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

My account with XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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. 

XXXXXXXX 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: Debt collection

XX/XX/2017. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, sent an old debt of my to XXXX XXXX XXXX XXXX XXXX Attorneys at Law, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, NY XXXX. The debt that is currently being garnished from my paycheck, is a 10 year old debt. I just received another notice in the mail for another XXXX XXXX XXXX bill stating that I also need to make payments. The business is outsourced in XXXX they customer service representatives keep harassing for payments on multiple accounts. When I ask for all of the accounts for bills I owe the person states that it is under other indvidials ; although they share the same office. My old information is being passed around to multiple people and they have my old address in their system. The representatives at times are rude and pressure me to make payments on the spot. I think this is illegal and I refuse to pay on old debt from 16 years ago ; its against the law in New York State.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I filed disputes to all XXXX credit bureaus. XXXX, XXXX AND TRANSUNION. I DID NOT RECEIVE ANY INVESTIGATION WITHIN 30 DAYS. I've sent letters no response and complaints. I beyond frustrated at this time.
Product: Payday loan, title loan, personal loan, or advance loan

I was approved for {$300.00} XXXX and the money was put into my SoLo wallet. However, I can't withdrawal funds from SoLo wallet. I reached out to support and they couldn't provide any help besides basic troubleshooting that I already performed. I requested they cancel the loan side I can't withdrawal funds.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information. I have discovered several fraudulent accounts and inquiries on my credit report that were opened without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit report : Fraudulent Accounts : 1. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$620.00} 2. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$430.00} 3. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$910.00} 4. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : 1. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX 2. XXXX o Date of Inquiry : XX/XX/XXXX
Product: Mortgage

I XXXX XXXX Have Received a Loan from XXXX on XX/XX/2021 they have not even received the first payment yet and they automatically sold the loan to another company and my original rep will not even pick up the phone. After everyone set me up the loan was approved no one wanted to help. I was stuck and my service rep new I was stuck without a house. I had a pre approval for 3.99 % and Last Minute a week before closing escrow they told me I was not approved and charged an extra {$30000.00} and raised the interest to 4.89, They Knew I could not back out because I has already had paid a {$30000.00} contingency which is non refundable. I really wish they never gave me a preapproval. I could not sleep at night because of the way they set me up. I would talk to the Loan officer everyday so he knew me very well. The payment they showed doesnt match what they told me and emailed me on paper. I was also told that I would receive a check for all of the over payment I made and still havent. The house I purchased was for {>= $1,000,000} in reality with closing coast they charged me almost {$100000.00} For closing that is straight getting robbed I understand people need to make money but there was no honesty. I am a little bit old fashion and I trusted what the loan person told me but now im the one getting handed to from all ends. The money in escrow shows XXXX, but XXXX has can canceled and put a stop payment for XXXX and when I asked the Rushmore rep could not tell me, the question is where my money went and why is my loan much higher. I have paid for the whole year of full coverage insurance and still getting charge. In This loan Amount I has been charge twice for things that have already been paid I believe it is Rushmores fault for taking new loan they have no idea about. Rushmore rep told me to call XXXX and resolve it. In the loan the three months taxes were paid up front so the first three payments are supposed to the lower than XXXX in reality if everything was really paid up front which XXXX didnt, the first 3 months payment is XXXX. XXXX has to Put the XXXX back into escrow why are they stopping payments on what was paid and in the loan. Also XXXX which XXXX could not closes on time my reps XXXX XXXX and XXXX XXXX that they would reimburse seems like also the put on the loan. I want to see the trace of where all the money went. This Loan amount is the wrong amount they still charge me for the things I already paid for like appraisal, insurance, tax and other fees I want you guys to go over it and fix their mistakes. If Rushmore wants to take responsibility for the loan I need answers as soon as possible so I know if I need to take legal action this in not my first loan but first time dealing with two mickey mouse companies. I have already reported to the Consumer Finance Protection Bureau and ready to take a lot more steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXXXXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX
Product: Credit card or prepaid card

On XXXX of XXXX, I received a bill from Comenity bank XXXX XXXX for {$80.00}. Because I paid this bill late by mistake, I was assessed a late fee of XXXX I called them some time in XXXX to ask them if as a one time courtesy, they could remove the late fee. The customer representative then told me that she would cut the late fee in half, which would leave me a balance of XXXX}. I paid the {XXXX} through my bank immediately and never received any other statement from them. 

On XX/XX/XXXX, almost a year later, I received a letter from Comenity asking for {$120.00} without any explanation for that balance. They closed my account and turned it over to XXXX XXXX XXXX. They waited almost a year before contacting me, turned my account over to XXXX agency. I havent received any other statement since XXXX of last year. 

If I understand well they never gave me that half credit for the {$29.00} late fee added in XXXX of XXXX. Instead they have been adding late fees after late fees on the about {$14.00} balance for XX/XX/XXXX. I have not received any bill from them since XXXX of XXXX. This is ridiculous and pure theft. This bank has a D rating with the better business bureau. They are downgrading my credit score which was over 800.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Barclays at XXXX XXXX  XXXX, XXXX DE XXXX in ref to account ending in XXXX to resolve an error of late payment that was reported to credit bureau as well as intentional misinformation by their customer service which is documented in my initial letter ( and in barclays system, phone call is recorded ). The nature of error is that the credit card account number had changed associated with incorrect contact information. There was inappropriate minimal charge from a recurrent charge from previous card account number that should not have carried over and I was not notified of said balance and only learned of this by looking at my credit report. I contacted customer service in which their floor supervisor agreed with the nature of above explanation as to how mistake occurred clearly informed me that Barclays does not have the ability to correct this mistake which is false to facts. I then proceeded to contact barclays directly ( I addressed one letter to the president of bank ( which was given to me by supervisor spoke with exactly ) which was returned to sender however opened ) and they disrespected my concerns ( they did not do any investigation or reported of such - in their responding correspondence as attached ) blatantly and proceeded to close my account without notice. This behavior I suspect is quite unethical and possibly illegal. I would wish to be able to resolve this and remove their injurious effects to my credit standing. 

This level of injustice is not acceptable and I am willing to expend effort to contact editors at XXXX, XXXX, XXXX to report this unethical business conduct so that other consumer may be aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 1. You have not put the notice required by section 623, even though I have disputed this account in the past. This shows you didn't do a proper investigation which is a big violation. XXXX Account Number : XXXX Please Submit onto the ACDV form and please Delete it under section 1681s ( 2 ) ( b ) 2. The creditor never sent me a post-repossession notice which was supposed to provide me with the amount due, where to pay, and where to get my vehicle back. I was told that I have no right to reinstate which is a violation of state law. 
XXXX Account Number : XXXX If you can not prove that this account is being reported accurately, then delete it XXXX have not put the notice required by section 623, even though I have disputed this account in the past. This shows you didn't do a proper investigation which is a big violation. 
XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) 4. You have not put the notice required by section 623, even though I have disputed this account in the past. This shows you didn't do a proper investigation which is a big violation. 
XXXX XXXX XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment?

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt XXXX, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- summary Equifax XXXX XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX Name XXXX Date Assigned XXXX XXXX, 2022 Original Balance {$28.00} Current Balance {$28.00} Responsibility Individual Status Unpaid Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2022 CFPB Complaint # XXXX XXXX  : XXXX XXXX  XXXX, XXXX ( XXXX XXXX is a collection agency contracted by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX to collect past due accounts. The accounts that XXXX places with XXXX for collection are assigned, not sold to XXXX. All accounts remain the property of XXXX. Upon receipt of this dispute, XXXX requested the supporting documents associated with this account. Upon receipt of the documents and investigation of the claim with XXXX it was determined that XXXX XXXX is an authorized signer for his company, The XXXX XXXX and is not personally liable for this particular matter. Subsequently, XXXX has canceled the account and conducted a removal of the reporting for this specific account to the credit bureau on XX/XX/2022. Please find attached this removal request. 
Closed with explanation
Product: Credit card or prepaid card

Hello, I am contacting you again regarding credit collection for the balance of XXXX that I received a letter regarding. This account was my wife 's who passed away in XXXX and there was fraud or something. Also, on XXXX XXXX, XXXX, I was in a hit-and-run accident and found by XXXX to be permanently XXXX and I live on XXXX. I would like to fix my credit and I am reaching out to see if this debt can be released due to the fact I have provided. I tried to take care of this for years but please will someone contact me back by email or phone to validate you received this contact and working this out due to the fact I am XXXX and can not work? I need this verification for my lawyer and I have also turned this into the credit bureau for a complaint. I need this debt released permanently as many creditors have completed it. 

Best Regards, XXXX XXXX
Product: Mortgage

3rd request ... Astoria Federal Savings bank is still reporting that the mortgage that was paid off in XX/XX/2014 was " Settled for less than Balance '' with XXXX. With your help, the bank has finally cleared up the false reporting statement and correctly removed the negative payment information with XXXX and XXXX. It 's taken nearly two years, and I thank you. The negative information has caused me to be forced into paying a higher rate on my new mortgage by at least .25 % and has prevented me from gaining additional credit on a new credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXRequest Form to all 3 credit bureaus but received no response. I set up an account online with XX/XX/XXXX and made 4 attempts to get a free credit report but they insist on charging me ; and their phone is automated with no helpful option that goes back to where it was before. I tried to get a free credit report from all 3 credit reporting agencies online but they refused.
Product: Checking or savings account

on XX/XX/XXXX XXXX I made a purchase with XXXX XXXX apartments one for XXXX and another for XXXX. However, I was denied the apartment and was due to receive my security deposit back. XXXX apartments was giving me the run around about my refund, so I decided to dispute the payment. After a long haul they finally gave me a check for my money, so I called my bank and canceled the dispute, during the dispute my account was never credited the money. On XXXX XXXX my bank Suntrust now Truist sent me an email stating that the claim case numberXXXX was closed being that I wish to no longer dispute it. Again, I was never credited during this time, which made it a smooth case close. However, I receive a court document stating that XXXX apartments was suing me because the XXXX was taken from there account. Am confused because I was never credited the money and the case was close. When they lawyer sent me their bill of particulars it was an email sent from XXXX on XXXX XXXX stating that the money would be taken from there account because of the dispute. However, according to my bank letter the case was closed on XXXX XXXX. My bank has already confirmed XXXX times that I did not receive a credit. Now my problem is the judge wants to know where the XXXX taken from there account went. I think these people are lying but I need you guys to investigate this, or everybody including all banks will have to be subpoenaed to court.
Product: Checking or savings account

I'm utterly crushed by what's happened over the last four months. Around XXXX XXXX, Chase suddenly closed both my personal and business checking accounts, wiping out a total of {$110000.00} and about {$2000.00}, respectively. It hit me like a ton of bricks when I tried to log in and found myself locked out. After countless calls, all I got was -- -they could not tell me why and that a check with the amount of all the money in the account would be mailed out to me, I shall expect to receive it after 14 days. 

But two weeks came and went with no sign of that check. I felt helpless, especially since I was visiting family in Florida at the time, and all my attempts to sort things out at the local branch led nowhere. XXXX XXXX, the branch manager, did her best to help, even reaching out to Chase 's legal team, but we got no response. 

I poured my heart out to Chase 's complaint team, offering whatever they needed in order to expedite my case faster since I really needed all my savings back. I cried many times, over the phone, in the branchescountless times. I explained to them -- -this money wasn't just mine ; it was everything my parent had scraped together in XXXX to support my XXXX 's education in the US , plus my own hard-earned savings from the past year. 

After what happened, I had to borrow money from my friends to pay my rent, tuition, and monthly bills. Since I put almost all my money in Chase, I did have not enough money left for me to sustain my living. I feel desperate. 

Despite XXXX from the Chase 's complaint team 's efforts, we hit a brick wall with Chase 's legal team. No matter how many times I tried to reach out to the legal team. There was 0 response. All I heard back was It is under review by the legal team. '' " The legal team didnt respond. '' " They will let you know once its approved. 

I've tried everything, but I'm at my wits ' end. It's not just about the money anymore ; it's about the injustice of it all. Chase shut me out without explanation, leaving me high and dry. I'm pinning my hopes on the Consumer Financial Protection Bureau to step in and right this wrong. 

I have attached 1. The document I received from Chase for my last checking summary ( it was recorded they took out all the money on XX/XX/XXXX with an amount of XXXX. ) 2. Screenshots of the emails I sent to Chase 's branch manager XXXX in XX/XX/XXXX 3. The Chase 's complaint team 's phone number & notes I recorded for me to call Chase every day.