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

My account with XXXX XXXX XXXX and XXXX XXXX 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 XXXX, XXXX, AND 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 XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite me having sufficient funds available when the transactions were authorized. However, due to delayed posting of the charges and credits I was unfairly charged overdraft fees. 
The issue appears consistent with recent findings from the CFPB, which identified similar practices by Navy Federal Credit Union where transactions settled with insufficient balances despite initially having adequate funds available. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was trying to investigate why a credit card I had through XXXX since XX/XX/XXXX has not been approved for a credit line increase, I called XXXX 's customer service line and when the agent accessed my profile, they could not verify that I had any credit history, even though they acknowledged my credit card had been active and in use since XXXX. The agent instructed me that they report as they should to TransUnion, who would be the reason why they couldn't pull their own credit history for my account. 

That same day, and again later in XX/XX/XXXX, I contacted TransUnion and they could not find any record or history of me. Per the phone call with the customer service agent at TransUnion, I was instructed to photocopy my social security number card, and mail it through the United States Postal Service, and call them at an unknow future date, hoping they received my letter, so the customer service agent could verify whether or not they actually had my credit data.
Product: Mortgage

PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ) Robo-signing is illegal and has been outlawed in the State of New York. 
I discovered the Assignment of Mortgage on my loan being used to establish ownership was robo-signed by serial robo-signers XXXX XXXX, XXXX XXXX and XXXX XXXX. 
XXXX XXXX XXXX, XXXX publicly went out of business in XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX, was not in business on XXXX XXXX, XXXX and did not exist on XXXX XXXX, XXXX when the Assignment of Mortgage was recorded and filed in XXXX County Clerk 's Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU HAVE BROKEN THE LAW. I notice that you placed incorrect information in my consumer report. Any late payments are considered a transaction and experience, which is prohibited from being reported on my consumer report unless it is clearly and conspicuously disclosed. 35 % of my calculated consumer score comes from Payment history and by you reporting in-correct information you are letting others know I am not creditworthy. Below is the law you have broken and violated my rights. Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general. The term consumer report means any written, oral, or other communica-tion of any information by a consumer reporting agency bearing on a consumer 's credit worthi-ness,1 credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the pur-pose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the con-sumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affil-iated by corporate control; or ( iii ) communication of other information among persons related by common ownership or af-filiated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; As you know, each violation is up to {$1000.00}. Not including the actual damages done to me for not being able to get the house I wanted, paying high car notes because of the interest rates, and not being able to get other things. I want you to fix this immediately and compensate me for the damages you have done to my reputation and my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies refuse to remove inquiries that I did not authorize XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Experian business credit XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

Regarding complaint ID numbers : XXXX and XXXX Wells Fargo needs to provide the paperwork titled Relationship Change Application to document the addition of two joint owners.

Wells Fargo needs to provide the full legal name of the employee who is certifying that two joint owners are currently on XXXX XXXX 's savings account. Please include the mailing address where a court summons can be sent to that person. 

Wells Fargo is committing fraud by signing documents with fake names, such as XXXX XXXX and XXXX XXXX I spoke with multiple individuals claiming to be XXXX XXXX, and those individuals had two different accents.
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on my consumer report that i would like removed all names and variations of any names should not be present on my credit report under the name section I would only XXXX XXXX on my consumer report. no other names. There are several non mailable addresses that I can never be reached at on my consumer report that i would like removed. only the address XXXX XXXX XXXX, XXXX XXXXXXXX should be present on my account Accounts XXXXXXXX XXXX Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' Payment Status Charge-off '' - 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - 60 days late XX/XX/XXXX - 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information XXXX XXXX XXXX this account is listed as XXXX XXXX XXXX XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Banking ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account XXXX XXXX On XXXX this account is listed as XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer XXXX XXXX account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On Equifax its reported as XXXX XXXX XXXX  Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that this inaccurate information be removed Immediately
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX InquirieXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> As required by XXXX XXXX XXXX please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Good Morning, Credence is attempting to fraudulently collect a non-existing debt File # XXXX. This phone was returned to the XXXX store for repair under the extra insurance policy. I was paid approximately XXXX a month to XXXX. I was told it would have to be examined by XXXX aand it would take several days. This is not what Id been told by their salesman when I bought the phone. I was told if lost or damaged it would be replaced on the spot. I left the phone at the store and cancelled my service that day. Complaints have been filed with the Fair Credit Reporting Agency, all credit bureaus have been notifyed and a pending lawsuit filed in XXXX Oregon is being prosecuted against XXXX and a separate action against credence XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sending this complaint again to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$9200.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance {$2600.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$24000.00}.
Product: Debt collection

This debt is not mines, I have no knowledge of this debt until it was posted on my credit report. Please remove from my credit report. Provide a signed contract from myself, proof of validation. Please I will not email you. I want all communition done between CFPB and this company done via this complaint. This is my second attempt to have this removed from my credit report. I provided enough information for you to do a thorough research. I have uploaded what I have of this debt that is reporting on my police report. Maiden name is XXXX
Product: Credit card or prepaid card

I've been robbed of my XXXX XXXX AAdvantage airline miles. I opened up a few of these cards due to promotional offers ( i.e. get XXXX AAdvantages miles after spending {$4000.00} ), and met all of the requirements to do so. I received the miles into my XXXX XXXX account, just like Citibank said they would - great! 

However, recently my upcoming flights were canceled and then my entire XXXX XXXX account was closed! I was accused of fraud, and they wouldn't even tell me why. After over a month they finally told me that I had fraudulently obtained AAdvantage miles from Citibank!

I didn't commit any fraud, and I don't understand why Citibank told them I did. This is a flat out lie and I'm extremely frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion needs to provide proof of validation on cfpb website. Eye do not want the Financial institutions to send me letters in the mail addressed to an all capital name which isnt me but a person which is a corporation. Since TransUnion replies on this website they should provide proof on this website of how a fictitious debt was verified especially when TransUnion along with XXXX and XXXX had no permission to allow frivolous and fictitious created debts to be reported using the Corporation which means employees of child support agencies and the financial institutions once again compelled the use of the social security, card, name and account number with out written permission, consent or authorization by the holder in due course to do so. Every letter that these financial institutions send in the mail will be used as evidence of identity theft in court and the acting Commissioner and/or the director for Social Security Administration will have to be present. Provide proof that TransUnion and IV-D Crime Family which is Child Support Services filled out a Ssa form to compelled the authorized use of the social security number and where the express agreement contract where We all agreed that these employees of private corporations could alter and sell the social security number for profit? If none of these items can be provided than theres mo verification and Eye would like the names of whos committing perjury!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute for a credit card account on my report, that is showing " closed included in bankruptcy '', but I have my court documents showing that this account was never filed in my bankruptcy case in XXXX XXXX. 

I sent dispute to XXXX on XX/XX/XXXX and it was investigated and updated to my credit file on XX/XX/XXXX with the exact same information no changes. 

They said it was verified as accurate but I know for a fact it was not listed on any of court documents as part of a bankruptcy. I would like them to correct this information or delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft/Access to XXXX  XXXX XXXX to acquire XXXX banking information. 

XXXX XXXX  XXXX 1 Compromised Email Dark Web Alert and Phone Number Unknown Phone Number:XXXX Subjects XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My identity has been compromised Years ago. Several accounts have been opened under my name without my authorization or knowledge and i'm unaware of these accounts. In accordance with the law, I have sent a letter to the following creditors in order to verify the debts they allege that I owe and they can not verify debts to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

between XXXX thru XXXX, i was looking to purchase a vehicle and a lot of finance companies reported my credit without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a resident of XXXX, NY- and a Notary. To hold the Public Office I must reside in NY, I've attached my Notary Certificate. Look at any bank statement or credit history and you can see everything happens in or around XXXX, NY. I called and said the debt was not mine. I'd like this removed from my credit score and there are already 2 investigations by XXXX and XXXX I've started, but this will take up to 30 days. I'd like this resolved faster because my rights have been violated. I never was given an opportunity to dispute the debt before sending to collections, even though I contacted the Company. This also ruined my perfect credit score with 100 % payments on-time for 20+ years. The collection agency never contacted me ( L.J. Ross ), I contacted them after they hit my credit score by over 40 points without verifying the debt, and even admitted they made a mistake when I spoke to a manager. They said they called me 4 times after I left them a voice mail and instructed them to call my cell phone number. The manager I called on XX/XX/23 admitted the notices were mailed to the wrong address, and the calls were made to the wrong number even though I provided the correct number in my voice mail. He admitted the fraudulent number was contact area code XXXX XXXX XXXX even though I said to call my number area code XXXX XXXX XXXX He ever said he would talk to the employee about this issue and reprimand them. Proof again I never was given an opportunity to validate the debt- the Manager admitted things were not done right and I was a victim. He also said he could tell this was fraud but could not do anything without XXXX 's permission. I'd like to share this as negligence and violations of the fair credit/report act. Also the people I talked to before management at L.J. Ross were very rude and I'd like an apology from that Company, the Manager/Supervisor at L.J. Ross was very arrogant XXXX was negligent in multiple ways.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year>, XX/XX/year> and XX/XX/year> Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX XXXX  I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payments were made on time, as evidenced by bank statements and payment confirmation receipts, which clearly show that the payment was processed before the due date. 
Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Even though I followed the correct dispute process per the Fair Credit Reporting Act, XXXX, Experian, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX used deceptive tactics and allowed a credit blemish upon my history when they themselves stated they 1. couldn't recognize my identity 2. allowed XXXX XXXX to a backdoor deal wrongfully alleging that i owed a debt when it was paid in full as of XX/XX/2021. XXXX also stated in another document that this was not being reported on my credit history. They lied.