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

My account with TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION 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 XXXX and It was never provided. 


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


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Equifax is reporting inconsistent and inaccurate information regarding my XXXX XXXX  XXXX account ( Account # XXXX ). I compared my credit reports from all three major credit bureaus and found significant discrepancies that violate the Fair Credit Reporting Act ( FCRA ). 

Inconsistencies in Equifaxs Reporting : Date of Last Activity : XX/XX/XXXX ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ) Date Reported : XX/XX/XXXX ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ) Creditor Remarks : Consumer disputes this account information. Charged off account. 
This differs from XXXX XXXX XXXX, making the charge-off status unclear. 
Payment History : Equifax reports continuous charge-offs ( CO ) for over 24 months, which suggests potential re-aging, a violation of FCRA.

These inconsistencies violate 15 U.S.C. 1681e ( b ), as Equifax has failed to maintain accurate and consistent information. Furthermore, 15 U.S.C. 1681i ( a ) ( 7 ) requires Equifax to provide a detailed description of the reinvestigation process, which I have not received.
Product: Debt collection

I was informed by XXXX XXXX that they were an authorized XXXX  provider in the XXXX XXXX XXXX XXXX XXXX  Plan. They were listed in the XXXX provider directory as well. I made an appointment for a XXXX XXXX, I paid XXXX XXXX {$140.00} for the procedure. They told me the balance was billed to XXXX. Several months later I received a bill for {$120.00} from XXXX XXXX. They told me XXXX did not pay them so I must pay more. XXXX XXXX informed me that they lied to me and that they were no longer in the plan when the procedure was performed. 
I feel this is a scam, I could have had the work done for {$100.00} at 3 other XXXX providers. 
They have turned this claim over to an agency that has messed up my credit with a phony collection claim. 
I do not have the funds to fight them. 

Thank You for your help
Product: Debt collection

Firstly, I was double charged by XXXX and I told them about and they said it was because a reverse payment in XXXX. Remind you its XXXX. They also charge me a late fee. I told them I will not be paying for. Mind you Ive been a loyal customer of two years, never missed a payment, I actually paid the bill that was due in October, I just would pay the double charged. I called to talk to a manager, got a hold of her, and was told that Id receive a call to fix it, never got the call. Then I messaged customer service. They agreed that I shouldnt have been charged, but that I still had to pay it. I told them im not paying the XXXX charge or the late fee. So they dropped the late fee. But still tried to make me pay the double charge. I told them I wanted to cancel my line because of the lackluster support. It was all about money and not customer loyalty. So they dropped the line. Never told me Id have a debt collector harassing everyday asking for money, or that Id need to pay anything before dropping said line. They sent my rerun papers and that was the end of that. Now my credit score has dropped XXXX XXXX  because of this falsity and lack of communication. They also asked me to talk with my bank and my bank said they saw nothing on there side of a reverse payment. This should have been a dispute between XXXX and my bank, but no the easier route is to pick on the loyal customer and force money from the when theyve paid every month on time.
Product: Credit card or prepaid card

On XX/XX/2017 I purchased an XXXX XXXX from an XXXX store using my Citi credit card. After one month of normal use, the display of my device spontaneously shattered, obviously due to internal pressure in the glass resulting from a manufacturing defect. My device was still under the manufacturer 's warranty at the time, which specifically states that they will cover all manufacturing defects and that I can bring my device into an XXXX store for repair. XXXX however refused to honor their warranty and further refused to issue me a refund. 

I therefore filed a credit card dispute with Citi, citing XXXX 's breach of warranty. XXXX responded to my dispute with an internal receipt showing my purchase. This was of course irrelevant, as I never disputed my purchase, I was disputing XXXX 's failure to uphold their warranty. It was obvious at this point that no one at Citi had bothered to actually review my case, as I made it extremely clear that I was disputing only the warranty. 

I attempted to remedy the situation by further communicating with Citi, however each time a Citi representative parroted a meaningless " there's nothing we can do '' statement, while citing events that never happened and requesting proof for nonexistent events that are impossible to obtain - including claiming that XXXX has already credited me a refund and demanding that I show proof that they did not ( it is impossible to show proof of an absence of refund ) and asking me to provide proof that XXXX failed to uphold their warranty ( again, it is impossible to prove the absence of repair services ).
Product: Credit card or prepaid card

Chase is discriminating against me and opened a brand new business credit card for me and then literally shut it down 1 week later. This is wrong. I have perfect credit. they approved this account, I did not even get a chance to use it and they closed it.
I was a victim of fraud last year and Chase is discriminating against me and closed down all of my cards due to ME BEING A VICTIM > this is illegal.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes inaccuracies in my credit report. 
Despite my submission, Equifax consistently responds within 24 hours stating the accounts Account ID : XXXX Account ID : XXXX Account ID : XXXX 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. 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, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

- On XX/XX/2024, I closed my savings account with Oportun ( original account with XXXX then acquired by Oportun ) via the mobile app. 
- Under my account, I had two savings account balances : {$350.00} and {$570.00}. 
- I received email confirmation that I should expect both balances within 2 business days on XX/XX/2024. 
- I received {$350.00} the next day on XX/XX/2024. 
- I have yet to receive the other balance of {$570.00}. 
- I also haven't received any status updates from them on the delay or any response to my outreach to get a status update.
Product: Mortgage

SPS ( loan XXXX ) has not been up front with me about the process of loan modification. When I speak to someone at the company ... they say they have all the information they need then a few days after we speak I will get a letter saying they need more information. When I send in the additional info they say they need ... they wait a couple weeks, then call me and tell me they need it ALL over again because the info they have is now too old. At least every other day, sometimes more, I get a phone call from SPS and the person always hangs up the second I answer the phone which is very odd. I will call back and they say they have no record of this. They are purposely trying to dodge me in order to foreclose, which is not right. They have a modification process but they never allow me to finish it or block me from doing so. I became behind on my mortgage which is at SPS or Select Portfolio Servicing. The home is my former primary residence at XXXX XXXX XXXX XXXX. I moved my family away from this home to a better school district 5 years ago. I could not sell the home at the time, as in 2012 the mortgage was more than the home was worth. I lost the renter for several months which caused me to become behind on my payments. I have never asked for anything for free, just to add the missed payments into the back of the loan. The problem with all this is that SPS has been evasive and they want to foreclose. They are not trying to help in an way and not even following their own rules and regulations that they sent me early on. Thank you, XXXX
Product: Money transfer, virtual currency, or money service

For the past two or three transactions that I've attempted to make using Western Union they have accepted the payment and confirmed the transaction only to take the money from my account, and when my wife goes to pick the moneyup in XXXX she is told that they can't pay it out and I need to contact Western Union. Once I contact them, I'm told that there's a hold on the transaction and it will be refunded to my account in 3-5 business days. The first one was on XX/XX/XXXX for {$1500.00} and the other one was today XX/XX/XXXX for {$200.00}. This is insane, I typically don't have enough money in my account to resend the same amount of money that I just tried to send and they are holding. Last time I was told that it was because they are unable to pay out more than 9000 pesos, and this time I sent $ XXXXUSD - which would have been XXXX pesos and was given the same XXXX  reason for reversing the transaction. Also, I just checked on the app to make sure I got the dates correct and the transaction from today still shows 'In Progress ' after they specifically told me they were cancelling it. So they're basically just collecting interest on it. 

If they aren't going to pay the money out why would they accept the transaction in the first place? They have all the info available before they take the money out of my account ( destination, amount, etc. ), and they still take the money. So while they collect interest on the money they took out of my account my wife has no way to pay her electric bill or phone bill because i have to wait 3-5 business days for them to give me my money back. Customer service is worthless, I've been read the same script twenty times already. Either they don't understand the problem or they don't care, probably a mix of both.
Product: Money transfer, virtual currency, or money service

I'm writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that taking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting

XXXX is reporting my accounts as charged off and late even though the information is over XXXX years old. I requested that accounts be taken off my report, but to no avail. Additionally, I filed bankruptcy XXXX in 2010 and the accounts were discharged.
Product: Debt collection

On Wednesday  XXXX   XXXX ,  2017 an 'un available ' number repeatedly called phone numbers belonging to myself, my daughter and my ex husband ( divorced 13 years ago ) leaving detailed messages regarding a lawsuit filed and the need to serve papers to my home and threatening to contact my employer to serve papers. When the call was answered the individual identified himself as attempting to serve " sealed legal documents '' on behalf  of my local county court office . When pressed for more information the individual indicated i had to call a different number to speak to the lawyers office who filed the complaint. The individual who called only provided his name as  XXXX  and represented himself as a legal process server f or my county. W hen pressed for a return phone number he hung up.     I called the number provided to me and the individual who answered indicated she was a mediator attempting to resolve a dispute prior to it going to court. When asked what matter they were trying to resolve they indicated they were for a " bad check '' and " attempting to defraud a financial institution '' for a debt owed to the Cash Store. Although I have used them before I am not aware of any outstanding debt and the date she said was from last year, and the last time I took a loan from them was many years ago. When I attempted to ask them to remove the numbers for my ex husband and family I was rudely told that I called them and they do n't make outbound calls. At this point I asked to speak to a supervisor. I informed the supervisor that I needed the numbers marks as do not contact and requested and address and fax number for their company to send written  requests and a cease a desist on the basis of their harassing calls. The agent told me they do n't make outbound calls and they had no address to receive mail to. She insisted the company who called me was a 3rd party and refused to give me their name and/or number.
I was never read any disclosure that this was an attempt to collect a debt either.
Product: Checking or savings account

My checking Acct in Bank of America was charged with doble XXXX dlls charges over 15 years and sometimes twice. I filed a claim with BofA two weeks go and when I call for an update I only hear that the representative doesnt have an answer for me either all the other hundreds of victims of this abusive behavior.
Product: Checking or savings account

I received a debit visa card for a wells fargo checking account. I do n't have a wells fargo checking account.
Product: Credit reporting or other personal consumer reports

Dear Equifax Legal Department I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Specific Issue : " I noticed a discrepancy in the Account Type for this collection account across the credit reporting agencies. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX who experienced a financial hardship due to a mandatory decrease in pay by my XXXX  / employer secondary to a decrease in XXXX  XXXX  outside of COVID. I applied for Covid Relief Hardship with PNC on XX/XX/XXXX and again for an extension on XX/XX/XXXX - both of which are notated in their system and confirmed to me by one of their escalation managers on a recorded line ( XXXX XXXX on XX/XX/XXXX ). I was never assessed a late fee until XX/XX/XXXX and the late fee was refunded on XX/XX/XXXX as it was assessed in error. I received an approval letter for the Covid Relief Hardship from PNC dated XX/XX/XXXX. The letter states that the application was approved and no late payments would be reported. Additionally, the account status would show no late payments or be assessed late fees. However, late payments were in fact reported to all three CRAs for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - all during the time of the COVID Relief Program. I learned of this after having my credit report pulled on XX/XX/XXXX and saw the " reported delinquencies ''. I have reached out to PNC multiple times since XX/XX/XXXX by phone, email, written correspondence, and in person in a local branch. No resolve is being given and they continue to refer me to additional departments to " handle my complaint ''. Even the local branch can not see a late fee being reported, but does not have the ability to intervene as the company has outsourced most of the departments such as the HELOC Service Line.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an email that PayPal was going to take XXXX out of my bank acct. They left a number for me to call, but I chose to call PayPal directly. 

The person that answered ended up being the hacker. He told me my Venmo and XXXX were probably compromised to. This hacker 's number is XXXX. 

He asked for my Venmo info, to fix the problem. I fell for it. 

I followed the steps he asked me to take and he took {$2700.00} from my bank acct. through Venmo and also got {$500.00} from my XXXX. 

My bank is still investigating, I had XXXX give me fraud alerts and made a police report with XXXX XXXX, XXXX XXXX. XXXX. 

Venmo denied my claim and I haven't received the {$500.00} that was taken from XXXX. I am working with a banker. 

My phone was compromised so I had to buy a new one. 

These people are awful! 


Thank you, Sincerely Sent from my XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is XXXX. 

Credit score decreased XXXX points without any changes to the credit file. They have provided potential lenders with an inaccurate assessment of my account : Proportion of balances to high, revolving credit utilization, the utilization is at 0 % without any revolving credit. 

Too many accounts with balances, I do not understand this as 90 % of my accounts hasn't received a late pay dated since 2006. Payment history should be reflected as reliable and low risk. 

Serious delinquency, the creditor has failed to remove errors with the accounts via previous disputes, and medical collections listed should have been covered by medical insurance without any financial liability. However there is a XXXX  XXXX account that was closed and excessively charged due to deceptive practices and unfair lending with great history. I haven't filed a complaint yet. 

A significant portion of these collections are very old and should have very little impact. 

They are not reflecting my credit report the same as other XXXX XXXX and I am being XXXX discriminated against in lending because of it. 

Lastly with thr amount of errors and inconsistency in lending slacross the board I demand for those inquiries to be removed as it was not a fair credit assessment and with all 3 reporting agencies. They need to correct the credit report and remove disputed items, and unauthorized inquiries and fraudulent accounts.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX SSN : XXXX DOB : XXXXXXXX  This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block information on my consumer credit report that is the result of identity theft and fraud. These fraudulent activities have resulted in unauthorized collections accounts that I do not recognize and were not initiated by me. 
I have attached a list of these fraudulent collections accounts, along with a copy of my consumer credit report that highlights the disputed items. I have also included the FTC Identity Theft Criminal Complaint Number as proof that these items are the result of identity theft. 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 US DEPT ED. BAL. XXXX ACCT. XXXX US DEPT ED. BALXXXX XXXX ACCT. XXXX US DEPT ED. BAL. XXXX ACCT. XXXX US DEPT EDXXXX XXXX XXXX ACCT. XXXX US DEPT ED. BAL. XXXX XXXX XXXX US DEPT ED. BAL. XXXX ACCT. XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, XXXX XXXX did an inquiry on my credit. I did not authorize this company to check my credit. Under the Fair Credit Reporting Act, it is my right to have this inquiry removed.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XXXX  ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.