in the United States and most foreign countries XXXX However, no benefit is provided for motor vehicles rented in XXXX, XXXX, the XXXX XXXX XXXX, or XXXX XXXX. '' I have sent my complaint to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UBS Bank XXXX - Disputes XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Car Rental dates : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX  Never XXXX the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I submitted a dispute to Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment delay due to technical error : I attempted to make the payment on time, but XXXX online payment system was down for several days. This technical issue prevented me from completing the payment within the required time frame. The payment was processed as soon as the system was back online, and therefore, the late payment entry is inaccurate. 
Evidence provided : I have attached bank statements and payment confirmation records, clearly showing that the delay was caused by a system error, and the payment was made promptly once the system was restored. This documentation demonstrates that the late payment was due to external circumstances beyond my control. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I recently reviewed my report and notice unauthorized inquires on my report I have sent letters to each company and has still not received and validation. I also submitted my FTC report and have yet to receive a response. These unathorized inquires needs to be deleted immediately. 

FXXXX 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: Payday loan, title loan, or personal loan

I borrowed {$500.00} and a month later I lost my job. I have been unemployed and explained to the company that as soon as I can get a job or find a way to borrow money I will pay them. I have been served papers to go to court despite the fact that I have no job. I can borrow {$10.00} a month from someone and pay but I was told I have to pay the full amount to avoid court. I have no way to do this. Im confused at why if Im willing to work something out why Im still being taken to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 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

On or about XXXX of XXXX I purchased a bed at Furniture Row in XXXX, XXXX. I took advantage of their 60 month no interest financing through Capital One. I immediately set up 59 automatic payments of {$30.00} ( the minimum payment ) and a final payment of {$37.00} to complete the total balance through XXXX XXXX. Upon receiving the care I destroy it as I had not intention of ever using it. I pretty much forgot about it and never even opened the bills. In that time I moved to XXXX   and then again within XXXX and the statements were never forwarded to my new address. 

After 52 payments were completed with no issues, the payment due on XX/XX/XXXX ( which I have records was sent by XXXX XXXX  on XX/XX/XXXX with an expected arrival of XXXX XX/XX/XXXX ) was for an unknown reason not processed by Capital One until XX/XX/XXXX. Remember I was not receiving statements. At this time interest and late fees apparently started accruing on my bill and minimum payments were raised to preposterous levels. 

It appears that for an unknown reason they changed my account number at this time. 
I dont answer phone calls from unknown numbers, so it was XX/XX/XXXX before I listened to a voicemail. In the voicemail I learned that I supposedly had made late payments and less than the minimum payment. At this point I called Capital One. It took a while to figure out what had happened, but I finally did and they removed some erroneous charges, but refused to completely remove all of the late fees due to the inflated minimum payments that were calculated based on a payment that they failed to process in a timely manner ( absolutely no fault of mine ). After multiple phone calls and denied request to speak to someone who could actually rectify the situation I sent a receipt requested mail with all of the evidence of what had happened and a final Paper check payment of what I legitimately owed {$97.00}. The check cleared on XX/XX/XXXX, 4 days before my 58th payment of 60 was due. In the letter I requested that they XXXX my balance, close my account and never contact me again. Approximately a week ago I received a statement with a balance of {$53.00} and a due date of XX/XX/XXXX which I do not legitimately owe and will not pay. 

I am well aware that creditors do not make a significant profit on these types of deals and count on late fees and interest charged for late or missed payments. Since automatic payments are never late they need to employ shady practices like changing account numbers to delay payment in attempts to extract fees and interest not legitimately owed them. 

I request your investigation of this matter. I have include copies of statments as well and a spreadsheet to aid your investigation. You can check my credit history and see that prior to this fiasco my credit rating was over XXXX. Its not about {$53.00} it about the point that I will not submitting to this type of business practice and I will stand up for the countless other that have been subjected to far worse. This type of thing needs to be stopped.
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 this account ( A ).

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.

It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage paid in full on XX/XX/XXXX. 
XXXX mortgage payment was 30-day late. 

Mr. Cooper / Nationstar reported XX/XX/XXXX and XX/XX/XXXX payments as 30-days late to the credit bureaus. 

In XXXX of XXXX, started dispute process for the XX/XX/XXXX ( inaccurate ) 30-day late payment on credit report. 

During new mortgage / home buying process, 2 additional 30-day late payments showed up on this CLOSED account. XX/XX/XXXX and XX/XX/XXXX. Mr. Cooper has not made attempts to quickly resolve this inaccuracies- the new ones or the XX/XX/XXXX. A bad situation suddenly was way worse. Now, closing has been pushed back and we are at risk to lose this house we contracted to buy because Mr. Cooper has made it impossible to get these items fixed. We tried to get them to write a letter stating all of the inaccuracies, but they have struggled to craft something straight forward and effective for the new mortgage people.
Product: Money transfer, virtual currency, or money service

I bank with bank of America. On the XXXX XXXX XXXXXXXX, I mistakenly XXXX {$2000.00} to a wrong phone no.d phone no d money was XXXX to is XXXX belonging to a XXXX XXXX XXXX. I was suppose to XXXX XXXX money to XXXX XXXX XXXXI called my bank immediately for cancelation. But was told XXXX customer care service works Monday _Friday and they were already close. I went to my bank d next day Saturday XXXX XXXX. I was given d complaints dept phone no.I called on Monday d XXXX XXXX XXXX and explained to d associate i spoke with her name is XXXXshe told me that d bank will file a dispute claim and get in touch with d anti fraud department of d receiver bank. I was told it will take d bank about 45 working days to get back to me.unfortunately in less than 3days i got an email from my bank that they were not able to help me retrieve d money. I was told to get in touch with d receiver. I was also told that d receiver banks with XXXX XXXX. I have called d receiver severally, he's refusing to return my money. On one occasion d wife picked d phone and threatened me that it's a windfall and nothing can be done to them.I called XXXX XXXX  customer service. I was told that it's only my bank ( bank of America ) that can contact their anti fraud department. I called my bank again and gave them d information from XXXX XXXX  I was promised that they will reopen my dispute claim. I will get a feedback from them in 10 working days. But d very next day, I got an email from my bank that they were unable to help me retrieve my funds.
Product: Credit card or prepaid card

Good afternoon. I'm a credit counselor and am embarrassed and frustrated this is happening. I have two issues : 1. I have an XXXX credit card that is closed and I am paying down the balance. I am unable to get a monthly statement from XXXX because my cell phone is an older model and I get a message that I need a newer phone to use their mobile app. I called XXXX on XX/XX/2023 at XXXX and explained the proplem. I was told XXXX can't email me a statement for security reasons and they would send me my statement via US mail. It's exactly one mnoth later and I haven't received any mail from XXXX. I use the US Postal Service Informed Delivery service where I get an email from the US Postal service alerting me of any mail I will be receving from them inlcluding scanned images of the mail I will be getting in my mailbox so I know and have documentation that XXXX hasn't sent me my credit card statement via US mail. 
2. I have another phone I don't use but it's a more " modern '' phone and I was able to add the Oppfi mobile app to this phone hoping to get my credit card statement. However, when I try and login the login screen offers me two choices at the bottom of the phone screen : Apply Now and Sign In. I chose Sign In twice and XXXX instead processed two requests from me asking for an XXXX card. I have a photo as an example. I called XXXX on XX/XX/XXXX at XXXX and had a 22 minute conversation with XXXX XXXX this issue. The XXXX representative noted I had previously called on XX/XX/2023 and also acknowledged other XXXX customers called to complain about this issue of customers unwillingly appying for another credit card. This is a hard pull on my credit twice.
Product: Credit card

on XXXX XXXX, I called the pay by phone line for my Bank of America AAA credit card to make a payment. I made a payment of the last statement balance of XXXX. 

this amount was debited from my checking account twice, on the same day, Monday XXXX XXXX, XXXX when XXXX XXXX notified me on XXXX XXXX, I called Bank of America and requested a refund. I was told it would take XXXX five business days. 

on XXXX XXXX, the money was still not in, so I took a loan to cover my mortgage and stop the {$35.00} fees charged daily. of course I followed up with a call to bank of America. 

I called again to bank of America on XXXX XXXX and XXXX. I called again on the XXXX, and they said it would take seven days, but should be in by the XXXX. 

I called on the XXXX, and they said it had just been approved, because someone from Bank Of America has submitted for a refund twice. because they made a mistake, it would take another 7 business days before I could get a refund. 

has anyone ever taken money out of your account? should n't they have returned it sooner? I ca n't pay bills, gas, food, until I get my {$2000.00} back!!!!! 
can someone please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its is show that I have two liens which I don't. I have attached my certificate of release of federal tax lien