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

My account with XXXX  XXXX 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. 


XXXX  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 reporting or other personal consumer reports

This CFPB Complaint has been filed to request pursuant to FCRA XXXX B ( XXXX XXXX 1. XXXX XXXX  # XXXX {$8800.00} 2. XXXX XXXX # XXXX {$9200.00} 3. XXXX XXXX XXXX # XXXX {$360.00}. 

These accounts have resulted in several fraudulent hard inquires and fraudulent collection appearing on my consumer report. All of the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I had attached a copy of my FTC identity theft criminal report ( XXXX ) as proof from the us federal trade commission that all of the aforementioned consumers credit accounts, collections, and hard inquires, are the results of identity theft and fraud.
Product: Debt collection

Dynamic recovery solutions contact me telling I owe {$830.00} on a 12 year old debt I have never had or hear about with a cable company I try to dispute it telling then I never had service with such a company and they threatening to report it as a bad debt on my credit report and the company they told me I owe I never heard of or never had such services I am very very angry to think a collection company can push a debt on me I never never had and threatening me and bullying me not right
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  reduced my personal line of credit due to the misstating the balance, reporting late payments incorrectly, failing to report a discharged debt or paid debt, reporting old debt as new or re-aged, closed accounts as active, reporting information over 7 years reporting civil judgments over 10 years, by XXXX XXXX XXXX and FactorTrust, Inc. Their action has caused me harm by their continued abuses, violations, REPRISAL to the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover is reporting an account on my credit report that I never applied for. 

It was opened XX/XX/2014 and has a credit limit of {$1500.00} and a balance of {$2000.00}. 

Furthermore, the address on the account is in Oklahoma and I have resided in Alabama for several years so there is NO WAY it is mine.
Product: Debt collection

Due to financial hardships, I decided to turn in a car I could no longer afford. The car was returned to the lending company and an agreement made to pay monthly payments in the amount of {$50.00}. A few months into the arrangement, I was asked to increase my payments. I refused because I did not want to agree to a payment I could not afford. Therefore I continued making payments until XX/XX/2019. In XXXX of 2019 the company stop accepting my payments. My online account was disabled and I was told by a collection representative that payments were no longer being accepted and they were pursuing another means of collecting the payment. I tried for several weeks to speak with a supervisor. I was talked to in a very unprofessional manner from several representatives to include the supervisor. I asked for statements and records of my account and was never sent that information. In XXXX I received an email from my HR department notifying me of a garnishment for this account. Days later I received a letter from the company about the garnishment. I attempted to appeal the decision and make several settlement offers but each offer was denied and countered with an amount not much less than the balance this company claim I owed. I've since attempted to offer a settlement but again was countered with an amount not much less than one of the balances this company has reported I owed. The amount the company says I owe is always higher than the amount reported to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent to the bureau on XX/XX/2020, XX/XX/2020, and XX/XX/2020. These letters never were responded to the, negative item from XXXX XXXX XXXX XXXX account number XXXX ) is still showing on my credit report and affecting my credit report negatively. I sent a warning letter to the bureau informing them of my intention to file a complaint if they did not respond in a timely manner, yet they still did not respond or delete this item from my file.
Product: Credit reporting or other personal consumer reports

For many years, I tried to resolve a mortgage loan with XXXX  ( and others ). The problem was the mortgage amount had escalated so much it was now XXXX on an $ XXXX loan. 

However, instead of working with me, they gave me a modification of $ XXXX/month. That was unaffordable and XXXX, as the house was not worth that amount. 

In comes a builder, who offers then $ XXXX for the house at a short sale. They take it- yet would not work with me at all. 

The short sale was complete on XX/XX/. Yet still... nothing on the credit report. It takes 2 years from the date of a short sale to get another mortgage. Now am three months farther out from being able to obtain financing.

Question # 1 : Why would not work with me but would immediately take a short sale?

Question # 2 : Why haven't you reported it to the credit bureaus?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian on XX/XX/XXXX and requested a thorough investigation into a medical collection reported by XXXX XXXX XXXX  for {$370.00}. This collection does not belong to me. The dispute was submitted late on a XXXX  XX/XX/XXXX and the results were verified and updated by early XXXX  XX/XX/XXXX. Per the Experian site and the FCRA, credit bureaus are required to investigate thoroughly and it typically takes 30-45 days if Experian has to collect information from a third party. How was this collection thoroughly investigated from XXXX  XXXX  to XXXX  XXXX? It wasnt!! 

Furthermore, if Experian isnt willing to delete the false collection from my credit report, I demand to see all documents from their investigation process. Im certain they didnt investigate properly or they would have realized that collection is not mine They are having to delete any medical collections under {$500.00} this year anyway. Their failure to correctly investigate is only wasting everyones time *see below for the notifications from Experian which show the date submitted and the day results were available *also note their request for 30-45 days in other screenshot
Product: Credit reporting or other personal consumer reports

I have made several attempts Im trying to get these fraudulent accounts off of my credit report. I have never even applied for credit anywhere. I didnt push as hard as I should have push to get them off however, I just had a baby and now my future is more important to me. I am asking that you really take a serious look really really do some serious investigation in these portal in accounts because they are definitely not mine, which includes.XXXX XXXX XXXX  {$990.00}, XXXX XXXXXXXX {$240.00}, XXXX XXXX XXXX XXXXXXXX {$160.00}, XXXX Even though this one is a XXXX balance, it still does not belong to me, XXXX This one also has a XXXX balance, but it also does not belong to me I am really trying to get my life together and this I mean these fraudulent accounts are really holding me back and I am in dire need of help
Product: Credit card

I have two credit cards with capital one and last year I called to make a payment arrangement and I was transferred to the XXXX I explained to her that my long-term XXXX money wasn't going to be in my account on time for me to pay it. She advised me that was find as long as I called ahead of time to let them know and she put in a different date for me to make my payment and also told me if anything changed before that to just give them a call back. Well I called back and spoke with another representative and explained to him what was setup for me but I still couldn't make the payment on the date I was given so he said no problem I can change it and I asked him was he sure and he said yes I'm sure XXXX. well I made the payment and they have it listed as a late payment on my credit report and it wasn't XXXX  days past due at all. I have tried Disputing them about it and they refused to remove it as well as charging me extra interest rate fees. I just recently made a payment on one of my capital one credit cards and it didn't show paid until the XXXX of XXXX instead of the XXXX of XXXX because I called and explained to them I was trying to make a payment with my bank card and the bank thought it was a fraudulent transaction and they froze my card the representative that night said it was okay and to call back the next day to have the late fee removed because it wasn't my fault my card was frozen due to fraud and I called back and was told no after he put notes on my account about my situation and told me it would be adjusted.
Product: Credit card or prepaid card

I submitted payment on-time, but payment fell on a United States Federal Holiday and weekend ( Saturday ). Avants system twice cancelled my additional scheduled payments after this original date of XX/XX/2022 twice XX/XX/XXXX and XXXX, 2022. Upon contacting Avant customer card and speaking with a gentleman, I was told a waiver of the late fee of {$27.00} would be applied. This late fee was not applied. I called again and was told this lie again as well as by email and no reversals of fees or late fares whatsoever. When I sighted them the protections I have under the Credit Card act they shrug it off an say that doesnt apply to me or that XXXX runs their Avant credit card and they Avant have no control over lates fees or other fees. I even have requested accommodations due to Covid-19 for deferment of my minimum payments and Avant denies this accommodations as well. Sad, because my other credit card companies owned and run by some of the United States biggest banks are willing to help me with their cards. Why does Avant get allowance from the federal government to abuse me and others I have read about in complains in the web?!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX [ XX/XX/scrub>XX/XX/24 ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charged Off Account Dear XXXX Consumer Relations, I am writing to dispute the charged off account appearing on my credit report under the account number [ Account Number ]. After reviewing my credit report, I have identified discrepancies in the reporting of this account that I believe are inaccurate and require immediate rectification. 

Specifically, I dispute the accuracy of the information regarding the charged off account with your organization. I request for the following inaccuracies to be investigated and corrected promptly : 1. XXXX XXXX is reporting an account that does not belong to me. My correct name is not even on the account. I have even provided the police report as well and they yet to remove the inaccurate information. 

I demand that XXXX conduct a thorough investigation into the reporting of this account and provide me with a detailed explanation of the inaccuracies identified. I also request that the account be corrected or removed from my credit report in accordance with the Fair Credit Reporting Act. 

I urge XXXX to take immediate action to rectify this error and update my credit report accordingly. As a responsible consumer, I value the accuracy and integrity of my credit information. 

Please provide me with a written response acknowledging the receipt of this dispute letter and the steps being taken to investigate and rectify the inaccuracies outlined above. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

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

I am submitting my fourth complaint concerning my status as a victim of identity theft. This submission is a follow-up to the challenge I have raised against specific items in my file, which directly stem from the aforementioned crime. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report, specifically those under the reference # XXXX in my case. Please remove the reporting of these items from my credit file, as they are associated with an alleged identity theft : -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any items in the consumer 's file identified by the consumer as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

As part of the campaign, which I joined with the code XXXX, I should receive XXXX dollars worth of prizes. A direct deposit of XXXX dollars has been credited to my account for three months in a row, plus a tax refund of XXXX dollars has been credited to this account. However, despite meeting all the requirements, my {$300.00} reward has not yet been credited to my account.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Experian : 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: Debt collection

If a consumer notifies a debt collection that the consumer refuses to pay debt the debt collector must cease all communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank USA NA, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX have reported late payments to the 3 credit reporting agencies. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting  agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.
Product: Debt collection

While attempting to refinance my home recently, there was a debt collection in the amount of {$42.00} on my credit report which disqualified me for a mortgage refinance. The debt was reported by Franklin Collection Service, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX. Phone : XXXX. XXXX : XXXX. I called them and asked them what this bill was for and why it was reported as a collection, They stated that it was for a medical co-payment bill from two years ago. I stated that I was not notified of this bill or notified that it was even turned over to collections and paid the outstanding balance of {$42.00} plus a {$15.00} service fee. I was told that the collection would be removed from my credit file, which is has not. According to the FDCPA, I was not notified that I even had a bill, and the bill was reported to all XXXX credit bureau 's without my ability to confirm its validity or refute it if was not a valid debt. The debt collector violated 15 USC 1962e Sec 807 as there was no communication by the collection agent prior to reporting the collection on my credit report. They were also in violation of 15 USC 1992f sec 808 for collecting a {$15.00} processing fee above the principle amount of {$42.00} owed. And they also violated sec 809-validation of the debt in 809 ( 1 ), ( 2 ), ( 3 ), and ( 4 ).
Product: Credit card or prepaid card

A {$75.00} charge from XXXX XXXX on XXXX was cancelled but Optum Mastercard debit card won't return my balance back to my card. I had a three way phone call with myself, XXXX XXXX and Optum bank on XXXX that I though had cleared up this matter but as of today XXXX their has been resolution. Customer service tells me that matter has been expedited but no one has tried to contact me. Nor have they credit back my {$75.00} please help.
Product: Student loan

My student loan is serviced with Navient. I applied in XX/XX/2018 to get my student loan forgiven through the XXXX  loan forgiveness program that requirs 5 continuous years XXXX  in a XXXX XXXX XXXX XXXX. I have met all the requirements, filled out a completed and correct application and submitted it the application in XX/XX/2018. The application was processed and submitted for approval and forgiveness. During this process, the loan was placed in forbearance. On XX/XX/2018, I received an email from Navient stating I must complete a new student loan forgiveness application since the address of the XXXX  is missing in section five of the application. That information from Navient is incorrect. The application and all pertinent information was completed, accurate, and submitted in XX/XX/2018. They accepted the application as complete since all infotmation was correct and completed on the application. This process has caused undue stress, XXXX, and worry. It has delayed me the opportunity to buy a house, start a family, and get married.
Product: Checking or savings account

Paypal closed my account since 3 weeks ago and it had been held my money since the first day. and I called them multiple times to ask them to released my money on my available balance which it's {$190.00} to me but they refused to. The email link with my paypal is : XXXX and my name is XXXX XXXX XXXX.
Product: Prepaid card

I got my XXXX tax refund on a serve/ American Express XXXX XXXX XXXX I lost the card and trying to get replacement card because I live in Alabama and my rebate has been added to that card. I have called multiple times could not speak to someone who could understand me and was told they had to have the last 4 digits of the old card before issuing a new card I gave them my birthday old phone number and social but was told they needed the last 4 of card and the 3 digit security code. I asked how could I give them that if I didn't have the card had to repeat myself over and over asked to speak to there manager was told they didn't have one was laughed at and hung up on! This happened 4 times today on XXXX XXXX XXXX  starting around XXXX XXXX  Alabama
Product: Credit card or prepaid card

I talked to XXXX about not receiving my package. XXXX gives me XXXX about getting back to me in 12 or 14 days. Never gets back so I go to Chime. Chime takes their sweet precious time as usual to do the investigation. I tell them that I didn't get all of my items and they basically say there was no error made despite me STILL not getting my items. XXXX shows them documentation of the products getting delivered to my house but that's not my issue. I didn't receive all my items! I got 12 or 13 out of 64! Chime closes dispute no matter how many times I provide information over the phone or over email about me not getting my items. Basically once they close your claim and came to a decision they're not going to look into XXXX. It's game over and that's their final say I guess. 

I included the screenshots of shein being on XXXX saying they can't give me my money back because the complaint is still open despite it clearly saying closed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I spoke with Equifax Supervisor XXXX regarding Case # XXXX. I explained that I had submitted an FTC Identity Theft Report along with supporting documentation ( ID, Social Security card, proof of address, and a sworn crime report ) requesting the deletion of disputed accounts under FCRA Section 605B within 4 business days of receipt. Despite this, no action had been taken on my consumer report, and XXXX claimed the FTC Report was invalid due to missing page numbers, without providing proof that the FTC was contacted to verify this claim. This assertion contradicts FCRA Section 605B, which does not stipulate such requirements. Additionally, I have been informed by other Equifax supervisors that their internal policies prevent processing FCRA Section 605B deletion requests within the required 4 business days, instead requiring extended investigation periods. These practices also contravene FCRA Section 605B. 

For reference, I have previously filed CFPB Complaints # XXXX and # XXXX related to similar issues. I request that the CFPB investigates Equifaxs noncompliance with FCRA Section 605B, including their methods of verification and failure to act in accordance with the law, and ensure that my valid deletion request is processed promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the FCRA, it is TRANSUNIONs duty to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 2 inaccurate late payments for the XXXX  account starting with XXXX. These include a 30 day late payment posted in XX/XX/2023. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.