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

My account with these company 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.

This company 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

I am writing to dispute fraudulent accounts reported to XXXX under my name : XXXX XXXXXXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX  - Account Number : XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX I have requested an investigation and removal of these accounts but no action has been taken. The entities are in violation of 15 US Code laws, specifically 15 USC 1681s-2 and 15 USC 1691N . I urge immediate intervention to resolve this issue and hold the entities accountable for non-compliance with the aforementioned US Code laws. I have provided an attachment of what is wrong.
Product: Mortgage

My lender increased my payment by {$260.00} per month due to what they call a " mis-calculation '' of escrow last year. This amounts to about a 32 % increase of my mortgage payment! This has a major impact on our already tight budget. I do n't see how this big of a miscalculation can take place and then the lender can simply say oops but that 's the way it is and we ca n't help you ... now go talk to your bank.
Product: Debt collection

I received an email alert that Credence Resource has flagged my credit report account as collection causing it to fall XXXX XXXX. 
I went back through my emails and found that Credence said that I had until XX/XX/2024 to dispute this debt. 
Credence had start to report the collections by XX/XX/2024. Violation!!! 


Collection Agency has not provided validation Information u

nder 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) (
4 ) ( i ) Collection agency is violating my rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am letting Credence know that I am disputing owing any and all debts to them.

Revoking all rights of them communicating with me through email/text/calls.
I am requesting Credence Collections debt validation, purchase agreement between them and the original creditor, and furnish proof that they are licensed and bonded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX  regarding fraudulent activity involving Navy Federal Credit Union ( NFCU ) that was deleted from my account. On XX/XX/2020 I looked at my credit report online and found erroneous information ( phone number and current employer ) that appeared to be related to the recent fraudulent activity. I then called XXXX to have it corrected and was told to contact NFCU regarding access to any other documentation that may help inform me as to the extent of the fraud and/or provide additional information for an investigation. I next called NFCU to obtain copies of the application and any other related account documents. I was eventually transferred to XXXX in Security Operations who informed me that they could not provide that information to me unless I had a subpoena. I asked several times if there were a way to prove my identity or provide a police report, and also mentioned victim rights of identity theft under FCRA, but was still told I could not have the information and that I should call back in 15 days so that they could advise me on the matter. She would not elaborate what that advice would be.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my credit score changed on all 3 credit reporting agencies. On paper it shows with XXXX and Transunion that my credit score went up XXXX XXXX points. They refuse to report it online. 2 months ago I sent a research request form to XXXX to change my credit report online. No response. I have requested Transunion to call me back and change my credit score online no response. Right now I only care about Transunion because XXXX XXXX XXXXXXXX only works with them. I am trying to get a mortgage. All three credit reporting agencies should give me more than XXXX FICO points back. I had a XXXX late payment deleted from my record but all credit reporting agencies refuse to give me all of my points back.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account in my report that is causing my scores to drop. It is reported inaccurately and I want it removed for violation of FCRA.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2017, I attempted to send {$60.00} USD to a friend via Western Union. The fee for " in minutes '' availability is {$13.00} for this sum. When going through the process to send money, the questions asked about the receiver are : First Name, Last Name, Phone Number ( optional ), and State. " State '' is not listed with any context, so it could be " State where recipient has a government-issued ID from '', or " State where receiver is a resident '' or " State where money is to be received ''. At the bottom of the screen are the disclaimers, which update as you make transfer choices to show relevant information. One such disclaimer is " 6 Your Receiver can pick up your money transfer at any of our Agent Locations in United States ''. However this turns out not to be the case, as the ambiguous " State '' field is in fact " State where money is to be received. I phoned WU to have the State of my order updated. They were able to do this without issue. My receiver went to an agent location in the now-correct state, and was asked for a phone number. This was an optional field when sending, so I did n't fill it out. The WU representative told my receiver that this was the only way to look up the order. So I called WU again. They told me that they did n't in fact need receiver 's number, that receiver could simply provide the number and this would resolve the issue. This did not work. WU then told me to have my receiver call WU and have them speak with the local agent. This did not resolve the issue. My receiver had to go to another WU location where money was furnished.
Product: Money transfer, virtual currency, or money service

it is a scam a person asked me for money for a job that he never did and now he is threatening me to send him more and he refuses to give me back what I paid. The transactions where {$280.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$400.00} on XX/XX/XXXX, {$600.00} on XX/XX/XXXX, {$1000.00} on XX/XX/XXXX, {$900.00} on XX/XX/XXXX, and {$1800.00} on XX/XX/XXXX. I tried to canceled them but I havent been able and this person refuses to return it and is threatening me
Product: Vehicle loan or lease

Loan with Exeter Finance for a XXXX XXXX XXXX. The loan amount of {$10000.00} was paid in full on XX/XX/XXXX and the account was closed on their end but they will not update it on my credit report. The amount keeps increasing however leading to my credit dropping. I have contacted them multiple times regarding this and they always say end of the month do not worry or its the credit bureaus fault. 

On XX/XX/XXXX, I purchased a new vehicle through XXXX XXXX XXXX XXXX in XXXX, NJ. I traded in my XXXX XXXX XXXX and made an agreement with the car dealership that they would pay off my existing loan of {$10000.00}. They did and the check cleared on the XXXX of XXXX, XXXX. I called Exeter Finance to confirm and they confirmed and told me my account was paid in full and closed ( screenshot attached for the confirmation on Exeters customer portal ). I was told by the end of the month, everything would update and that it would reflect as closed and paid in full. It is now XX/XX/XXXX and nothing has updated. They always tell me theres nothing they can do and that I have to wait and seeming how this account is current and keeps updating, it is affecting my scores still although the account has been paid in full.
Product: Credit reporting or other personal consumer reports

My account with the company and i 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.

This company 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: Mortgage

My name is XXXX XXXX. I had a loan from Wells Fargo Loan # XXXX for property address XXXX XXXX, XXXX, KS. It has come to my attention that Wells Fargo has a foreclosure settlement. In 2007 I missed one payment and was working on a loan modification for the loan. Wells Fargo used unfair practices when I was working on the loan modification. I ended up losing my home in XXXX of 2007 and lost my family, my job and of course a home to live. I like to pursue some type of restitution My current address XXXX XXXX XXXX, XXXX, KS XXXX phone XXXX. 
email - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau 's have stated stated my account has been accurately And properly investigated but how could that be possible double if the open updates Are inaccurate, High balance is inaccurate, Date of last activity is inaccurate, the closed date Is inaccurate, the 2 year payment history and Days late are in accurate.The accounts are as followed. XXXX 1.High Balance inaccurate.2 Date of last Activity.3. Date Opened. 4.Date Closed. 5.Two- Year payment history. 6. Days late. Account 2 is Ray And Flan. 7.High Balance 8. Last Verified.9. Date of Last Activity. 10.Date Reported.11. Closed date.12. Two year Payment history. 13. Days late. Account 3 Kohls, CAPONE. 14. High Balance.15Last Verified.16.Date of Last Activity.17.Date Reported. 18. Date opened. 19.Closed Date. 20.Two year payment history. 21.Days late. Account 4 XXXX  XXXX. 22. High Balance.23.Date of Last Activity. 24. Date opened.25. Closed Date. 26.Two Year Paent History. 27. Days Late. Account 5 XXXX XXXX. 28. High Balance.29.Last verified.30.Date Opened.31.Closed Date.32. Two Year Payment History.33.Days late. Account 6 XXXX. 34.High Balance.35.Last Verified.35. Date of Last Activity.36. Date Opened.37.Closed Date. 38. Two year payment History. 39. Days late. Account 7 UPSTART XXXX.40.High balance.41.Last Verified.42.Date of Last Activity.43. Date Reported.44.Date Opened.45. Closed Date.47. Two Year Payment History.48.Days Late. Account 8 XXXX XXXX49.High Balance.49.Last Verified.50. Date Reported.51.Date Openeded.52.Balance Owed.53. Closed Date.54.Account Status. Account 9 XXXX XXXX55.Last Verified. 56. Date of Last Activity. 57. Date Opened. On XXXX XXXX, XXXX XXXX as well as XXXX XXXX. No one responds or sends a new report with updated information. Also have asked to update my personal information with only my current address of XXXX XXXX XXXX XXXX Nj XXXX. And nothing. 
15 U.S.C 1681 Section 602 ( A ) States I have the right to privacy.

15 U.S.C 1681 Section 602 ( A ) Also States a consumer Reporting Agency can not furnnish an account without my written instructions How could all of this inaccurate information possibly meet XXXX standards. Those inaccurate accounts were only for experian. XXXX Also is reporting inaccuracte information just the same with just about 100 inaccurate items. XXXX is unable to find any of my information. Please help me here my life is really hitting speed bumps and setting me back big time and this is highly unfair. And i believe the credit bureau 's were not.resolving anything due to these letters coming from a repair company and not me personally. So trying to take matters in my own hands and reach out for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan with XXXX on XX/XX/2022, my loan was denied due to Equifax reporting an incorrect score at that time. On XX/XX/2022 I was notified of this error via letter from XXXX. 

The incorrect reporting of my credit score caused me to have to finance a car loan at a higher interest rate than I would have been able to secure with a correct credit score. Additionally, I had to pay a down payment that I would not have had to if my loan had been approved with the correct credit score. 

I am disappointed that this error was not caught earlier and that it took almost eight months for me to be notified of it.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, personal loan, or advance loan

I was going through a rough patch in my life I needed a quick loan for a lawyer and I found maxlend. Quick and polite people, now I found out my apr is 588.38 % .Telling me I cant have any type of lawsuits. Ive already over XXXX for a {$1200.00} loan barely a dent was made.These people rob the poor and take advantage .Everyweek money is taken out .Predatory loaning at its best.
Product: Credit reporting or other personal consumer reports

Equifax has reported my personal information without my permission. Equifax brought and or saying/trading my personal information violating my consumer right 15USC 1681. These third party LLC like equifax did not receive my permission or consent to report any of my personal information for monetary gain. I will pursue legal action in court if equifax does not remove and all information related to my personal data. It is defamation against my character and is a direct result of me being able to have the fairness I deserve, all loans, credit card information, hard inquiries or collections should be removed immediately as to the law 15USC 1681. Please respond to this issue as soon as possible. Congress does not give equifax the right to violate my personal information.
Product: Mortgage

Bancorp South Mortgage upgraded its computer system and forced all customers to re-register their account. I need to change the direct debit account on my mortgage because I changed banks for my checking account. I called the bank/servicer to ask for assistance and they said to log-in and do it online. When I try to register the online account, it says I must click the verify link in a confirmation email. The email never arrives ( I have checked the junk and spam folders ). I have attempted this numerous times and I am unable to access my account and customer service wo n't otherwise assist with changing the account. If they try to continue drafting from the current account, it will overdraft and I ca n't stop it. Please help.
Product: Vehicle loan or lease

My name XXXX XXXX and wife Is XXXX XXXX XXXX XXXX we had car loan with XXXX XXXX and it was transferred to westlake financial. They did it in XXXX and we was not notified by email or mail that our loan was turned over to Westlake Financial. So we sending our payment to XXXX   XXXX for XXXX and XXXX which was not sent to Westlake Finanical. So we both got negative History on our credit for XXXX and XXXX. We never got nothing from them letting us know that it was turned over to Westlake Finanical. Plus Westlake Financial didn't even send us anything to let us know that they had our loan. All we asking is that they remove the negative history from XXXX and XXXX on our credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I paid my delinquent account off with XXXX XXXX Card Services. XX/XX/XXXX theyve reported again and this time it says Charged Off with a 0 balance. Ive called both Experian and XXXX XXXX services and no one seems to be able to help. Ive tried to dispute the account and it says I cant dispute it due to it already been resolved through a dispute in XX/XX/XXXX. Ive been paying all my debt and cleaning up my reports and this is a huge thorn in the side.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Check my account one day to manage it and my account was closed
Product: Debt collection

Notice for Proof of Claim Account : Weltman, Weinberg & Reis Co. LPA # XXXX To Whom it may Concern : This is a complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart , 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit card

Citibank - AAdvantage credit card I was introduce to this credit card with a promotional offer of XXXX bonus points after spending {$1000.00} for the first three months.by CitiBank Personal Banker XXXX XXXX ( at XXXX, CA ) and he help me to submit the application. 

Letter dated XXXX XXXX from Citibank quoted " The promotional offer on your account allowed you to earn XXXX bonus miles after making {$3000.00} in purchases within three months of the account opening which is totally different from the promotional offered by the banker. I want CitiBank to honour their promotional offer. 
Even CitiBank is still offering similar promotion on website with {$1000.00} spending in first 3 Months with XXXX bonus points. 

Thank you. 
XXXX XXXX.