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

My account with ( CREDITOR NAME ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand the late payment reported in those account 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. 


( CREDITOR NAME ) 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, credit repair services, or other personal consumer reports

To whom it  may  concern, I mailed a Multiple  Inquiry  Re moval Letter  on  XXXX   XXXX ,   XXXX  , by certified mail in order to dispute information, in regards to 10 hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,   XXXX  , and they completed the request on  XXXX   XXXX ,   XXXX  . The request that I submitted included 10 Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. After this, another inquiry was made in  XXXX  and I called Transunion immediately and was told they could n't see it. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it state s that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having these many hard inquiries on my credit report display as a sign of financial trouble when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit card

This complaint is in reference to XXXX, SUBMITTED ON XX/XX/XXXX It is currently XX/XX/XXXX - I called CareCredit and they informed me that they attempted to call me twice, however I believe my phone line took these to be scam calls, so i did not receive notification. 
Carecredit claimed they were ready to offer me a way out by negotiating allowing me to pay the principal amount, and would remove the interest charge, but because I was " too late '' to the " 60 day grace period '', they had to take the deal off the table. 

This is again very similar to their former claim that they were ready to offer this remedy for me within 30 days of the interest charge, but because I was " too late '', they would not do so. 

This is once again deceptive trade practices, and it feels as if they want to give the perception that they gave me notice and options, however I can assure you they did not give me any such ability to remedy the situation. 

These supposed offers and deals were also never made in writing to me, and were only referred to when they were supposedly " too late '' to be made anymore. 

As it stands, I now am being charged {$170.00} in additional interest EACH month, on top of the nearly {$2500.00} i was charged. 

The company through all of this continues to make it extremely hard to communicate with them claiming " we do not have email, please use mail or fax to make corporate level complaints '' They also claim that the secure messages service I used to even file this complaint in the first place is " offline while we move it to a Remote workflow '', so as of right now I have no reasonable means to communicate with corporate. 

I have been on the phone for hours with their customer support, and they wont provide me with 1. a phone number to contact corporate 2. an email to contact anyone in the company To conclude, I sincerely ask for your help in putting this company on notice for its continued deceptive trade practices as it attempts to keep me dragging along forced to pay monthly interest payments when the company gave me no reasonable option out of this. 
I am a student, and I simply can not afford these interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX  XXXX XXXX XXXX XXXX  is located inside XXXX XXXX XXXX. The dealer sold me a defective vehicle that was deemed unsafe I notified the XXXX XXXX XXXX rep XXXX. She would not help. I recorded our call. After months of endless complaint the Idaho department of transportation notified me I could file a surety dealer complaint. I did so. I also submitted a revocation of acceptance letter which the finance company received and recorded they received the letter. The surety settled and all money owed and any interest was sold, assigned, transferred to the surety. I am legally not responsible for the loan. In addition the vehicle was taken by the XXXX XXXX The finance company has been aware i have sent several disputes of the inaccurate reporting of the account in addition they committed fraud at initial signing of loan. They continue to report this account that I am not responsible for and that is completely inaccurate damaging my credit a great amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In applying for a pre-qualification mortgage, I was asked if I would allow an inquiry into my credit I did not want this. So I backed out before completing any further. 5 minutes later, I received a hard inquiry on my credit. I was then told that they tested this out themselves and that it wasn't possible. I asked if they had a system in place to verify this and they said yes. If that we're the case, they would know for sure that I didn't consent to my credit being inquired upon. They said that they tested it from their end and could not replicate my scenario and that was enough to prove I did allow them to check my credit. This was a fraudulent inquiry and it was never approved by me. The way they have the form setup to be used is not secure enough if I can back out of their process without a notification asking me or notifying me of what may or may not happen. 

There is no way they could have verified I allowed them to access my credit. I know this for a fact. I did the application with someone else and they saw this too. 

In addition to all of this and after going through the steps again, I believe there are more issues to address like the way they advertise a pre-qualification and then ask for a credit inquiry halfway through the page. This is why I backed out in the first place.
Product: Checking or savings account

I opened an account with Chase. The website generated a form with the routing and account number. I entered these numbers into my employer 's online form to set up direct deposit. I never got my paycheck. I called Chase twice and was told the routing number was wrong. The routing number I was given when I opened the account was XXXX. This is a Chase routing number, but the people on the phone said I should have used a different routing number than the one generated on the form. They also said my employer put my name as an asterisk on the direct deposit form. When I called today, they said they would not give me my paycheck because the routing number was wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several charge offs on my credit this is effecting my score ... since a charge off is she as income it shouldn't be on my consumer credit account.. I had also paid a company to consolidate and make payments to each of these accounts as of today XX/XX/2022 they are still on my account and appearing as tho I have not paid anything on them.. please help
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I provide service from the United States, my store 's shipping times are exceptional at 3-5 days, and I had 0 outstanding disputes or complaints. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  has reported on my credit that I am the authorized user of a card. The card belongs to my wife, and she has emphatically declared that she did not add me as an authorized user. I contacted XXXX to inquire about the card and explained that at no time did my wife request to add me as an authorized user. I requested the recording of her request and any digital copies of her request to which I was denied. I requested to be removed as I gave no authorization to be added to this card but was again denied. I was instructed to speak with my wife and have her request that I be removed. I spoke with her again in length, to which she again, strongly denied and has no explanation as to why I would have been added as an authorized user. Like me, she is perturbed by XXXX 's actions.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XXXX a XXXX called my job and told the secretary that there is a warrant for my arrest from a supposed debt I had from 2005 to bank of America. Which is not true actually BOA reimburses me almost 2   years ago. When my wife called the number that said XXXX left to ask for an address to serve proof of payment and to ask that I not be harassed and threaten at work a XXXX XXXX called her all kind of names and refused to give address. All I have is a phone number. XXXX. And a case number XXXX. They refused too.
Product: Debt collection

I called to cancel my XXXX XXXX on Wednesday XX/XX/XXXX because I was changing my service to XXXX/XXXX on Saturday XX/XX/XXXX. The representative advised my cutoff date for billing was the XXXX of each month. During that call I explained to the representative that I was working from home that week because of sick kids and needed my internet services for Friday the XXXX. She placed me on hold for several minutes and came back and said she was able to work it out that I could keep my services until XXXX on the XXXX with no additional charges and I would not be billed for another month. I returned the equipment withn the boxes and XXXX tracking they provided within a week of cancelling the services. I did not receive any calls or follow up from XXXX until XXXX. I received a past due notice saying I owe {$81.00}. I called XXXX on XX/XX/19 and spoke with XXXX. I was told an investigation would be opened and completed about the bill they sent under claim # XXXX and it would be up to 5 days. I asked that they listen to the call to confirm what I was told and I requested the bill to be waived after listening to that call. Again I did not receive any follow up until XX/XX/19 when I got another bill for {$290.00}. I no longer have access to my old account online and they failed to follow up in writing or by phone. It is XXXX XXXX error for this bill and they need to waive it based on what I was told during my cancellation call. They can confirm all this by reviewing that call as they should be recording their calls. I previously filed a CFPB complaint against XXXX on XX/XX/19 but it was forwarded to the FTC and I have not received any follow up from Frontier. That complaint number was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed some unauthorized inquiries on my credit report accorded to the FCRA these are unverified and unauthorized items and I would like them to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 602 A. States I have rights to privacy.

15 U.S.C. 1681 604 A ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C. ( A ) ( 5 ) Sections states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall 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.

15 U.S.C 6802 ( A ) a financial institution may not directly or though any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803, Obligations with respect to disclosures of personal information.

15 U.S.C. 6802 ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

We ( wife & I ) filed ChapterXXXX XX/XX/XXXX only account in CHAPTERXXXX IRS, Hyundai Finance Co. ( auto loan XXXX XXXX was outside paid direct. On credit report/history Hyundai lists account closed/chapterXXXX or charge off. 36 months no payment history! ChapterXXXX discharged XX/XX/XXXX. Court has vehicle direct allowed claim {$25000.00} we have made 48 payments see payment history, credit bureau 's not reporting all disputes filed no corrections XXXX XXXX ( XXXX )
Product: Mortgage

Ditech Loan was paid off on XX/XX/XXXX I forgot to cancel automatic payments and accidentally sent another payment of XXXX on XX/XX/XXXX after payoff was received. 
I never received this overpayment back and contacted Ditech by phone on XX/XX/XXXX. 
I informed them I would be out of the country and to please send reimbursement electronically to my bank and suppled all requested documentation via fax. 
As of XX/XX/XXXX I still had not received my reimbursement and called Ditech again. I was told it had been processed on XX/XX/XXXX. I was told it would be re-processed as soon as I re-sent all previous documentation as well as my bank statement to prove I had not received it. I faxed this immediately. 
As of XX/XX/XXXX I had still not received anything so I contacted Ditech again. I was told this time that a paper check had been mailed on XX/XX/XXXX. I informed them that this was not helpful as I need it sent to my bank directly since I am not in the country and this would be the third time I supplied them with the account and routing numbers and why didn't the previous rep tell me that? 
At this point Ditech has withheld MY money for 45 days. This is grossly unfair and I can not help but wonder what would happen if I was dependent on that money for basic needs? 
Does this not amount to theft when a company is keeping your own money from you? They are also placing an unnecessary burden on the consumer as I must continue to supply evidence and fax and call to get my own money back. 
I was actually initially told on XX/XX/XXXX to call back in 7-10 days to find out the status! When I complained that this seemed unreasonable and asked to speak to a supervisor I was told they were not available but then told it would be processed in 3-5 business days.
Product: Credit reporting or other personal consumer reports

It was incredibly disappointing to see unauthorized inquiries on my credit report this evening, leaving me confused as to why they suddenly appeared. I performed my usual check, only to find these discrepancies, and refreshing my browser didnt helpthey remained. Therefore, I am asking that the documents Ive submitted be carefully reviewed so I can have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan for a vehicle that went to my ex wife. She chose not to pay the loan so I was in contact with XXXX XXXX XXXX XXXX that had the loan and gave them the location of the vehicle so they could repo the vehicle. I did n't want the vehicle and they said they would sell it and I could pay the difference off. I agreed and payed the vehicle off on XX/XX/XXXX. I went to buy a house XX/XX/XXXX and noticed it did n't say paid in full. I asked them to please state this on my credit report. They did but put it as paid in full on XX/XX/XXXX, not XX/XX/XXXX. Now I have to live with this on my credit report for another 7 years or maybe 10 years until it drops off my credit. They wo n't help with this. I would like to dispute this reporting so I can get my credit where it belongs.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt became late back in XX/XX/XXXX. The bank then update the credit file to indicate the account was in good standing XX/XX/XXXX. No payment has been made to bring the account back into good standing. This debt is more than 7 years old and remains on the credit file. I would like to have the payment history properly reflected. I sent a dispute through the credit company and they date was updated to XX/XX/XXXX incorrectly
Product: Debt collection

I received a letter from general revenue corporation stating that I owed a debt to them for a certain dollar amount on behalf of college of XXXX XXXX..I spoke to the representative and informed them that I was not the individual who took the classes and that I was a victims of identity theft, I reported this to my local law enforcement and the case is now documented.Ive called the college and was unable to get ahold of the registrar office to update them.general revenue has reported this mark on my credit report without submitting any proof that it was me.it has been past 30 since I have submitted the letter to general revenue and the received the letter on the XXXX of XXXX and the mark is still on my credit report writhing them responding to me at all, they havent sent the required information that was stated in the debt validation letter. They need to either submit the required documentation or move the mark off my credit report, but reporting negative information unjustly is not a option.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$19000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$2800.00}
Product: Mortgage

I paid my mortgage from account ending in XXXX on XX/XX/year>. I have had autopayments turned off. 

They billed me AGAIN on XX/XX/XXXX on a different account ( ending in XXXX ). This was UNAUTHORIZED and I had autopay OFF. There is a hold pending on my account from them and now my account is overdrawn and I can't pay my health insurance, purchase medications I need to live, buy groceries or pay other bills. 
I called XXXX and they told me i have to wait until TWO DAYS after this clears and then mail in a bank statement. Which means I have to go to the bank for a statement, then wait for the mail, then wait for them to process it. 

I do NOT have weeks to wait for this to be fixed!!!! 



IMMEDIATE reversal of hold/charge, and restitution to make me whole for whatever it costs me in terms of lost insurance, bank fees, bills not paid, and full coverage plus any and all compensatory payments for any and all difficulties and damagesphysical, life threatening, financial, and emotional that results from this mistake they are refusing to correct immediately. 

XXXX XXXX refused to give last name. 

He said I have to verify the hold. They can not release hold. 

XXXX XXXX, email checked daily, info can take a few minutes or hours to respond. Can not guarantee it will be handled today. 

Said they dont see a second payment. I explained its a hold, he said he doesnt see a payment. I explained that XXXX clearly made a payment request a second unauthorized time and no one else but XXXX could have submitted that. He told me I have to contact my bank about it, but the bank can do nothingXXXX  made the unauthorized payment request and they have to reverse it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Delete this address, XXXX XXXX XXXX XXXX XXXX, CO XXXX from my Credit Report for inaccurate residential information because I have never lived at this location. My address is XXXX XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. states, I have the right to privacy.

Also 15 U.S.C 1681 section 604 A Section 2. states, a consumer reporting agency can not furnish an account without my written instructions. 

According to the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights