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

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 those accounts 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 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: Payday loan, title loan, personal loan, or advance loan

I, hereby declare that EasyPay Finance has engaged in deceptive trade practices that have caused significant financial harm to me. Despite my repeated requests for resolution, the company has refused to remove an inaccurate account from my credit report. This refusal, along with their continued stalling, has directly contributed to further harm to my credit score, which is vital for my financial well-being. 

By failing to address the discrepancies in my account and withholding the removal of this negative entry, EasyPay Finance has caused undue stress and financial hardship. Their actions are not only misleading but have caused long-term damage to my credit profile, negatively impacting my ability to obtain credit, secure favorable interest rates, and engage in other financial opportunities. 

I believe that EasyPay Finance 's practices violate consumer protection laws and have knowingly caused harm by failing to resolve this matter in a timely and transparent manner. This is a clear case of deceptive trade practices, and I am taking the necessary steps to address this issue through legal and regulatory channels.
Product: Debt collection

They contacted me and identified the debt amounting to {$6400.00} and I never received information to verify and validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, I discovered that a company called XXXX added an entry to my Equifax credit report claiming I owe them approximately {$19000.00}. 

On XX/XX/XXXX, I sent XXXX a letter via Certified Mail Return Receipt, to the address for them listed on my credit report. 

The letter asked XXXX to verify the debt ( see attached ). They did not respond. 

After disputing this entry on my Equifax credit report, I received written notice from the bureau on XX/XX/XXXX ( attached ) that it was not reporting on my credit file. However, the XXXX entry was never removed. 

On XX/XX/XXXX, I sent a letter to Equifax via Certified Mail, Return Receipt ( # XXXX, letter and receipt attached ) indicating that I sent a letter to XXXX, received no response and therefore request again that the item be removed. I included a copy of the XX/XX/XXXX letter and the return receipt. 

Equifax responded that they would not remove the item, disregarding my documentation.
Product: Debt collection

On XX/XX/XXXX, I was sent a letter from LVNV funding claiming that they had " purchased '' a debt and that I owe them money. However I have never signed a contractual agreement with this agency nor have I given this debt collector previous written consent to contact me about an alleged debt. This is a clear violation of 15 U.S. Code 1692c. As stated in the section, " without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ''. Again I express, they had neither my prior consent or a contractual agreement with me or permission from court to contact me. Please view attached exhibit.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX XX/XX/XXXX ) 2. ( Department of Education XX/XX/XXXX ) 3. ( XXXX XXXX XXXX XX/XX/XXXX ) 4. ( XXXX XXXX XXXX XX/XX/XXXX ) 5. ( Department of education XX/XX/XXXX ) 6. ( XXXX XXXX XXXX XX/XX/XXXX ) 7. ( XXXX XXXX XXXX XX/XX/XXXX ) 8. ( Department Of education XX/XX/XXXX ) 9. ( XXXX XXXX XXXX 10. ( Department Of education XX/XX/XXXX ) 11. ( XXXX XXXX XXXX XX/XX/XXXX ) 12. ( XXXX XXXX XX/XX/XXXX ) 13. ( XXXX XXXX XXXX XX/XX/XXXX ) 14. ( XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ) 15. ( XXXX XXXX XXXX XX/XX/XXXX XXXX 16. ( XXXX XXXX XX/XX/XXXX ) 17. ( XXXX XXXX Bank XX/XX/XXXX ) 18. ( XXXX XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copiestt of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

This mornings credit report check left me completely stunnedthere were accounts I dont recognize, and I dont understand how they got there. I always review my report without issues, but this time was different. Even refreshing the browser didnt fix it. Im counting on a detailed review of my documents to prevent this from ever happening again.
Product: Debt collection

I am receiving numerous emails from COLUMBIA DEBT RECOVERY XXXX DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : ( XXXX ) XXXX MONDAY-FRIDAY XXXX TO XXXX PST stating that I owe money to a company called XXXX XXXX XXXX XXXX XXXX  XXXX 

I have no knowledge of any of these companies, do not owe any money to such company and this is harassment.
Product: Debt collection

I have received 4 remarks from XXXX XXXX XXXX  about bills that have went into collections. I wasnt not notified that I had these bills or that they were delinquent and about to go into collections. I was enrolled in college during these dates and moved every year - sometimes up to three times in a single year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

National credit adjusters have put 2 new accounts on all 3 of mt credit reports for collection with XXXX  XXXX. I have never or will i ever have any account with XXXX  XXXX this is the second time national credit adjusters gave done this. This is identity theft i want these accounts removed from all 3 credit reports immediately
Product: Consumer Loan

Loan paid in full on XXXX/XXXX/15.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit service has some information do not belong to me. 
XXXX XXXX XXXX ( Partial ACCT Number : XXXX ) XXXX  XXXX ( Partial ACCT Number:XXXX ) XXXX XXXX ( Partial ACCT Number:XXXX ) XXXX XXXX XXXX ( Partial ACCT Number:XXXX ) XXXX ( Partial ACCT Number:XXXX  ) XXXX XXXX ( Partial ACCT Number:XXXX ) XXXX XXXX XXXX ( Partial ACCT Number:XXXX ) XXXX ( Partial ACCT Number:XXXX ) Also there are 24 Unauthorized Inquiries on my report 3 XXXX inquiries XXXX XXXX XXXXXXXX inquiry 7 XXXX XXXXXXXXXXXX XXXX  inquiries XXXXXXXX XXXX XXXX  inquiry XXXX XXXX  XXXX XXXX inquiry 2 XXXX XXXXXXXX XXXX XXXX inquiries 4 XXXXXXXX XXXX inquiries XXXX XXXX inquiry XXXX XXXX inquiry XXXX XXXX XXXX XXXX Inquiry XXXX XXXX inquiry Also wrong information of my name such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the report XXXX 
Lastly XXXX XXXX XXXX XXXX. XXXX XXXX was not my address.
Product: Debt collection

XX/XX/XXXX PROFESSIONAL COLLECTIon {$340.00} XX/XX/XXXX PROFESSIONAL COLLECTION {$400.00} I have sent letters to the credit companies and to the collections companies have spoken to the companies not actions has been taken
Product: Credit reporting or other personal consumer reports

I have disputed the report of XXXX  XXXX with trans union and XXXX, they have not taken my complaint seriously. I contacted the card issuer and they acknowledge that they reported the bankruptcy in error and would fix the issue. The issue has not been resolved and my score has dropped over 100 points causing harm and financial expense.
Product: Checking or savings account

I own a XXXX XXXX and have a XXXX  checking and savings account with Truist. On XX/XX/XXXX, I completed and delivered a job for a customer and he paid me with a business check for {$1500.00} with XXXX XXXX XXXXXXXX that he has had for many years. I signed on to Truist mobile, endorsed and wrote on the back of the check exactly as stated, and deposited the check into my business checking account. Immediately Truist locked my account and stated there was fraud and my funds would not be available for 10 days. 10 days arrived and the funds are available in the account. As a side note, my customer sent me a screenshot that the funds were taken from his account that night that I made the mobile deposit. The money is sitting in the account but I can not use it because Truist has locked it due to " fraud '' and said it needs to be reviewed by someone but can not say when it will be reviewed or when I will be able to access my money. I asked to close the account and they said they can not do anything at all with the account until someone reviews it and also they can not reach this person or even know who it is. It has been XXXX weeks since I have deposited the check and I have nothing to show for it and Truist is refusing to clear the matter up or even give me any type of time line as to when it would be resolved. All they do is take notes each time I call and say they are " escalating '' the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the creditor, XXXX XXXX XXXX, stating that " I did not indicate in my correspondence what specific information I was disputing or requesting to verify ''. This request came from all 3 credit bureaus because I sent the same letter to all. As one can see from the bank response, they are unable to verify/validate the requested information. I initially disputed this information on or a/bout XX/XX/20. A subsequent method of verification letter went out on r about XX/XX/20. Today, XX/XX/20, i received a letter in the mail stating the aforementioned. According to my rights under : 1 ) FCRA 611 ( a ) ( 7 ) 2 ) FCRA 611 ( a ) ( 2 ) ( B ) The creditor nor the credit reporting bureau have responded in a timely fashion, or supplied the requested information. For that reason, I want this erroneous account removed permanently from credit report and an updated credit report sent to me from each bureau. 

This is coming from XXXX XXXX. I will attach a copy of a utility bill to prove myself.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit profile, I discovered some credit card and vehicle loan accounts that are not 100 % true and can not be validated in any manner! These items are not being reported as 100 % accurate! I am aware that reporting any information, data, credit cards, or inquiries that do not appear to be 100 % correct is against the laws that safeguard me and other consumers. Within Because these fake collections on my credit report are a serious violation of not reporting an account 100 % accurately, I have the right to sue XXXX and XXXX and Equifax for violating the Fair Credit Reporting Act, which states that everything on my credit report must be 100 % true under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ). If not I can sue these companies for {$1000.00} per violation in federal court!
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA!

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts and Inquiries that are being challenged : XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Onemain is an account showing wrong late payments in my credit report .... when is not ... ... .I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. As I have been faithful using Cash app for many years as a money share service and have even had direct deposits placed in my account while at points finding attempted fraudulent information.I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I have a Citi XXXX XXXX card ( ending in XXXX XXXX which I no longer use. I'd called to request that the card be cancelled months ago only to learn in XXXX it was not. There was a balance from a forgotten recurrent charge ( one no longer charged to the card ) so I paid the balance in full on XX/XX/2021 and closed the account and cancelled the card. I had a {$0.00} balance as of that day. I called and had the card cancelled and the account closed. 

Despite carrying a {$0.00} balance, closing the card and cancelling the account, I was charged a {$2.00} interest charge and a {$40.00} late fee XX/XX/2021. 

I was unaware that there was anything to be paid on the card as I had not used it in months and carried, to my knowledge, a {$0.00} balance. 

I was charged another {$.00} interest charge and another {$40.00} late fee on XX/XX/2021. I currently have a balance of XXXX on a closed account with no charges and a {$0.00} charge balance. 

I called Citi to resolve the issue on XX/XX/2021. The representative I spoke to did not resolve the matter then either the call dropped or the representative disconnected. These charges seem predatory. I don't know what further action I could have taken to avoid these fees. As it was, the balance was {$0.00} and the account and card were closed. 

Thank you for your assistance. 

XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After getting a copy of my report that I ordered a credit report with Experian.com XX/XX/2022, I called Experian since I saw some UNVERIFIABLE accounts on my personal profile. I discovered that there were CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ) I have never with these accounts listed below, so please help me remove these CHARGE OFFS and COLLECTION, from my personal profile. A copy of my Utility Bill, drivers license, and W-9 for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In the past Ive been allowed to make partial payments on my mortgage. Today I attempted to pay XXXX of my mortgage XXXX {$1000.00} XXXX. I was advised I could n't, I asked to speak to a manager and was told by the man " it does not matter, I will not allow my manager to accept the partial payment ''. A young lady got on and said she was a senior rep, that a manager was not available. She had then told me she would not except a partial payment either. Then proceeded to tell me per my finances there is no reason I should be making partial payments. I then again asked to speak to a supervisor, she would not put XXXX on. When I mentioned the CFPB, she hung up on me. It be different if they never accepted a partial payment before but they have, on more then XXXX occasion. There was also no reason for here to tell me about my finances.
Product: Debt collection

This is the 5th collection agency that was contracted by XXXX to attempt to collect.Please see attached letter from AFNI, all 4 of the previous collection agencies were never able to verify the debt. Please refer to my original complaint XXXX XXXX That was the 1st three, than the 4th, XXXX XXXX see complaint number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Information Solutions , Inc. et al. are in violation of the Fair Credit Reporting Act and have willfully failed to follow reasonable procedures to assure maximum possible accuracy of information contained in my consumer credit report. Experian Information Solutions , Inc. et al. are willfully and intentionally reporting false information on my credit report arising from identity theft. The false information is defamatory, is furnished with malice or willful intent to injure me, and has caused me mental anguish, embarrassment, and humiliation. I believe Experian Information Solutions , Inc. et al. has discriminated against me on account of my race and nationality by willfully reporting false information arising from identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : 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

After reviewing my credit report, there's 2 inquires that has been fraudulently or mistakenly put on my report. The inquires are XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX )