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

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

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

I demand the late payment reported 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. 


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: Vehicle loan or lease

I purchased the vehicle in summer of 2023 for my daughter, when she went to make her first car payment on time the lot was empty and was closed down ( American financial ) so thru the news I found out that thousands of other people were going thru the same issue and found out who the new finance co was, ( westlake portfolio ) so then my daughter started making on time payments to them ( never late ) in XXXX I went to register the vehicle cause that when it expired on my birthday and was unable to register the vehicle due to some hold on title. So now Im stuck with a vehicle thats illegal to drive and they want payments, so I let them know when I can register the vehicle they will receive a payment and they never provided it and now its stuck on my credit for there fraudulent transaction on the loan
Product: Checking or savings account

On XX/XX/XXXX I was sent an email from first federal tech credit Union stating my account was frozen due to suspicious activity. I immediately called and spoke to a representative that informed me yes my account was frozen and an investigator is looking into it and it could be up to 30 days. I deposited my paycheck via mobile deposit through their app and my deposit was successful. My funds were held due to my account being new. All funds were supposed to be available XX/XX/XXXX. I called on XX/XX/XXXX for an update and was told if I wanted to close my account and have my funds sent to me via cashier 's check to send my id front and back, my social security card, and proof of address to XXXX. I immediately did as instructed. The next day, I called for update and was told my documents couldn't be a screenshot and that they needed the back of my social security card as well. I retook my picture of my documents and resent the email. I received another email today XXXX stating my documents were not able to be verified and that they are keeping the account frozen and my money will not be sent. All my documents are are my government issued documents and my proof of address is my utility bill. What can I do to get my money from my paycheck?
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. TransUnion, Experian, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Payday loan, title loan, personal loan, or advance loan

I, The consumer and the natural person. Was denied credit by JPMCB AUTO. When I applied for a auto loan. 

Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act. Which is codified in U.S.C 1691c and is pursuant to civil liability under U.S.C 1692k.

You are subject to criminally liability for violation 15 U.S.C 1691c as I have proof that I was discriminated against by JPMCB AUTO due to the response I received.

JPMCB AUTO is in violation of 15 U.S.C 1642. 15 U.S.C 1681M. 15 U.S.C 1605 12 CFR 1002. because I the consumer made an application in good faith. But credit was not issued. 

Furthermore, because my social security number ( CREDIT CARDS ) was used and I received no benefit. This proof of fraudulent activity ( UNAUTHORIZED USE OF CREDIT CARDS ) on behalf of JPMCB AUTO
Product: Debt collection

XXXX, XXXX 2018 TO WHOM IT MAY CONCERN This is a complaint against XXXX XXXX with an address located at XXXX XXXX. XXXX XXXX, XXXX XXXX, IA XXXX. 
XXXX XXXX is a debt collector as defined by 15 U.S. Code 1692a of the federal Fair Debt Collection Practices Act.

The attached documentation details violations of 12 C.F.R. 1024.41, and/or 12 C.F.R. 1024.40, and/or 12 C.F.R. 1024.35, and/or 12 C.F.R. 1024.36, and/or specifically 12 C.F.R. 1024.41 ( b ) ( 1 ), and/or 15 U.S. Code 1692e. 
Please investigate these matters. 
All the necessary documentation supporting this complaint have been attached. 

XXXX XXXX XXXX XXXX or use the following shortened URL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX or use the following shortened URL XXXX XXXX XXXX XXXX XXXX XXXX XXXX or use the following shortened URL XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested their Notice of Privacy in order that I could opt out of their disclosing my non public personal information. I have never received my request
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address significant and harmful discrepancies in the reporting of an account with XXXX XXXX across the XXXX credit bureaus ( XXXX, XXXX, and Experian ). Despite prior disputes, the inaccuracies remain unresolved, and I am requesting proof of the previous investigation or immediate deletion of this account from my credit reports due to its unverifiable nature. 

Account Details : Creditor Name : XXXX XXXX  Account Number : [ Insert Account Number ] Discrepancies Identified Across Credit Reports : 1. Account Balance : XXXX & Experian : {$5400.00} XXXX : {$5300.00} Discrepancy : Conflicting balances across credit bureaus. 
2. Date of Last Activity : XXXX & Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Discrepancy : The conflicting dates indicate inaccurate and inconsistent reporting. 
3. Last Payment Date : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Experian : Not reported. 
Discrepancy : Inconsistent last payment dates among bureaus. 
4. Payment Status : XXXX XXXX Experian : XXXX XXXX : Late XXXX  Days Discrepancy : Differing payment statuses create confusion about the true state of the account. 
5. Dispute Status : XXXX & Experian : Account not disputed XXXX : Consumer disputes- reinvestigation in progress Discrepancy : Conflicting information on whether or not the account is currently disputed. 
6. Credit Limit : All three bureaus report a credit limit of {$3600.00}, yet the high balance exceeds this limit, raising questions about the accuracy of reporting. 

Request for Proof of Investigation : I am now requesting : 1. Proof of the previous investigation conducted by the credit bureaus and XXXX XXXX. 
2. A detailed method of the investigation, including : Records of who you spoke with.

Their business address, name, and phone number.

3. Documentation proving the validity of the account balance, payment history, and charge-off status.

If this information can not be provided within three ( 3 ) days, I am demanding the immediate deletion of this account from all three credit reports and an updated credit report reflecting the removal of the inaccurate information.

Violations of the Fair Credit Reporting Act ( FCRA ) : The continued discrepancies and lack of verifiable documentation violate the FCRA by : 1. Reporting inaccurate and conflicting information.

2. Failing to validate disputed entries.

3. Falsely reporting payment activity and account status.

Resolution Requested : 1. Immediate deletion of the XXXX XXXX account from my credit reports if proper validation can not be provided. 


Impact on Me : The ongoing discrepancies have caused significant harm to my credit score, limiting my ability to access financial opportunities. This is unfair, misleading, and a violation of my rights under the FCRA. 

Thank you for your immediate attention to this matter. I look forward to receiving proof of the investigation or an updated credit report reflecting the deletion of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My infomation was stolen and used in attempt to open fraudulent accounts. my information was also exposed in 2 recent data breaches EQUIFAX AND XXXX XXXX BREACH.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from XXXX/XXXX XXXX  dated XXXX XXXX.The letter states '' thankyou for applying for a XXXX XXXX XXXX  on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.I did have a XXXX card with no balance and early XXXX during breakout of covid-19 pandemic, XXXX closed my account citing inactivity.I did call XXXX at XXXX on XX/XX/XXXX at XXXX and spoke with XXXX.She took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXX call with XXXX ended at XXXX statement to XXXX is wrong about the personal loan i never applied for.When she transferred me to bank XXXX unit, the bank fraud unit was closed.Recently, In XX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX  to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from XXXX???? .Therefore, I never applied for a personal loan from XXXX/XXXX XXXXTHIS IS FRAUD
Product: Checking or savings account

For more than fifteen years, I have had a municipal bond account with Citizens Bank in XXXX, Rhode Island. Several years ago all my bonds matured and I had approximately {$40000.00} sitting in an account. I met with a Citizens representative at the XXXX branch office and discussed new municipal bond purchases. I questioned the representative about fees that he would receive, He explained his commission. I bought {$40000.00} of new municipal bonds. 
Several years passed. 
XX/XX/XXXX, 2017 I received a letter from Citizens informing me there was a {$75.00} annual fee for managing my account. If I did n't pay, they informed me, they would withdraw the money from my account. 
I called the information number. They told me the fee had previously been charged only to accounts under {$10000.00}, but it had been changed to under {$50000.00}. The person told me I could complain to a second phone number. 
I called the second number and left a message/ They returned my call and left me a message with the same information. 
The {$75.00} fee amounts to theft. They sold me a product for a price, and I bought it. Then they changed the price, siphoning off {$75.00} a year for the life of the bonds, reducing the value of the product I bought.
Product: Checking or savings account

i realized on XX/XX/XXXX that a withdrawal of {$10000.00} was made from my account in DT Bank to XXXX XXXX XXXX, so i called the bank to advice that this is not my credit card and this transaction is fraud, they gave me a run around for a few days until i went down to the bank myself and then they say that they are looking in to this no further information available at this time, it's a lot of money and they have the XXXX  account number that this payment was applied to so its no big deal to verify where the money went, i am helpless
Product: Credit card

Right before the first of XXXX this year I had to get a new credit card sent to me because of some fraud stuff when I ordered it I recorded the call and specifically asked them now it seems you guys are allowing people to get my new card numbers because before I would have to call my auto pays and update my info and give the new card number and the lady stated no your auto pays will not transfer over and will have to call them so I check my account last nite and here is the XXXX XXXX on my account I never called them to update my info do XXXX did they get into my card again the bank said for sure this would not happen they always tell me visa is the one doing it and no they are not we talked with visa on several occasions they even went as far as telling me they would go to court on this that my bank was actually the ones giving out my private card information this is be morning a problem it should not be happening this way I feel my privacy isd being violated on do many levels with bank of america it's disgusting. XXXX my rewards every month have been not what they should be I purchase so much and if you go back over my rewards got the last 6 months bank of America is not been paying the amount they should I was getting like XXXX XXXX XXXX XXXX this month is more like what I should be getting but they have and I know for a fact not been paying me what my rewards reflect I want this investigated please this is not right I don't want them giving private information about my card out that is solely my responsibility they have no right allowing things to pas from one card number to a new card number this has been going on for over 5 to 6 years now XXXX longer iam sick of it
Product: Debt collection

A woman called me from a XXXX number asking to speak to XXXX XXXX, my mom, when I asked her who was calling and what company she was calling from she declined to answer. So i started recording the phone call through XXXX voice, She then asked to speak to my mom again, i then asked again who she was and what company was she calling from. which she then recognized that the call was being recorded, she then asked my why i was recording the call. I told her because I always record calls from numbers i do n't recognize and have blocked caller Id 's. she then hung up the phone. 

So I XXXX the number XXXX and it resulted in XXXX XXXX. Ill attach a copy of the recording for your review. 

Thanks
Product: Credit reporting, credit repair services, 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. 

XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has XXXXolated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 more than seven years.

15 U.S.C. 1681s-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.
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in XXXX XXXX in which I live. That way, you can travel here in order to defend yourselves. 

ACCOUNTS : XXXX XXXXXX/XX/XXXX XXXX.
Product: Debt collection

This debt was not mine, I had it removed from XXXX credit reports while it was under the name of a different collections agency. Now, I am getting harassed by a new company called Phoenix financial regarding this previously deleted account. I feel very uneasy about this issue. I was yelled at over the phone, and was told that I am basically a bad person for not paying my " debt '' by the collector. I do not deserve to be treated this way, especially for a debt that I had been cleared of already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for his car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX XXXX {$5600.00} XXXX  XXXX {$0.00} XXXX/XXXX  XXXX {$3100.00}
Product: Credit reporting or other personal consumer reports

There are unauthorized credit inquiries on my credit report that I do not recognize, please delete these inquiries as I did not give anyone permissable purpose to run my credit. Attached is the ftc report filed in this matter. The inquiries are as listed : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

USAA is the account account openXXXX I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Product: Credit reporting or other personal consumer reports

I have information about my education that is supposed to be private on my credit report, Family Educational Rights and Privacy Act ( XXXX ) The Family Educational Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b )
Product: Debt collection

XX/XX/2020 not sure of the amount ive tried to dispute this matter with the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

The following agencies was involved XXXX XXXX, XXXX and Experian was disputed on the dates of XX/XX/XXXX XXXX also XXXX XXXX also XXXX XXXX and XXXX XXXX. XXXX XXXX account that was paid off showing derogatory on my credit report causing me harm and violation title 15 us 1692:41 and 15 us 1692 : d also 15 us 1692 : c this is hindering me in moving forward in my personal life all 3 agencies are involved in this fraudulent mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a direct debit dispute form to AES on XX/XX/XXXX. However ; the company failed to remove the 60 day delinquency from my credit reports by the three reporting agencies. I was notified in XX/XX/XXXX by XXXX XXXX XXXX that my loan was being transferred to AES. I was informed that I must make telephone payments until my direct debit form was received. I made a telephone payment on XX/XX/XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX were automatically deducted. Since additional principal payments were paid on my account, another payment wasnt due until XX/XX/XXXX. As a result of an AES internal billing error, my monthly payments were not withdrawn from my bank account. This information was confirmed by an AES representative via the telephone. AES has not taken any action to remove the delinquency from the three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX, I am a person not a credit repair company or credit person which transunion accused me of being. what I am is a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted trans union in XXXX to complain that the my payment percentages were incorrect. I have missed 1 student loan payment ( XX/XX/2017 ), and yet my ontime payments are showing 95 %. I also explained that my scores with both XXXX and XXXX are both approximately 100 points higher that trans union is reporting. They temporarily increased my score by XXXX points after their investigation, and I thought all was resolved. I checked my score today only to find that they have once again lowered my ontime payment percentages when I havent missed any payments and my score has once again dropped drastically!! How is this legal??
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance on the credit card is paid, I have submitted receipts and proof from the collection company. XXXX is just ignoring the proof and siding with the reporting creditor without doing a proper investigation. They want me to believe that they completed a proper investigation in 48 hours during a weekend.