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

My account with EXPERIAN 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 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. 


EXPERIAN 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: Mortgage

We have bought our first home in XX/XX/XXXX FHA with On Q Financial. Unfortunately, we got sick in XX/XX/XXXX and was out of work for two month and a half. We were out from XXXX, XXXX and mid XX/XX/XXXX. As soon as we told out employers they told us we couldn't come back to work until we tested negative. That was back in mid XXXX, but during that time we contacted On Q financial and told them the situation and submitted proof that we tested positive of XXXX, They told us to apply for the COVID program, were they required for us to submit and application and proof of income and other documentations in order to get approved. I started the paper work in end of XXXX before we get behind but, it was a back a forward with they about the paper work. I could never get answer as of what other documentation they needed and why they needed it for. All they would message me was that i was missing document until sometime in XXXX if am wrong we got a letter that we got denied. but during all that time we became behind on our mortgage 3 months. Which is what we currently behind, we have been paying but it been hard to catch up with since are also behind on other stuff. ( car, insurance, bills ) but we are doing our best to get back on our feet.
Product: Checking or savings account

Navy fed was charging me overdraft fees from the oops program and if somebody subscribes something and charge your card unauthorized they charged XXXX XXXX bucks and every time I go to take money out from the atm they charge me XXXX on top of wat yu take out
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I try to make a transaction from my Discover savings account to my external checking account the same one that funded my Discover account. Once I made the transaction, it was flagged as fraud who is contacted by the security team to confirm I made the transaction. Once I confirm my identity I was told that my account was safe and that Id be able to make the transaction again within XXXX to XXXX hrs but about XXXX days later I noticed that I couldnt transfer anything in my account as well as could not access my account information and overview. I contacted their customer service and was told that my account was under review and since I confirmed my identity a second time with the security team that I would be given access to my account soon. And the representative mentioned how I added a joint account holder, and that is why my account would be under review, but I had stated that my joint account holder was already processed and accepted, so my account should not be on hold because of this since I had done it the month before, I believe I talked to them that day XX/XX/XXXX. Then I had to call the next day and ask what the update on my account was and what was going on with my account and every time I call to talk to a supervisor or a XXXX, they tell me different they dont mention that my account is under review because the a joint account holder added they just state they cant do anything, that my account is under review and Until its done reviewing, I will not have access to my account or funds.That day, I made a complaint to a supervisor about the matter stating that I was very furious and that I needed my funds available immediately and I was just dissatisfied with Discover online baking, and I also request to have the account closed so that they could send me the funds via check and I was told I couldnt do that since the account was under review. Today is XX/XX/XXXX and I called Discover again to see if theres any update on my account. There was still no update. Nobody could give me any information on the account. Nobody can even give me information on how long I should expect this to take or a proper timeframe of when this matter should be resolved so I made another complaint today. And I have to escalate the situation further because Discover is not taking my issue seriously and not giving me the proper consideration that these are my funds and I made the transaction so there should have not been any fraud flagged for my account. And we just makes it even worse as they didnt even give me proper notifications that my account was still under review and suspended. All they gave me was an email saying that my account was suspended and that I need to contact customer service to clear up the confusion. I never received any additional documentation saying that my account was under a review for a certain reason and no one can verbally tell me the reason either.
Product: Credit reporting or other personal consumer reports

It was a real shock when I saw incorrect accounts listed on my credit report today, and I honestly dont understand why. I always check my credit report, and this time, these discrepancies came out of nowhere. I even refreshed the browser to see if it was an error, but the accounts remained. This situation is really worrying, and Im asking that my documents be thoroughly reviewed so I can have peace of mind and never deal with this again.
Product: Credit reporting

I received some phone calls and the attached letters from the company and I do n't ever remember ever having this credit card. In 2010 I went to my Credit Union, XXXX XXXX XXXX XXXX and enrolled in their credit education program. It took me about 3-4 years to get all my reports cleaned up and paid so that I could retire and buy a home. About a month ago I received the first letter then phone calls that left voice mails. I sent a Cease and Desist letter and have heard nothing since but now they have put it on my credit report. It also is way over the statute of limitations in the state where this agency is and the state where I live anyway
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I was advised by a TransUnion rep to fill out this report because of unauthorized inquiries in my report, please remove all these Unauthorized inquiries on my report. Use same format as before and list inquiries : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the following correspondence to credence on XX/XX/XXXX : Dear : Credence Resource Management On XX/XX/XXXX I noticed this debt on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and Louisiana Fair Debt Collection Statute RS 9:3562. Please forward the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. 
I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. 
Aside from verifying the debt, do not contact me about this debt. The FDCPA require that you honor this request. 
Sincerely, XXXX XXXX On XX/XX/XXXX they let me that they had received my complaint and would investigate. On XX/XX/XXXX I requested the results of the inquiry in writing with additional calls on XX/XX/XXXX and XX/XX/XXXX with no response. The company then responded on XX/XX/XXXX indicating they were still investigating. I then called the same day and received no clarity.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with Insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

4 months ago I applied for the American Express Magnet Card that came with a XXXX signing bonus once you spend XXXX $ in the first three months. So I applied and got accepted within minutes and I had a debt I had to pay for college so it was a good deal for me. I payed up my college debt of XXXX using the card after three days of receiving the card and I was told by a representative that I will soon be getting my XXXX $ bonus in a couple of months in my account statement. Two days ago on XXXX I called and they told me retroactively I want eligible for the promotion and will not be getting the XXXX $ bonus. This after their representative explicitly told me I will be getting the bonus ( which they dont dispute, they said he needed coaching ) so I was never informed that I wasnt eligible and actually was explicitly told I will be getting the bonus so Im very disappointed in their customer service and their lack of ethical behavior. I wonder if this has to do with deep seated systematic racism that has transpired over the numerous phone calls Ive had with this company. I can only hope that during this challenging time that a company like Amex will not let such a travesty occur ever again.
Product: Checking or savings account

For the past several YEARS ; I have been a victim of XXXX ( min civil suit penalty of $ XXXX for life-threatening damages ) practices by organized XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Nevada XXXX Texas XXXX New York, and XXXX who have engaged in a pattern of XXXX  activity. My identity was stolen. My medical records were XXXX XXXX XXXX XXXX XXXX. There has been interstate stalking and harassment. My children  were injured and they are influencing the case by trying to get the XXXX driver a lighter sentence than a felony. They injured my XXXX brakes, and tampered with my gas tank which totally damaged my vehicle to prevent me from traveling. They have people on the payroll who abuse the mailing system to delay and withhold my mail on purpose. I opened my account at PNC Bank back on XX/XX/2022. Everything was fine until late XX/XX/2022. I started having issues with my debit card transactions. Employees who XXXX need another background check ( Level XXXX ) at PNC Bank kept changing my mailing and billing address. The past couple of days, I have had weird conversations with employees stating 'they need to know exactly where you live - your physical address where you are '. The constant changing of my address is causing my transactions to decline and wire transfer issues with XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My case relates to Equifax Confirmation # XXXX the alleged bankruptcy that is reporting on my credit report. I sent a dispute letter to Equifax XX/XX/21. Along with this dispute, I provided documents from the Courthouse Clerk that the bankruptcy court does not report to the credit bureau, A letter from XXXX that the bankruptcy was not verified and has been removed, and a copy of the letter that XXXX states their resource to verify bankruptcies is XXXX. I requested this item to be removed from my credit report because it does not comply with FCRA 611 ( 15 U.S.C 1681I ) and in violation of the Fair Credit Reporting Act. Equifax did not properly investigate my dispute and take in consideration of the supporting documents. In response, I received a letter on XX/XX/21, dated XX/XX/21 from Equifax stating the company has verified the information and has certified to XXXX that the information is accurate. However, this is false because courts don't report to agencies/credit bureau , XXXX could not verify the alleged bankruptcy and was removed. If XXXX is the source that XXXX uses to verify the alleged bankruptcy. How is the bankruptcy verified and accurate? As a result, I would like for CFPB to investigate this matter. Copies of the Disputer letter and supporting documents has been attached.
Product: Prepaid card

On XX/XX/year> my account was fraudulently accessed and I experienced a complete account take over. After having over XXXX interactions to resolve and dispute the fraudulent transactions with customer service in which my account was charged over {$96.00} in fees, there has yet to be any resolution on my account. I have not been able to review any reasonable assistance with resolving these issues with XXXX customer service. Please assist.
Product: Vehicle loan or lease

In XX/XX/XXXX, I bought a new car from XXXX XXXX in XXXX. On XX/XX/XXXX, I found out the dealer falsified my interest rate, corruptly increasing my preapproved rate of 0.09 % on my XXXX, XXXX credit scores, without my consent, justification, or authorization to 6.65 % over what was approved to be by CapitalOne Auto Finance, at 0.9 %. That low rate was advertised on TV in the Washington, DC area. 

In further review and speaking with CapitalOne Bank 's local CSR and Mgr., it was confirmed that by XXXX XXXX increasing by fraud, my interest rate, their criminally inflated processing fee of {$700.00}, while also fraudulently including the {$800.00} GAP and {$4000.00} Warranty, exceeded my approval for a different car CapitalOne was ap approving at {$39000.00}, not {$45000.00} at payments of {$450.00} instead of {$760.00}. 

Since XX/XX/XXXX, CapitalOne Auto Finance has repeatedly made excuses why it will not correct by refinancing my discovered illegally made RISC ; And CapitalOne has also ignored XXXX XXXX 's TILA and FCRA, consumer fraud It, CapitalOne Auto Finance knew, was [ made ] aware of, and both XXXX XXXX and CapitalOne had, thereafter, engaged in a criminal scheme to perpetrate against a consumer, consumer fraud conspiracy under Federal and State 's criminal Statutes and Codes, Laws, making it a crime for a bank to know of TILA, FCRA, contract frauds as demonstrated and shown by the facts and documented evidence. ( See. FTC v. Auto Dealer 's FRAUDS, XX/XX/XXXX ). 

According tto CapitalOne Auto Finance, their attorneys ordered and directed XXXX XXXX to cancel the first contract and rewrite the new contract with the removed illegal charges, interest rate and with the correct total of the loan not to exceed {$39000.00}, their maximum new car loan amount being {$40000.00}. 

Can your firm help me to have TILA and dealer fraud and consumer fraud criminal charges instituted against XXXX XXXX, its business manager, and owners who repeatedly have ignored CapitalOne Auto Finance 's directives to cancel and rewrite and that has since cost me more than {$4000.00} in excessive car payments, interest charges, and other charges that was incurred to keep my XXXX, excellent credit score. 

Thank you. 

Respectfully yours XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian are violating my FCRA rights and FDCPA They won't remove delete wrong inaccurate unproved uncompliant untrue allegations from my credit report. they keep saying its verified without verifying. 
The entry reads : [ Collection /Chargeoff Accounts : Accounts seriously past due ] [ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX Experian XXXX Account # XXXX XXXX XXXX -- High Balance : {$800.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$0.00} -- Closed Date : XXXX -- -- Account Rating : Paid Paid -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Complete Department Stores - Clothing All Banks XXXX Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Payment after charge off/collection Settled - less than full balance Account legally paid in full for lass than the full balance. 
Unpaid balance reported as a loss by credit grantor. 
Account legally paid in full for less than the full balance. 
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$500.00} {$500.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX entry reads : -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX Experian XXXX Account # : -- XXXX -- High Balance : -- {$5400.00} -- Last Verified : -- -- -- Date of Last Activity : -- XX/XX/XXXX -- Date Reported : -- XX/XX/XXXX -- Date Opened : -- XX/XX/XXXX -- Balance Owed : -- {$5400.00} -- Closed Date : -- -- -- Account Rating : -- Derogatory -- Account Description : -- Individual -- Dispute Status : -- Account not disputed -- Creditor Type : -- Bulk Purchase Finance -- Account Status : -- Closed -- Payment Status : -- Collection/Chargeoff -- Creditor Remarks : -- Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
-- Payment Amount : -- {$0.00} -- Last Payment : -- -- Term Length : -- XXXX  Month ( s ) -- Past Due Amount : -- {$5400.00} -- Account Type : -- Unknown - credit extension, review, or collection -- Payment Frequency : -- -- -- Credit Limit : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- With Truncated Account Numbers. This information is being reported erroneously and illegally under the provisions of the Fair Credit Reporting Act, section 611 ( a ) ( 1 ) ( A ). 
This account was paid and satisfied as agreed. This account was never charged off as listed or went into collection as listed.
Product: Credit reporting or other personal consumer reports

I have been your FAITHFUL CUSTOMER for SEVERAL YEARS and have ONLY 2 LATE FEES REPORTED ON MY CREDIT REPORT. THIS MAY BE DUE TO SO MANY FACTORS. I want to believe that the late fees applied to my account may have been assessed in error or under circumstances that warrant reconsideration. According to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681a, which provides important definitions and protections regarding consumer reporting, I am exercising my rights under this law to ensure that my credit information is handled accurately and fairly.

Given the provisions under 15 U.S. Code 1681a and the broader requirements for accuracy and fairness in credit reporting, I respectfully request that you review my account and reverse the late fees that were improperly applied. It is essential that my credit history accurately represents my financial behavior, and I believe this action would align with the requirements set forth in the FCRA.