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 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 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 on 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 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: Credit reporting or other personal consumer reports

Hi there, this is XXXX, and I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. 
Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XX/XX/XXXX
Product: Mortgage

I recently submitted a complaint, XXXX, against Wells Fargo for overcharging me for flood insurance and they just increased the amount again before the original complaint was resolved. This certainly appears to be retaliation. My mortgage payment per the original contract is {$1500.00} and they now want {$1500.00}. That is a lot more than the {$9.00} per year in the initial bill. I don't understand how they are allowed to continue in business with their well documented history of mistreating customers.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX failed to properly investigate account XXXX account # XXXX. Ive dispute this account multiple times. The account is showing late payments with collections. The account has been paid in full. The open date is inaccurate, the close date is inaccurate, the payment history is inaccurate. Showing delinquency after closed account.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I used the website " XXXX XXXX '', as they the most trusted website for XXXX XXXX XXXX to find short term housing. I saw a listing for an apartment on the XXXX XXXX for {$1500.00} per month, plus a {$500.00} deposit prior to moving in, which is a very common practice. I inquired about the properties availability and received an email from " XXXX XXXX XXXX XXXX XXXX '' on XX/XX/XXXX stating the property is still available. I was provided application paperwork and was told I was approved on XX/XX/XXXX. There were subsequent emails back and forth with this what would turn out to be completely fraudulent company until XX/XX/XXXX when I sent my {$2000.00} via Zelle for first months rent and deposit. Being out of state and needing to secure a place to live before I arrived, I have no choice but to pay via electronic funds transfer. I don't see why using Zelle would or should make any difference in whether or not I receive a reimbursed from the bank? Regardless of how I would've paid, this was a scam and complete fraud through and though. The form of payment is irrelevant. I was defrauded out of {$2000.00} and because of XXXX XXXX  refusing to refund me this money, I still do not have a place to live and am more thank likely going to have to 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate this account Account name : XXXX XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXXOriginal Creditor : XXXX XXXX ) XXXX ( Balance : {$1000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$570.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXXBalance : {$2100.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost gravity pertaining to the unauthorized sale and acquisition of my personal information, which transpired as a consequence of my unfortunate status as a victim of the XXXX data breach. It has come to my attention that certain items, resulting from this breach, persist on my credit reports. In light of this, I am hereby formally demanding the immediate removal of these deleterious entries. 

I have taken the liberty of appending incontrovertible evidence that substantiates XXXX 's acknowledgment of my victimhood in the aforementioned data breach. Despite this acknowledgment, regrettably, no corrective action has been taken on the part of XXXX to rectify the impact on my credit history. 

It is imperative that you extend your expertise to rectify this matter with utmost urgency. I seek your professional assistance in expediting the expungement of these illicit accounts from my credit report, in alignment with my rights and the laws governing consumer data protection. 

Your prompt attention to this matter is not only imperative but also anticipated, and I trust that your legal acumen will serve to address this situation with the gravity it demands. 

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

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is creating undue stress, and I implore you to quickly correct it by ensuring my records are updated accordingly.
Product: Credit reporting

I never established accounts or know anything about the following three creditors listed on my credit report XXXX XXXX reported by XXXX XXXX XXXX XXXX reported by TransUnion, XXXX XXXX reported by TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to know, why, in terms of credit score and credit report, a person who filed individual bankruptcy because of underwater mortage and the impossibility of financial options ( they were none according to the bank ), is treaty as equally as a person who filed individual bankrupcy because financial mishap. 

People who were collaterall damages in the economic downfall and de-regulation of lenders, are having such difficulties to buy another house. Why in credit reports does not say : underwater foreclosure. 

What can I do? What agency have address this issue and solution? Not even Consumer Finance have this topic 4 discussion as I looked ( see attachment ) Real Estate were not supposed to devaluated, let alone by 50 %, so what to do. 

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

To XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXXr Log # XXXX File # XXXX You are required by law to report accurate information ... the information you are reporting has the wrong addresses, therefore it is inaccurate. I understand that under 15USC 1681i ( a ) ( 3 ) ( a ) you are required to complete the reinvestigation within 30 days of receiving this notice. 

Reference # XXXX, Wrong Address, Delete & Remove Reference # XXXX, Wrong Address, Delete & Remove Reference # XXXX, Wrong Address, Delete & Remove The information listed above is inaccurate and does not reflect my true credit file, in accordance with 15 USC 1681i ( 1 ) ( a ). I am requesting that you immediately remove those files The addresses you have on these reference are not my address, my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ONLY )
Product: Debt collection

Hi, My name is XXXX XXXX XXXX, Consumer, who currently resides at XXXX XXXX XXXX XXXX XXXX, FL XXXX, which is in XXXX XXXX XXXX I am writing this complaint because XXXX XXXX, has violated several consumer protection laws. I, XXXX XXXX XXXX, Consumer, am hereby placing XXXX XXXX, on a Cease and Desist Order. XXXX XXXX, is not allowed to transfer the title of the XXXX XXXX XXXX XXXX other person or entity. XXXX XXXX, is not able to close the credit account of XXXX XXXX XXXX, XXXX. This would be unauthorized use of XXXX XXXX XXXX, XXXX 's, XXXX 's account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Identity theft, known per local XXXX report XXXX XXXX. XXXX continue to get unauthorized charges to XXXX XXXX XXXX card for XXXX XXXX, XXXX and XXXX XXXX. I do not have these accounts. I never authorized. 

I contact XXXX XXXX and they blame me or my XXXX XXXX XXXX son. This has to stop. 

XXXX XXXX says they put fraud alert but to block I have to call the number on the back of every new card I get from them and it never happens. I tell the police and get report numbers. I have XXXX XXXX account statements. 

I do not have XXXX XXXX, XXXX or XXXX XXXX XXXX accounts. Ca n't get through to block these unauthorized charges to my XXXX card so I closed it. 

I closed the XXXX XXXX account yesterday due to their incompetence. XXXX XXXX had ID theft name and address for XXXX years without telling me until XXXX via XXXX report.
Product: Credit reporting or other personal consumer reports

This account was paid successfully and they have not updated it on my credit report.
Product: Debt collection

I was checking my credit report and notice fraudulent accounts. I provided 2 forms of ID to prove my identity.
Product: Credit reporting or other personal consumer reports

PLEASE READ ATTACHMENT. RESPONDING TO EXPERIAN WITH CURRENT OPEN DISPUTE. ( SUPPORTING FTC REPORT )
Product: Debt collection

I am filing this complaint because pro collect ink ink is a collection agency who refuses to allow me to create a payment plan I am aware that I owe {$1900.00} as they stated but I have sent a check of which they returned I sent another check through a company called XXXX XXXX they kept that one In the amount of {$30.00} which would which should have showed them that I was trying to make the payment I'm not I don't have the documentation at the moment because I am no longer in the XXXX XXXX program as this company has caused many hardships for me I have been homeless 3 times since this wrongful eviction the initial charge was from a XXXX XXXX breakup and I went to a XXXX XXXX XXXX and I did explain to the management in the leasing office that I wasn't going to be able to make the payment for that month so I paid for XXXX and then I moved out by the next month which should not have been filed against me because she said that it would be but either way the charge is there I have suffered for 7 years from this and it has caused such hardship that I have been homeless like I said XXXX times since this I have sent letters to pro collect I have called I have gone to their office and requested payment plans I was told they do not have a payment plan option i'm a XXXX XXXX XXXX XXXX XXXX I do not have {$2000.00} at one given time ever but I am reporting because they have not allowed me the opportunity to pay them back so that I could be better off and move on with my life while they have chosen to hold me down it's been past the 7 years And this item should be removed from my credit report as it has been from all of my other credit reports this is the only one that shows up on my rental history and I would like for it to be removed if it is not removed I would like to follow a lawsuit due to the fact that I have requested and basically begged for them to allow me to set up a payment plan due to my status as a single mother with low income
Product: Mortgage

Loan depot allowed XXXX XXXX who lives at ( not the mortgage in question ) XXXX XXXX XXXX XXXX XXXX IL XXXX to fraudulently obtain a mortgage using ppp funds that she obtained using false documents and even if she didn't obtain the ppp fraudulently it is against PPP rules to purchase real estate with a ppp loan this is fraud. This info was relayed to loan depot and they chose to ignore it making them complicit.
Product: Credit card

XXXX - Synchrony Bank closed my Care Credit account and my TJx Mastercard account. I received a letter stating due to activity of high-risk failure to pay. I have never in over 10 years missed a payment or submitted a late payment. I attempt to contact both care credit and Tjx Mastercard which are financed by Synchrony Bank and no one can give me answer. I paid off my care credit to XXXX on XXXX different times never a late payment. I paid over {$1000.00} in one payment to TJx Mastercard and they close the account leaving a {$140.00}. Then XX/XX/XXXX Synchrony Bank closed my pay pal credit account which i use and need and have had over 10 years never ever late payment or missed payment. I take my credit score very serious, and I am outraged at this financial institution business practice. I feel this is discrimination accusing someone of high risk to pay. This is false and not one person can explain it or provide a department or contact person for me to speak to for clarification. I have copies of my credit report, and I have expectational payment history. I am employed with XXXX  XXXX full time, responsible and productive member of my community and have means to pay bills with history of payments to all my creditors. I would like to have my accounts mostly Pay Pal credit reinstated.
Product: Credit reporting or other personal consumer reports

I CONTACTED ... .NOTIFYING THEM THAT THE HARD INQUIRE FROM XXXX  XXXX IS INCORRECT ... ..I CALLED LAST YEAR AND THIS YEAR... EACH TIME THEY USE DELAY TACTICS TO DISCOURAGE ME...... ..ALSO THEY MAKE IMPOSSIBLE TO GET HOLD OF CUSTOMER SERVICE THIS ISSUE IS REALLY SIMPLE I CONTACTED CAPITAL ABOUT THE INQUIRE, THEY TOLD ME " THEY DON '' T SEE ANYTHING ON THEIR END ...... I DO NOT OWN A CREDIT CARD OR LOAN FROM XXXX... 

I CONTACTED XXXX REGARDING THIS MATTER THEY DELETED WHILE I WAS ON THE PHONE .... 

XXXX AND EQUIFAX HAS THE REPUTATION FOR USING DELAY TACTICS EACH TIME ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a credit card name XXXX on my credit report which is not opened by me its and fradulent account that shows on my credit report. Please remove the fradulent XXXX  credit card account.XXXX credit card is fradulent account opened on my name
Product: Mortgage

I have been trying to get my escrow account corrected for the last 3 months. I am beyond frustrated with Mountain West Financial. They are saying my escrow account is negative {$10000.00} and that is impossible. When I called them I was able to see that they paid my supplemental taxes and they were supposed to refund me the error in payment so I can correct it and this is still ongoing and now my payment has gone up from XXXX, down to XXXX and is not at XXXX No one can tell me why this is happening and today was the last straw as their servicing department hung up on me. I don't feel that it is fair that their poor accounting has rendered my escrow account to be negative and is now increasing my payment by over {$1000.00}. I can not afford an additional {$1000.00} a month and this could possible affect my ability to make my payments and could result in me losing my home to foreclosure.
Product: Debt collection

Company continues to try to collect a medical debt that was covered by my health insurer. I have not seen evidence where they filed or sent me a bill to cover their charges.