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 XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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

My account with XXXX XXXX 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 maXXXX 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 XXXX days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX  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! 


Update the late payments from my consumer reports
Product: Vehicle loan or lease

Vehicle was XXXX XXXX XXXXXX/XX/XXXX. Myself, XXXX XXXX XXXX and XXXX has been contacting Kia Finance by phone and electronically to settle account in full since XX/XX/XXXX. Kia rejected payment electronically on XX/XX/XXXX from XXXX. Kia told XXXX that the account did not exist. XXXX went back to calling kia. We all get transferred around or told a complaint has been submitted a supervisor will call us in 48 hrs. Nobody with Kia ever calls. 

From XX/XX/XXXX it took Kia until XX/XX/XXXX to respond to XXXX XXXX request knowing that XXXX had explained that XXXX could not send payment to Kia Finance nor could GAP submit an additional payment to kia until Kia responded to XXXX XXXX. Each Insurance company and myself have documentation of the calls. Saved emailed to kia that kia never replied to. I have written 4 different dates to kia by mail. My last letter I asked that kia finance remove the negative remarks and 90 days late from my credit report because my Insurance ( XXXX ) and XXXX XXXX have been trying to get this account settled since XX/XX/XXXX, kia has been the cause in delays and progress of the account being closed. The negative remarks are preventing me from assisting financially with my son 's college education. 

Doung a dispute on my credit did not work with Kia to respond and let XXXX and XXXX  complete payments to Kia. Kia only responded to credit XXXX with payments but Kia isn't showing {$510.00} paid in XXXX by XXXX nor {$3000.00} paid XX/XX/XXXX. 

They are reporting {$30000.00} balance and {$1300.00} pass due. Before my dispute they say it was over {$1900.00} pass due. The car was financed for {$30000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about the XXXX bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XX/XX/2022 for my graduation I was buying shoes from macys when the man at the counter told me I was getting a gift card from the store that I could use to pay for the shoes. I put it my information. A few months later, I realize it was actually a credit card as now I am getting calls from a collection agency??? My credit is shot as I am applying to law schools, I can not even buy my own apartment because of this.
Product: Credit reporting or other personal consumer reports

not my account never had fingerhut account since bankruptcy in XXXX beleive they did not investigate properly also victim of data breach in n3 difference ocasions Your Account Dispute has been updated. 

XX/XX/XXXX The incorrect account with XXXX XXXX XXXX starts with XXXX has not been changed and will remain on your credit report. 

Source : Experian Date Submitted : XX/XX/XXXX Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MI XXXX What now? 

We'll notify you when all of your pending disputes are complete and the results are ready. To see your most recent updates, please check your updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX bill showing on my credit report for {$74.00}. I don't know when I had XXXX XXXX  but it was over 10 years ago. My credit report shows a bill opened XX/XX/19 on my credit report that is not mine that I recall at this time it is inaccurate. At least not here in Florida. I have been here for four years now.
Product: Debt collection

In XX/XX/2023 the financing company American financial was closed down. Westlake financial took over their loans. They have repeatedly called. Approximately once an hour per day. They have charged an astronomical amount in addition to what I already paid. They are also sending mail from XXXX XXXX but have their phone number as their contact information. I was told they would not stop calling me, after asking them not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was dropped almost XXXX points from XXXX to XXXX because I paid off and closed credit cards. Both Transunion and XXXX  both dropped my score from XXXX to XXXX. This is not right that now I have to pay higher interests rates because of a low score. I still have a XXXX student loan that I have been paying on time and extra towards and that is not being considered valid in my score rating. Who do I complain about this to? It is not OK to put a person at a low score for being fiscally responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a debt in the amount of {$7100.00} to XXXX & XXXX credit bureaus. The account is reported as open on XXXX, and closed on XXXX. I have requested validation of this debt in writing twice ( XX/XX/XXXX, & XX/XX/XXXX ), and filed disputes with both credit reporting agencies. Neither of these actions have provide verification that I owe this debt.
Product: Credit reporting or other personal consumer reports

My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt-out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. 
I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXX XXXXXXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} ; ( Original XXXXXXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.
Product: Student loan

Navient had agreed to suspend payments and interest due to CoVid-19. Just now, they not only started charging again but also never even notified me they were going to start creating a late payment. Even on their own banner on their own site and app, it says in plain writing that they are suspending payments and interest until XX/XX/2020. So what is going on?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 an unverifiable account was removed from my XXXX credit report due to XXXX not being able to verify or validate the account. I sent XXXX and Experian a copy of the report showing XXXX deleted the account and XXXX and Experian says the account will remain without sending me the proper documentation as to why they are not following suit. The account should be deleted, it does not belong on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I sent out the dispute letters to all XXXX major bureaus on XX/XX/XXXX. They have incorrect info and have shared my information without my written consent. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 a. I have the right to privacy 15 U.S.C 1681 section 604 a. section 2 states consumer reporting agency can not furnish an account w/o my written consent/instructions.

( I have given no such consent/instructions ) 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency can make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) also Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit card Date Opened : [ XXXX says XXXX XX/XX/XXXX ] [ Experian says : XX/XX/XXXX ] Date last active : [ XXXX says XXXX XX/XX/XXXX ] [ Experian says : XX/XX/XXXX ] Balance : {$200.00} Status : Closed I believe this information is inaccurate because the dates ect., each bureau is showing are ifferent. 



Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Credit card Date Opened : XX/XX/XXXX Date last active : [ XXXX says : XX/XX/XXXX ] [ Experian says : XX/XX/XXXX ] Balance : {$890.00} Status : Closed I believe this information is inaccurate because the dates etc., each bureau is showing are different. 

I have attached copies of the following documents to support my dispute : A copy of highlighted errors/differences A copy of my ID and social security card Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Date Opened : [ XXXX says XXXX XX/XX/XXXX ] [ Experian says : XX/XX/XXXX ] Date last active : Balance : {$530.00} Status : Closed I believe this information is inaccurate because the dates, etc. each bureau is showing are different. According to the consumer protection law, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be corrected or removed. I have requested the following documents regarding these ACCOUNTS : *Pay off disclosure * Interest rate disclosure *Balance history *Payment history *Credit insurance
Product: Debt collection

This collection appeared on my credit report and it does not belong to me. I have not received any bill or notification.verification of this debt therefore I need it removed from my report. 

COLLECTION SERVICE OF ATHENS Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/2019 Original Amount Owed {$49.00} Amount COLLECTION SERVICE OF ATHENS XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I orginally mailed dispute letters to Experian regarding them reporting inaccurate and obsolete information on my credit report in reference to a few accounts including the XXXX XXXX XXXX account on XX/XX/XXXX and XX/XX/XXXX. Even though they know the information is inaccurate they still continue to report it as verified instead of removing the information from my report.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Student loan

I called Navient in order to apply for a income based deferment on the loans that they are servicing. While on the phone I inquired about the Public Service Forgiveness programs offered by the government. The agent on the line started asking me a serious of verification questions and the next thing I know I am getting an email stating that my FSA ID password had been reset. As things continued she then informed that there is a {$690.00} fee to enter into the program. Which I know to not be true as the program is free to enter for those that qualify. The agent had told me she was checking in the Fed database to see what my loan amounts were and what my payments in that program would be, but she never told me that she was resetting my actual account password so that she could enter my account. Now she continues to call me at all hours of the day trying to get me to apply for he program through Navient.
Product: Payday loan, title loan, personal loan, or advance loan

I was in an emergency situation and needed money to help with my rent. I searched online for a personal loan and through what I thought was XXXX XXXX I entered my basic info and was routed to " business partners '' and not to the company I was familiar with. It's misleading. You search for companies online that you have heard of but then get routed automatically to their " business partners '' after you have already entered your personal information and loan amount requested. It connected me to Enova ( NetCredit ) and said I was instantly approved for {$1800.00}. When applying it asks you to enter your most recent pay date as well as your next payday date expected. The site then tells you your first ACH debit will be on the next expected payday date. It also claims to have " no interest fees and no prepayment penalties. '' This is misleading and their fees are fraudulent and make it impossible to ever pay off the amount borrowed. Every ACH debit has NOT been on my payday date and has caused my checking account to be overdrawn repeatedly. Also I requested a copy of my loan agreement along with the terms and conditions and was denied. I have never received a copy of the terms and conditions at any time. Also, Enova ( NetCredit ) has taken ACH debits in the amount of over {$530.00} and has only applied {$7.00} towards the principal balance of {$1800.00}. I was approved for {$1800.00} but only received {$1600.00} but was never given an explanation as to why or what the {$200.00} they subtracted was for. There is no explanation of their fees. I called Enova and requested a copy of my loan disclosures and was not provided them at any time. I also told the representative that I didn't approve them debiting my checking account on dates that were outside my payday dates. The representative was rude and said " well you signed the terms and conditions. " I told her she is required to provide me a copy but was denied. I asked why out of the {$530.00} they have taken via ACH debits from my checking that I did NOT authorize is only showing {$7.00} off my principal balance due? Enova representative said that they don't charge interest but charge " statement fees of {$85.00} or more from payments of {$110.00} ( estimated ) or higher. I told her that I did not agree to that and the application was misleading and never cited any " statement fees. '' Enova representative then said " well you signed the agreements so you have to pay it. '' I told her that is fraudulent and misleading and makes it impossible to repay. I also said even if their undisclosed " statement fees '' were deducted my balance due still should show more than {$7.00}. The Enova representative could not explain this and said her company 's system was too difficult to understand for her. I knew then it was a scam. Not only do they not provide you a copy of their terms and conditions disclosure, they debit payments on random dates and have no explanation of fees and charges. Please investigate them. I also notified my bank as well.
Product: Credit card or prepaid card

On XX/XX/20 two atm withdrawals were made out of state for {$45.00} each ( {$91.00} total ), several other attempts were made but there were not enough funds to complete. Prior to this I reported my card lost as other fraudulent transitions were attempted. The card was also locked at the time while I was awaiting a new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( shown as XXXX XXXX ( collector for doctor office ) on bankruptcy paperwork - can match Addresses between credit report & bankruptcy rpt - XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ) is reporting to transunion an account in collection status but account was discharged in bankruptcy XX/XX/2019. Account needs to be removed from collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 my son was taken to the XXXX XXXX In XXXX XXXX, XXXX. They made me take him in an ambulance to another one which wasnt necessary ( he has a XXXX disorder and always has XXXX XXXX XXXX ) both ERs accepted his out of state XXXX XXXX ( we were visiting family in XXXX ) he has XXXX medicaid because we reside and have resided in XXXX for years. They accepted his XXXX and didnt state there was an issue. XXXX 100 percent stated they would pay the bill. They are reporting it to collections and XXXX   refuses to remove the collections which has been detrimental to my credit score for years, even though it is against federal law to bill a XXXX patient for cash. They have to submit it to XXXX to be paid. I have reached out to them on numerous occasions. And the bill is still detrimental to my score and they are not removing both bills even after verification of XXXX like they asked for.
Product: Vehicle loan or lease

This payoff was paid and received on XXXX XXXX! The company has the check in their possession and not correcting my account. The vehicle was traded in for safety reasons because it has computer problems. I have proof that they received the check and a copy of the check