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

My account with 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 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 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: Money transfer, virtual currency, or money service

I Purchased a set wave ( Antenna ) from XXXX did not realized it was a company in XXXX on XX/XX/2019 through my pay pal account. I filed a compliant with pay pal because the company double charged me, when the package came I wrote refused on the package and returned it to the post office without opening it, I was no longer interested because of the double payment. Im being refused a refund of {$69.00} because I did not have a confirmation number for the return. The post Office told me they dont give a tracking number for packages returned unopened. I disputed the charge with XXXX and they denied my claim. 
Dispute # XXXX and Transaction ID XXXX. Can anything be done about this. I dont have {$69.00} to give for nothing. Thank you XXXX
Product: Bank account or service

I have had a checking and savings account with PNC bank for 6-1/2 years. On XX/XX/XXXX, my husband went into a local branch with me and had his name added to both accounts. On XX/XX/XXXX my husband received 2 letters, both dated XX/XX/XXXX from PNC bank stating that both the checking & savings accounts would be closed on XX/XX/XXXX and that my debit card would no longer work after XX/XX/XXXX. NO REASON WAS GIVEN. I called the branch & spoke to the young lady who added my husband 's name to the accounts. She said she did n't know why this was happening but she agreed to call corporate to get an explanation. The following day she called to say that she was given no reason and that there was nothing I could do to stop the accounts from being closed. Then I called corporate and asked why the accounts were being closed. I was simply told that PNC bank had elected not to continue its relationship with my husband - NO REASON WAS GIVEN. On XX/XX/XXXX, I closed out both accounts and will never again do business with PNC bank.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Account Numbers : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, I am writing to formally dispute inaccurate information on my credit report as provided by Experian. As you are aware, I have previously submitted disputes regarding discrepancies on my report, but the issues have not been resolved. Specifically, the information related to these accounts were open without my knowledge due to identity theft and is still incorrect despite my attempts to rectify this matter. 

As you know, the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failing to properly investigate consumer disputes and for maintaining inaccurate information on credit reports. This lawsuit highlighted issues similar to the one I am currently experiencing, where inaccurate and outdated information continues to be reported despite consumer efforts to dispute it. 

In my case, the following inaccurate information is still present on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX FINANCE XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Date open XX/XX/XXXX As a consumer, I am entitled to accurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), Experian is legally obligated to thoroughly investigate and correct any inaccuracies or outdated data on my credit report within the specified time frame. However, the repeated failure to do so has not only harmed my credit standing but has caused undue stress and financial harm. 

Therefore, I request that Experian conduct a thorough reinvestigation of the disputed information and take the following actions : 1. Remove any inaccurate or outdated information immediately.

2. Provide me with written confirmation that the corrections have been made to my credit report.

3. Supply me with an updated copy of my credit report showing the changes. 

Please consider this my formal request for the correction of inaccurate data on my credit file. If I do not receive a satisfactory resolution within the XXXX window stipulated by the Fair Credit Reporting Act, I will have no choice but to escalate this matter to the appropriate regulatory authorities, including the CFPB. 

Thank you for your prompt attention to this matter. I look forward to your timely response and the resolution of this dispute. 

Sincerely,
Product: Checking or savings account

The Valley National Bank gave me {$1000.00} over-draft protection. The two bank officers at its branch in XXXX, New Jersey told me this. One said, " XXXX XXXX, I have good news. The bank has approved your application for {$1000.00} over-draft protection so you do not have to worry about fees for insufficient funds. '' Subsequently, the Valley National Bank charged me {$72.00} for two checks for alleged insufficient funds. 

I do not want to bank at Valley National Bank anymore given this incompetence and inefficiency. But I paid nearly {$100.00} for business size checks. I want to close my checking account and be refunded the said payment for the business size checks.
Product: Payday loan, title loan, personal loan, or advance loan

My car was repossessed on XX/XX/XXXX. I received a letter in the mail stating that even though my car had been repossessed that I still owed the remaining balance of the loan. It also stated that I would receive correspondence in the mail of when and where my car would be sold, which I never received. 

On XX/XX/XXXX I called XXXX XXXX XXXX  ( XXXX ) which was the repo company that was in possession of my vehicle, they informed me that all of my belongings in my vehicle were donated, they did not have my tags, and that on XX/XX/XXXX my car had been moved to a new location, which they would not disclose. 

On the same day XX/XX/XXXX after speaking with XXXX XXXX XXXX, I reached out to Onemain 's repo department to inquire about the whereabouts of my vehicle. They informed me that my car had not been sold yet and that again I would receive a notice in the mail about where and when it would be sold, to which was a lie. 

My car was then sold and I still did not receive any information of the sale, I only found out that it was sold because my credit report updated and it showed that a credit was applied to the loan. 

I have had XXXX Informed delivery since XXXX, this is a feature from XXXX that allows you to receive an email with a digital photo of every piece of mail that you will receive for the day, so if they sent any type of communication I would have seen it.
Product: Debt collection

I have never signed any documents or received any goods or services from this agency. I just started to receive letters.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX account XXXX has violated 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 an account without my written instructions
Product: Mortgage

I received the marital residence in my divorce. I went to the title company to find out what had been going on with my house as the payment had went up substantially since we built it, closing in XXXX. I found out my now ex husband had refinanced our house multiple times without my knowledge. Then he started hardship letters, and loan modifications. In XXXX of XXXX he refinanced and somehow got my name off the mortgage loan. Because of this the loan servicing company wouldnt even talk to me. One modification that stood out to me the most was one done in XXXX of XXXX. The notary I knew personally. I was out of the country when the modification was signed, notarized and stamped. When I questioned the notary about it she denied doing the notary, but after turning it over to the sheriffs department when they questioned her she told them I signed in front of her. How can that be? I was in XXXX with my sister on XX/XX/XXXX. I had proof. The detective  didnt care. He said she said I signed in front of her so the investigation was at a standstill? I contacted Wells Fargo and they sent me what they had on file for my home. What they have and what XXXX county has on record do not match, and the loan modification that was signed and stamped in XXXX of XXXX, they sent me a copy of that modification. They have a different notary that signed and stamped then what is on file. Not only a different notary, but they show the notary signing on XX/XX/XXXX, and we supposedly signed the papers on XX/XX/XXXX. What happened to XX/XX/XXXX? And how can a notary sign and stamp papers that we didnt even sign until XX/XX/XXXX? I did not sign any papers! Now I am fighting to keep my home because of illegal actions of others. I had a mortgage on my home. Now Im not even on the loan? And my now ex took so much money from our house without any consequences? I am confused as to how nobody noticed any of this, and I want justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act this creditor has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

Lendingpoint LLC offers financing to XXXX sellers I applied for financing for my XXXX store on XX/XX/XXXX and was approved for a loan. I paid the loan off within 6 months though I had 36 months to pay. I reapplied for another loan on XX/XX/XXXX and was denied due to too many inquiries which were on my credit report when I applied back in XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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. 

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Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I completely paid off my car note, but all 3 credit reports still report the wrongful repossession. The XXXX repossession should be removed but its still being reported after it was promised to be removed by XX/XX/XXXX. 

Previous Case XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with monetary relief Company 's Response Thank you for bringing your concerns to our attention. According to our records, you executed the attached simple interest retail installment contract on XX/XX/XXXX for a XXXX XXXX XXXX reflecting a payment amount of {$280.00} for 60 months. The contract went into default when you failed to make payments in accordance with the payment schedule, and when the vehicle was impounded due to unpaid parking violations. On XX/XX/XXXX, we received a notice of impound from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX informing us that the vehicle was impounded on XX/XX/XXXX, and that we had 21 days to recover the vehicle to prevent the vehicle from being sold at a lien sale. As of XX/XX/XXXX, the vehicle had not yet been recovered by you, and to minimize any further daily storage charges of {$35.00}, we retrieved the vehicle from the impound lot on XX/XX/XXXX. In order to retrieve the vehicle, we paid {$520.00} in towing and storage fees to the impound lot. We reviewed the XX/XX/XXXX interaction between you and our representative, and agree you advised us of your intention to recover the vehicle from the impound yard. Therefore, we are refunding the {$470.00} repossession fee assessed to your account. We recommend that you allow 5-10 days to receive the refund check. Additionally, we have requested that the Consumer Reporting Agencies ( CRAs ) remove the repossession indicator from your credit profile. Although we have made this request electronically, it is our understanding that it can take the CRAs up to 45 days to make the change. Finally, we are not able to restructure your contract to lower your monthly payment. This is because, as an indirect lender, we generally are not licensed to offer loans directly to the public so we can not offer refinancing. If you wish to refinance, we recommend that you explore your options with another lender such as a local bank or credit union. We appreciate you taking the time to write and provide feedback to us. By sharing your experience, you help us identify areas that may need correction or improvement, which will allow us to continue to strive towards providing extraordinary care to all of our customers. Thank you. 
MONETARY RELIEF AMOUNT {$470.00} Best, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am lodging a complaint today to bring to your attention that I have been a victim of fraudulent activity. After conducting research on the proper procedure to address this issue, I discovered that I need to file an identity theft report with the Federal Trade Commission or visit https : //www.ftc.gov. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report with reference number XXXX. Attached are documents to facilitate the removal of inquiries that have been erroneously posted to my report. Below is a list of items that were opened without my authorization : XXXX : XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Per FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX I have been reaching out to XXXX and TransUnion regarding incorrect public information on my credit report since XXXX of 2023. XXXX and TransUnion continues to claim the public record has been verified but continues to not send me their method of verification or stating that a third party company XXXX XXXX has verified this information. According to the Federal Consumer Reporting Act ( FCRA ) information has to be XXXX XXXX accurate, correct, and verifiable by the ORIGINAL CREDITOR which it continues NOT TO BE! I also have documentation stating that the court house does not verify these things and they keep saying its verified. I have filed a complaint with the BBB as well. If this is not resolved in XXXX days I will have no choice but to take the next steps per my legal consul and seek up to XXXX in damages and I will submit a complaint to the FTC. This is currently affecting me from purchasing a home and I am a single mother with no place to go this is messing with my livelihood.
Product: Student loan

I explained to Mohela that I was XXXX from XXXX until XXXX and they told me that was too bad that I would have to pay the full amount including interest of a loan that started out at {$15000.00} now it is at the amount of {$56000.00} plus There was no way I couldve paid this loan while XXXX  for XXXX XXXX years plus I would be glad to pay the {$15000.00} owed without the interest incurred. Thank you. PS. I do take responsibility for my actions now its time they take responsibility for theirs.
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My debit card was stolen on XX/XX/2018. The bank then noticed and notified me by phone stating if I authorized 6 transactions of {$500.00} totaling XXXX removed from checking and savings account from a local ATM. I adviced them that was not me and that when it was stolen I was not in that area and that my card was stolen, I did let them know what I did authorize. They re instated the stolen amount until the investigation is on going and they make a final decision. As of XX/XX/2018. They stated my claim was denied and the investigation is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting that I have late payments for my XXXX card. I contacted XXXX and the are stating that my account is in good standing and has been with NO reflection of late payments. I have tried over and over and finally have nowhere else to turn for help.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

I do not have an account or debt with Portfolio Recovery. My information was sold without my consent and I am being punished for it.
Product: Money transfer, virtual currency, or money service

On dates between XXXX and XXXX of this year ( 2024 ) I sent 7 total transfers through XXXX on my PNC banking app to a " friend '' who was selling me 2 vehicles. I sent a total of {$6300.00} and never received the promised goods. The friend 's XXXX had been hacked. This money was stolen by a stranger and PNC simply " denied '' 2x requests to reverse payments or reimburse charges. I was not informed if the account that stole my money was investigated or just kept on stealing from others ; I was not advised on further actions to take, and I was not told if PNC had attempted to reverse the transactions.