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 XXXXXXXX and all payments were placed on XXXX. 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 in XXXX 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 XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and complained to credit bureaus for quite some time the most recent being XXXX of this year of which you investigated. The credit bureaus have waged a war and apparently flagged my social security number. Consumer facing credit reporting agencies such as XXXX, Experian, XXXX  have presented a much higher score number to me than what the bank credit pulls have produced. In some cases the points reported have swung as much as 150 points lower on bank pulls. Recently I have been denied approval on several loan products and I'm also now being asked to present deposits for cell phones with cell carriers I've been associated with and have had good payment history. I have repeatedly asked for the credit bureaus to send me how they have investigated each negative account on my report and they have NEVER provided that information. In fact I have had accounts that have been paid off in the past and they report them as delinquent and past due. It's long past time to delete the negative information on my credit bureaus they have been given over 3 YEARS to do the right thing and they refuse but instead they wage a war against me social security number to keep me in credit prison. I'm determined now to do whatever it takes to restore my good name with the good credit deserved. The bureaus are failing to hold up their end of the deal and tarnishing my good name. Please update and delete this incorrect information at once. You sources and your information in vastly inaccurate and incorrect.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was misused, resulting in inaccurate items appearing on my credit report. Because of this, my credit limits have been reduced on some of my credit cards and my score continues to drop every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a letter to the Experian, XXXX, and XXXX Credit Bureaus last XX/XX/XXXX, requesting the verification and deletion of the accounts and information on my credit file which I found to be fraudulent items. Upon reviewing a copy of my updated credit report, the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act sections 605n, within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Let me remind you that under the Fair Credit Reporting Act section 605b, you are expected to remove the disputed accounts and information off of my Credit File as they resulted due to identity theft. If you claim the items are accurate and verified, send me copies of proof or any documents supporting your claims. If you are unable to provide such documents, I need you to remove the disputed items immediately.
Product: Debt collection

This collection company McCarthy-claims I owe them money for a business policy I no longer hold. First of all the reporting of wages on this policy was incorrectly reported during audit by my agent that I no longer do business with. 

I have spoken to this debt collector McCarthy and told them not to call me at all especially at my business XXXX number- and I will not continue speaking with them. In addition my XXXX XXXXXXXX XXXX and yet they continue to call ( blocking their number ) harassing me at work. I do not want any further contact at all by this collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im well aware the of pandemic and acts of racism and discrimination that permeate our society. As a person of XXXX who has already sent information that the account isnt mine with identity theft reports I would hope you would take this investigation seriously as you have a duty under Fair Credit Reporting Act. Because you ask me to send my identification and previous discriminatory acts by your bureau I allege that perhaps at the very least you have unconscious bias when Ive already sent proof many times prior. 

Account Name : XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from my credit report as they acknowledge the errors. I asked you to do the same. 

Account Name : XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from my credit report as they acknowledge the errors. I asked you to do the same. 

Account Name : XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time as they arent mine. Moreover, you will notice a particularly error in your reporting between months XXXX through XX/XX/XXXX where you acknowledged a payment and then reversed it as late. 


Account Name : XXXX XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from their records as they acknowledge the errors. I asked you to do the same and remove it permanently from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from their records as they acknowledge the errors. I asked you to do the same and remove it permanently from my credit report.
Product: Credit reporting or other personal consumer reports

I Sent my letters off on XXXX XXXX XXXX and XX/XX/. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letters I sent out and here is the Tracking # XXXX and # XXXX. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have attached the credit report, showing the inaccuracies. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries that appear on my equifax credit report. I recently retrieved my credit report and it showed two unauthorized credit inquiries that I have no knowledge of ever authorizing at any given point. I believe these unauthorized hard inquiries are a result of identity theft. I have never seeked any type of credit from the companies down below nor did I ever give them the authorization to pull my credit report. I am writing to dispute the following inquiries and asking for their removal from my credit report immediately as it is illegal to report inaccuracies to a consumer credit report. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Please have these unapproved inquiries removed from my credit report within 30 days as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this is resolved. Attached you will find a copy of my ID and social security card for verification along with a filed FTC report on behalf of the authorized inquiries. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Mortgage

My husband and I are attempting to purchase a home that is set for auction XXXX XXXX. Both the seller and her attorney have made multiple attempts to get in contact with OCWEN to let them know the house IS UNDER CONTRACT and to request a foresclosure postponement so that we can close. What has been relayed to me is that her attorney has basically given up because he ca n't get in touch with anyone to discuss these issues. The homeowner is TRYING to sell her home to get out from COMPLETE financial ruin, but can not get in touch with her servicer to TRY to remedy the situation before auction. Come to find out yesterday that although we have a signed contract for a stated price, she has been billed/fined by OCWEN another {$4000.00} for what, I ca n't tell you. From reading other posts, it appears erroneous fees and charges are just tacked on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have XXXX XXXX loan. I forgot to pay my monthly payment on XXXX XXXX XXXX.I got call from XXXX XXXX on date XX/XX/XXXX about my monthly bill. I told them ok i will confirm in my bank bill pay schedule and if not i will pay today. I paid same day from my bill pay {$1500.00} for two months [ XXXX and XX/XX/XXXX ] but My Bank XXXX hold that money because they thought that this is not my regular payment so they hold it without my permission. I got call again from XXXX XXXX on XX/XX/XXXX about my bill pay I told them that i paid already on XX/XX/XXXX so you receive check on XXXX XXXX.So i called my bank on XX/XX/XXXX, that did they sent payment to XXXX XXXX and that time they told me that they hold it and send check to them instead of send them electronically. because of all holiday XXXX XXXX and XXXX XXXX  XXXX XXXX received check on XX/XX/XXXX. I again called XXXX Bank on XX/XX/XXXX to confirm about my payment and they suggest that still XXXX XXXX didnt deposite check in yr account so they suggest me to cancel check amount of {$1500.00} and pay again two separate payment of {$750.00} and {$750.00} on XXXX. XXXX XXXX received two deposite money on XX/XX/XXXX.I attach here my Bank Paybill Schedule and XXXX XXXX XXXX History for yr kind information. You can see that they deposite my {$1500.00} Check on XXXX XX/XX/XXXX and refund on same day because i cancel that Check from my bank.
Product: Debt collection

HSBC sent an incorrect 1099-C early in XXXX showing I owed monies on a credit card that was discharged in bankruptcy XX/XX/XXXX. They admitted their error on a letter dated XX/XX/XXXX. Next, they sent an updated 1099-C reflecting a {$0.00} balance but used codes D and G as the reasoning for box 6. They stated that on the letter dated XX/XX/XXXX. They deny sending the form with D but I have it in my possession. The letter dated XX/XX/XXXX states that G in box 6 is within IRS guidelines. 

1. State where you obtained this information from as you did not discontinue collections, the reason the debt is protected from being counted as income was due to my aforementioned bankruptcy. 
2. Next, I do not appreciate the tone of this letter, " and will not be changed further. '' You broke the law twice, once by sending me to an outside collections company and two by sending me a 1099-C. If I would have been stupid and filed that I would have been liable for additional taxes on income I did not have to report. 
3. This is my final demand for {$2000.00} in compensation or I'm going to pursue this with an attorney and go to social media with all of the proof of how you handle your business. I have given you more than enough attempts to remedy.
Product: Credit card

I had a XXXX XXXX business card through Costco that was switched to Citibank this summer ( 2016 ). I received a letter alerting me of the switch ( sometime in XXXX? ) but never received a new card from Citibank or any other statements/notifications. In XXXX, I was contacted by XXXX, XXXX and XXXX who alerted me to a balance owed on the Citibank card. I had forgotten about a purchase during the transition and as soon as I was contacted paid the balance in full minus the fees from Citibank. I contacted Citibank to inquire why no card or statements had been sent to me and to ask for forgiveness regarding the fess considering the situation. I was informed that indeed no card or statements had been sent yet Citibank confirmed that they had all my current information. I faxed a letter of dispute to Citibank XXXX/XXXX/16 and followed up XXXX/XXXX/16 and was told they had not received my letter. I re-faxed XXXX/XXXX/16 and did not hear any response until I called Citibank XXXX/XXXX/16. I was then told my dispute had been denied and I owed a total of {$100.00} for late and interest fees. It took several calls and transfers to finally find someone who could help me as I was told multiple times I no longer had an account, nor could they find my account. Further, I have been denied knowledge of my account number making it very difficult and cumbersome to access my account each time I call. I am disappointed that Citibank had many opportunities to mail, email, or call me regarding my balance but instead sent me to collections. Because of this I feel the late and interest fees accrued should be removed. I have been informed that the account is now closed and the dispute team is the division that has the power to remove my charges. I have been denied by my first attempt and am sending in another fax today, XXXX/XXXX/16 to have it reviewed once again. Before this issue, I never missed a credit card payment to XXXX XXXX ( or other credit cards as well ). When I spoke with the collections representative she stated that many, many CostcoXXXX customers were experiencing the same situation as myself. Thank you.
Product: Checking or savings account

On XX/XX/XXXX, I was trying to access my checking account on my mobile app. It kept saying that I don't have a account. I found that strange because I just checked it a day before. So I called them to let them know what was going on and they said that my account is closed, now mind you no one had contacted me about this matter. So I asked why did you close my account I've been with you guys for over 9 years, they said the check you deposited was fraudulent, what I was dumb found it because the check I deposited was a settlement check I got from getting hurt on my job on XX/XX/XXXX. But they wasn't trying to hear that. They said we will be closing your account and you can never bank with this firm again. I cried because I needed that money to pay my bills, at this moment I'm not working because I XXXXXXXX XXXX XXXX  so this money was to help me out until I go back to work. So now I don't know what to do I just think they were cold and very heartless.
Product: Student loan

Dear CFPB, I am writing to file a complaint against AidVantage ( loans previously held by XXXX ) for illegally accruing interest on my student loan payments during the period that interest on student loan payments was frozen by the Biden administration. 

I have been a customer of Aidvantage since XX/XX/XXXX, when XXXX transferred them my debt. At that time, my balance was significantly less than {$27000.00}. The last balance I have written down from XXXX was {$27000.00}, and even that balance included illegal interest accrual from the 2 years prior, when my balance was closer to {$24000.00}. I have not opened any new student loans since XXXX, and I have been in deferment since that time. I am aware that interest on student loan payments was frozen from XX/XX/XXXX to XX/XX/XXXX. 

However, when I checked my loan balance on XX/XX/XXXX, I was shocked to see that it had increased to over {$30000.00}. I contacted Aidvantage to inquire about the discrepancy, and they have not yet provided an adequate explanation or solution. 

I believe that this is a clear violation of the law. The Biden administration specifically stated that interest on student loan payments would be frozen during the COVID-19 pandemic to provide financial relief to borrowers. Either Aidvantage or XXXX ( who sold my debt to Aidvantage ) has violated this order by illegally accruing interest on my loans. 

I am requesting that the CFPB investigate this matter and take appropriate action against Aidvantage. I am also requesting that Aidvantage immediately correct my loan balance to that which was reported by XXXX on XX/XX/XXXX and refund me any interest that was illegally accrued during the period that interest was frozen. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are a cluster of inquires on my report that I did not authorize. I have been a victim of the inquiry issue that Equifax is having. I tried to talk to a representative to get these inquires removed but I was refused assistance. Again, these inquires were unauthorized. Please remove these from my report. 

XXXX XXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX   Credit Unions Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX  Credit Unions Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Nissan Motor Acceptance Corporation on XX/XX/2020. A consumer transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Nissan Motor Acceptance Corporation made me pay for insurance seperately. Nissan Motor Acceptance Corporation is in violation of 15 USC 6802. Nissan Motor Acceptance Corporation did not disclose to me or make it aware of my right to opt out. Nissan Motor Acceptance Corporation is also in violation of 15 USC 1635. Nissan Motor Acceptance Corporation was supposed to disclose to me the right of recision, I was not notified of this right.