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

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

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


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

As of today 's date, XX/XX/XXXX. I found my XXXX XXXX XXXX credit card limit originally {$500.00} has been reduced to {$100.00} credit limit. My current balance prior to today 's payment of {$35.00} was only {$62.00}. I have been in good standing with comenity bank with my credit card. The only reason I got this card is for XXXX, birthday gifts, etc for my granddaughters. Their birthdays are over the next 2 days, so imagine my surprise when I'm about to make purchases. Comenity banks excuse is a change in my credit report. I received notice today of what is the impression of high usage on this card. I haven't charged on this card since XX/XX/XXXX. They say they received notification of a change in my credit report. I didn't authorize comenity bank to pull my current credit, I hadn't asked for an increase. There was no obvious reason because my account is in good standing to bother my account. There has been a major change today because of what comenity did in the limit decrease. My debt ratio has been negatively impacted with a balance of {$62.00} and now a limit of {$100.00} it makes it look as though I have excessive high usage and lowers my credit score drastically. Also, I had another credit card with Comenity Bank with Wayfair in good standing and it was closed by Comenity bank 5 months ago because Wayfair and Comenity Bank ended their relationship. The Wayfair credit card with a {$500.00} limit was closed with a XXXX balance. The closure negatively impacted and lowered my credit score. There are a major part of my credit change but make up excuses due to their companies business issues. My other credit card with them was not touched but I have used that card more and have a higher balance. This is not good business. If you are going to represent your company has a bank of business and extended credit then you should run business in a legal manner. Don't extend credit then make up a reason to reduce a consumers credit by intimidation if the card is not used up to the credit limit. How much I use, how often I use and when I use is at my discretion and not comenity bank. This a violation of contract and considered predatory actions. Under federal trade, consumer protection and federal credit reporting act. Reporting to the credit reporting agencies a decrease in credit limit is a negative defamation of character, causes harm and damage. It gives the impression I'm not creditworthy or mishandled my account when that is clearly not the case. With the pandemic disaster along with the winter storm disaster here in Texas everything has been behind. The thing to provide happiness on my grandchildrens face and you take that away.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair Credit Reporting act XXXX  Account # XXXX violated my rights 15 U.S.C 1681 section 602 A State I have the right to privacy 15 U.S.C 1681 Section 604 A section 2.It Also stats a consumer reporting agency can not furnish a account without my written instructions Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Product: Credit reporting

Experian will not let me dispute my credit report. Just recently there is a company listed on my credit report went out of business because they were ripping of military soldiers. I was one of those military soldiers. The company in question is XXXX XXXX. I just want to be able to dispute this information.
Product: Money transfer, virtual currency, or money service

I am filing for a complaint against Cash App ( Block.Inc ) due to the inadequate, customer service and unfair practices in which violated the consumer financial protection act ( CFPA ) cash app failed to take timely measures to prevent address fraud on the platform. My account was vulnerable and unprotected also despite resolution process was deceptive cash app did not comply with the error revolution requirements under the electronic fund transfer act ( EFTA ) the actions caused by Cash App have caused significant inconvenience and financial loss I seek appropriate redress for violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a late payment added to my credit file with self financial, inc. I explained to them that my hours were reduced due to COVID-19 restrictions and I've been struggling with my debts but I manage to make the payment on the due date but didn't realize I was 30 days late for 1 payment. So I called Self and told them about the situation and said they couldn't do anything about it even when I explained that I only work 10 hours a week due to COVID-19 restriction and told me to send a goodwill letter to see if they can help me but at the end they denied it and I know that under the CARES ACT if I told them about the situation they can not report me late to the bureaus or help me. I went into this company believing that if one day this would happen they would understand my circumstance since they're suppose to help people who had bad credit history. I been paying on time and I really thought I didn't miss the mark but being at a job only working 10 hours and sustaining my kids mostly by myself and dealing with COVID-19 is a major stress factor and just knowing I worked my XXXX off to maintain my credit intact for almost 3 years the only thing I have clean only for them to not to give me a hand with this especially during these horrible depressing time. I'm really hurt that SELF financial couldn't understand my situation and this has really affected me mentally and physically especially with what I'm going thru right now.
Product: Credit card

I just learned today from a XXXX XXXX XXXX XXXX that there is a XX/XX/XXXX law stating that credit card companies have to give you the option of freezing your account at the current interest rate before raising it. Wells Fargo did not do that for me in XX/XX/XXXX, instead just arbitrarily raising my rate from about 12 % to 30 %, where it has been since. Had they given me that option, I would have frozen the account and it would be paid off today as it has a limit of {$2500.00}. When I left a message for my banker about this, I got no response. 

I recently got fired because I XXXX in the work place and I can not pay my rent, let alone a credit card bill. I need help. The fee for the " non-profit '' counseling center Wells Fargo sent me to is higher each month than the 30 % interest!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

Experian reinserted the XXXX XXXX XXXX Account to my credit report. I have not received notice from this collection agency. They did not send me a dunning letter informing me that they were attempting to collect a debt. This is in direct violation of my consumer rights. Experian did not notify as well within 5 days of reinserting this item. This item should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX dealers company access or share my credit report multiple times without my authorization with more than 5 agencies at the same time and same date. To my understanding when you purchase a house or vehicle during a period of days only one hard inquiry goes to the credit reports. In my case 5 inquiries to experian, 4 to XXXX and 2 to XXXX. All done the same date.
Product: Credit card or prepaid card

I was charged a cash advance fee CASH ADVANCE FEE Account ... XXXX {$10.00} ON STATEMENT AS CASH ADVANCE FEE TRANSACTION DATE Sunday, XX/XX/2023 POST DATE Sunday, XX/XX/2023 PURCHASED BY XXXX XXXX But I received no cash advance.
Product: Credit reporting or other personal consumer reports

Creditor has illegally reaged date last active my account to XX/XX/XXXX to XX/XX/XXXX on XXXX and transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I checked my credit profile and came across inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

My home-based business slowed down in past year. 
I applied for Mortgage loan modification and assistance from my lender. I'm still processing this application with the lender.

One stranger has been pasting demand notices on my front door stating that he bought my house at foreclosure. He's threatening to evict me from my house.

This is my primary and only residence. I may become homeless.

I'm interviewing for full time employment while reorganizing my business.

I want to keep my house .... 

Please help me .... 

XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX
Product: Debt collection

When i moved out of my apartment at XXXX XXXX XXXX XXXX ky XXXX on XX/XX/2015 i called and had my XXXX XXXX XXXX set up to be disconnected but then on XX/XX/2015 when i tryed to move in a new apartment i couldnt put XXXX XXXX XXXX in my name cause i found out XXXX XXXX XXXX never turned the electric off and called and told them and they said all they could do was go shut off so no more money builds up they said they couldnt do anything about it cause the apartment complex told them i was living there still
Product: Credit reporting or other personal consumer reports

I froze my credit report due to the latest nationwide hack, and decided to look at my credit report. There are a huge number of inquiries from a " Transunion consumer inte '' XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as TRANSUNION CONSUMER INTE XX/XX/XXXX, XX/XX/XXXX TRANSUNION CONSUMER INTE XX/XX/XXXX XXXX XXXX via TRANSUNION INTERACTIVE IN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX INTERACT XX/XX/XXXX XXXX via TRANSUNION INTERACTIVE XX/XX/XXXX XXXX via XXXX XX/XX/XXXX, XX/XX/XXXX all it seems transunion related, none of which I instigated in any way. What is going on? And they have no answer. Other than write a letter to us. Went through their " chat '' and " phone '' customer service help.
Product: Debt collection

On XX/XX/year> I provided dividend finance with proof of the primary owner XXXX XXXX death certificate and the grant title deed showing XXXX XXXX joint tenant.. dividend finance has refused to share any information including contract signed by XXXX XXXX and letter showing the debt owed by XXXX XXXX has been discharged.. I sent email requesting for this information
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the Department of Education on XX/XX/2022 stating that the department is discharging my loans without requiring me to file an application because of the persuasive and widespread nature of school 's behavior and under borrower dese regulations ( 34 C.F.R. 685.206 and/or 685.222 ). XXXX XXXX has been inaccurately reporting student loans balances to the 3 credit bureaus ' ( Experian, XXXX XXXX, and XXXX XXXX frequently. I contacted XXXX XXXX by email and phone call on XX/XX/2022, XX/XX/2022 and XX/XX/2022. The student loans with XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX student loans were discharged based on a letter from the U.S. Department of Education XXXX XX/XX/2022 stating that the Department is discharging my loans without requiring I file an application because of the per. 685.206 and / or 685.222 ). I contacted XXXX XXXX verbally and they explained that it is discharged and they will remove it from the XXXX credit agencies. I sent copies of this letter to the email address for Nel net ( XXXX ). I received no responses by email, but it was conformed during phone call with XXXX XXXX that they received my letter each time. I have tried to dispute and XXXX XXXX still keeps reporting inaccurate balances effecting my credit information to all 3 credit agencies. I will attach letter with emails. I am requesting that both item on my 3 credit reports be reported according to federal laws in regards to accurate information. I owe no balance with XXXX XXXX and I have no negative history. I am requesting that this be removed from Experian, XXXX, and XXXX.
Product: Student loan

I consolidated my loans in XXXX. I owed approx. {$40000.00}. I paid every month until XXXX where I was told my loan was sold and it indicated I did not make any payments and owed {$48000.00}. I was struck with XXXX XXXX and couldn't get to my loan. It was sold several more times. I was part of the XXXX XXXX Class Action in XXXX and the loan should have been cancelled at that point. My loan instead was sold to XXXX where I was told I owed {$59000.00}. I was part of the XXXX  lawsuit in XXXX with a personal validation number of XXXX where again my loan was to be cancelled. It wasn't. It was sold again to XXXX XXXX where I was told I owed {$96000.00} where the only record was of two loans from XXXX. I have never taken out a student loan since the consolidation loan in XXXX. My loan then was sold to FedLoan. In XXXX, I went to regulatory resolution services for the federal government and was given an email saying that I should give FedLoan this information that indicated I would be in the class action lawsuit for XXXX XXXX ( see attached email ). My loan was sold to FedLoan where it stands right now and am told I owe {$96000.00}. I sent that information to FedLoan but they say they don't care they paid for my loan and I owe {$96000.00}. I went to XXXX and had them do an investigation. After 2 months they agreed that my loan was cancelled due to the XXXXt Class Action Lawsuit. XXXX has taken the loan off of my credit report and the other two credit reports are in the process of doing the same. FedLoan still refuses to remove this loan that I no longer owe. Can you please make FedLoan remove the loan off of the student loan app and release me from this nightmare. I have not been able to buy a home or do most things due to the outrageous student loan that I did not take out. I paid on the loan for almost a decade and was told I didn't pay a XXXX and now I owe {$100000.00}. I'm in a federal loan nightmare and I just want out. Please please help.
Product: Mortgage

My Disaster forbearance plan ended on XX/XX/XXXX. The qualifying event for the forbearance was a reduction of income. My property was in a FEMA declared disaster area qualifying for individual assistance. According to XXXX XXXX guidelines I should be qualifying for a 12 months payment deferral. 

Please note on my file I previously had a XXXX XXXX deferral. To clear any possible confusion please review XXXX, Disaster Payment Deferral ( XX/XX/XXXX Please see page XXXX on the servicing guide I have attached Disaster Payment Deferral. Please review servicing guide in detail that Previous Covid disaster deferral does not take away my loans eligibility for a disaster deferral.
Product: Mortgage

I contacted RP funding in XXXX to compare their rates with many others. I let them know that we were shopping for rates and considering a 15 or 30 year term with or without cash out, based on what the appraisal came in at. After a few days XXXX reached out to me to offer RP Funding 's rates on the scenarios I mentioned. Since their rates were higher than XXXX, I asked about their Best rate guarantee and forwarded them the quote I had received. XXXX said he would send it over and get back to me. He quickly switched from emails to phone calls to let me know that they were unable to match the rates I was quoted from XXXX XXXX and I was eligible for the {$1000.00}. I asked what I had to do for the {$1000.00}, and XXXX told me that if I indeed closed with this company I would be eligible for the {$1000.00}, they would need the disclosures and he would send me the forms I needed. I emailed XXXX the disclosures and continued to ask for the forms, and anything else that I would need to follow proper procedures. I continued to keep XXXX updated as to our upcoming closing and even continued to ask RP Funding to beat the rate and earn my business. RP funding intentionally left out information that would have helped us and never referred us to or sent us any fine print until 4 weeks after being told we qualified. After closing and submitting the items requested, the company immediately started looking for a reason to disqualify us, first they incorrectly read the date and tried to say we locked our rate a month after contacting them, then they tried to say that we had submitted a quote from a different company which was simply the broker and the bank. It had taken almost a month before XXXX sent me the form and never did I expect we had anything to worry about. He was always very nice and friendly, he even referred to it as my {$1000.00} when he finally sent the list of documents I needed to include. My husband has worked in the financial industry and we were cautious about how we handled things, but this company never intended for us to be able to collect. The general public should be aware that this is just a sceme to collect information about competitors and then make it impossible for the customers to be treated fairly. The company stopped responding to me when I offered to provide any additional information that they might need and finally told me to just be thankful I got a good rate elsewhere.
Product: Credit card or prepaid card

Had Fraud on my checking account for a couple of months that caused my payment to JCP to be  returned and late in the amount of {$160.00}. I submitted the documents to XXXX XXXX, spoke to them on the phone and all I continue to get is letters in the mail that does not resolve my issue. They waived the late fee and stated that since it was a bank issue do to fraud that they would remove the 30 days late. It still appears as 30 days late on my credit report and I have been denied credit numerous times because of it. I am asking that they remove the 30 day late marker on all 3 of my credit reports.
Product: Debt collection

Paid the debt off in XX/XX/2022, to date company has acknowledge receipt of payment but is still reporting to the creditors that the debt is still outstanding, after several disputes through XXXX and XXXX.
Product: Debt collection

I have explained that we are going through a debt relief program on XX/XX/2019 and the company is trying to collect XXXX dollars. I have asked them to quit calling several times and the have the phone number to call the debt relief program. The gentleman is very rude and would not let me explain the situation.
Product: Debt collection

XXXX  I was in a XXXX XXXX but my car insurance should have covered all my medicals expenses. But I'm getting send to collection for XXXX that should have been covered buy my insurance which is XXXX. they even had the wrong address I don't live there any more
Product: Debt collection

Lewis McDonnell & Associates XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX / Lewis McDonnell & Associates are Reporting Inaccurate and Fraudulent Debt Amount on my Credit Report. I reported this to the CRA 's and directly to the company. I requested a Complete Account History of Account Opened, Purchases, and Payment History, necessary to verify legal accurate information. The Account History was not provided and inaccurate information is being reported by company and CRA 's. 

I authorized XXXX XXXX to take monthly payments from my bank account. XXXX XXXX took multiple unauthorized payments out of my bank account several times a month causing additional overdraft fees. I had to close my bank account. I called into to pay off remaining balance of {$200.00}. XXXX XXXX refused my payment and demanded my bank account information. I tried several times to pay off the {$200.00}. and my payment was refused. XXXX XXXX / Lewis McDonnell & Associates are reporting to CRA 's that I owe {$1600.00}. and refuse to provide account history. They are committing acts of fraud and inaccurate reporting they are not being held responsible by CRA 's. 
A complete Account History must be provided for burden of proof in establishing the Validity of Legal Reporting Accuracy. 

Submitted Under Oath & Integrity XXXX XXXX XXXX XXXX XXXX