23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX XXXX XXXX contacted me in regards to a debt by Navy Federal Credit Union for a credit card debt. I was advised by the representative on the phone that he was seeing what he can do to secure an agreement before the file lawsuit on this debt. From research under California Law a creditor can attempt to sue on a debt when it has been less than 4 years from the date of last delinquency or last charge. My last payment was XX/XX/XXXX. This has now been over 4 years since the last payment or charge. Yet I am being threatened with a lawsuit. I would like all information on how they are able to sue on a debt past 4 years. I will need all this information so I can present to my representation and figure out how we need to proceed.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX and XXXX XXXX XXXX XXXX, Please send a Subpoena to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rhode Island XXXX They represented themselves as someone with authority to look at my Transcripts and Banking, which is not true. 

They have been coercing me since Day XXXX, being short and disrespectful about XXXX XXXX XXXX XXXX, have yelled at me and lost forms regularly. 

Their Offices are in XXXX, Rhode Island as well as XXXX, Rhode Island and XXXX, Connecticut. Report them for FTC Fraud.
Product: Credit reporting or other personal consumer reports

My account with 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 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. 


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 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: Vehicle loan or lease

someone is using my information to get a car loan without my consent. I want this off of credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the Credit Bureaus on XX/XX/XXXX and on XX/XX/XXXX and I am not understanding why XXXX  and Equifax is not responding to my dispute requests at all. This is not right. I want these negative items deleted immediately. 

XXXX XXXX- XXXX-UNVERIFIED ACCOUNT XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX- XXXX-UNVERIFIED ACCOUNT XXXX  XXXX- XXXX- NOT MY ACCOUNT US DEPARTMENT OF EDUCATION- XXXX-UNVERIFIED ACCOUNT US DEPARTMENT OF EDUCATION- XXXX- UNVERIFIED ACCOUNT XXXX XXXX XXXX- XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there are some accounts that are paid in full and some that aren't mine. I've included the accounts below that I'm disputing that are impacting my credit report negatively : 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

For over 2 years I have had to deal with a Credit Rating that has been destroyed by XXXX incompetence. In short my 830+ Credit Score is now at XXXX and struggling to recover due to XXXX XXXX. Thankyou for at least reading this far. 
In short, I was moving homes and requested to cancel XXXX XXXX. 
I followed requested process and in fact waited 3 times for someone to collect unit as scheduled ... no one ever turned delivered myself to XXXX location. While dealing with this over the few week I was billed by XXXX for another month. Despite all the " promises '' this will be rectified NOTHING was done. Instead XXXX sent collection notices ( adding insult to injury ) which I refused to pay out of principal ) Consequently this referred to various Collection Agencies who passed the SAME DISPUTED account around, each time impacting Credit Score ..Finally out of frustration I paid bill but damage has been done. As you will see from all my active accounts and my long term payment history with EVERYTHING ELSE has been stellar ( hence my original XXXX Credit Score ) yet my scores with XXXX, Equifax and XXXX remain low and yet to be corrected. 

One has to question the accuracy and integrity of the Credit Agencies ( and why I am registering this complaint after two years +of frustration ) as to how ONE DISPUTED XXXX bill for {$100.00} outweighs payments for numerous other accounts including mortgages involving thousands of dollars paid fully well in advance. 

My Credit rating has not been corrected nor fairly represents my " payment character '' which impacts me any time I look to apply for anything that requires a Credit Rating search to be done. 
Hopefully something good will come of this to protect other customers. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report for the 2nd time this year, previously in XXXX. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report, unless you want to be held to {$1000.00} per violation. In addition, there has been a violation of my rights according to FCRA, with violations of 15 U.S.C 1681 section 602 A. Stating I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2. Stating a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card and made a purchase at XXXX  in XXXX, NC in XXXX or XXXX of XXXXThe card nor bill never came to my address. Around XXXX of 2020 I received an email stating I was being sent to collections. The bill was paid immediately. I applied for a XXXX XXXX XXXX  card in XXXX of XXXXwith XXXX XXXX XXXX XXXX and was informed my credit score was XXXX and would probably remain so for 7 years. My score had been XXXX for years. I got no help from XXXX or Synchrony Bank in person, phone or letter. Please assist me. I should not be punished because the card and bill were sent to the wrong address. My email : XXXX. My mailing is XXXX XXXX XXXX XXXX, NC XXXX.
Product: Debt collection

Mrs BPO , LLC, sent me a letter with the option to reply with a letter or their slip by XX/XX/XXXX. I replied by certified letter on XX/XX/XXXX and they received my letter through USPS tracking on XX/XX/XXXX. 

Previously, I had written MRS BPO on XX/XX/XXXX with no response and then a new letter on XX/XX/XXXX which was replied to on XX/XX/XXXX. 

I received a XXXX XXXX Option letter dated XX/XX/XXXX, with payment option by XX/XX/XXXX. This letter is during the period of time that the letter received on XX/XX/XXXX to which I could reply to the company. 

According to their letter to me, If you write us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at https : /Imrsbpo.com. 

They also contacted numerous phone numbers that are not directly associated with me by text message.
Product: Credit reporting or other personal consumer reports

Update on My Complaint Against TransUnion Missing Social Security Number I recently applied for credit, and creditors informed me that my Social Security number does not exist in TransUnions system. This is preventing me from obtaining credit and is a serious FCRA violation affecting my financial standing. 

Action Taken : I mailed a formal correction request via USPS Certified Mail ( tracking number XXXX ) and sent an email to XXXX on [ date ]. 
I called TransUnion ( XXXX ) to request an immediate correction. 
TransUnion has failed to correct or confirm my SSN is properly linked to my credit file. 

I request the CFPB to : 1. Force TransUnion to immediately correct my SSN and properly link my credit file. 
2. Investigate TransUnion for failing to maintain accurate consumer records.

3. Impose penalties for their non-compliance, as this has caused financial harm.

I will escalate this issue further to the FTC and my State Attorney General and pursue legal action for damages caused by XXXX negligence.
Product: Credit reporting 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. 

XXXX XXXX, XXXX  XXXX 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.

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 XXXX 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted an in person international wire to the company XXXX XXXX XXXX for {$22000.00}. For further credit to XXXXXXXX XXXX XXXX  XXXX to their account number. The money was taken out of my account and the beneficiary claimed to have not received it. XXXX XXXX XXXX  communicated with JP Morgan on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. JP Morgan sent messages on XXXX, XXXX, XX/XX/XXXX. Finally XXXX XXXX XXXX  requested the funds be returned XXXX from JP morgan and JP Morgan never responded and has quit responding to all requests.
Product: Debt or credit management

Lexington Law settlement. I am unsure of the dates and what is owed to me. However I have dealt with them in the past
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulently & is reporting on my credit report. I have reached out to XXXX, XXXX XXXX XXXX to delete account. They have said the furnisher ( First Progress ) has verified information which can not be true or confirmed.
Product: Mortgage

I have attempted to contact the trustee at the XXXX locations documentation disclosed for the amount I need to pay to reinstate the loan. The number the documentation says to call is always busy. Through the second number I talked with XXXX XXXX on XX/XX/2016. I have not received the reinstatement amount information he promised, even though I was told I would receive the information within three days. The trustees are XXXX XXXX XXXX XXXX and XXXX, XXXX.
Product: Debt collection

To Whom It May Concern : HIPPA VIOLATION I did not authorize Progressive Management System to access my XXXX records I never signed a HIPPA form. They Violated my HIPPA rights. This must be removed from my credit report immediately, I will sue Progressive Management SysteXXXX I never authorized this to release my medical records to this Progressive Management System.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing on Equifax credit report as not being paid.I have spoken ti Equifax several times, still hasnt updated XXXX Account ending in XXXX as Paid. Disputed and still not resolved. The account is listed as a charge off, and doesnt say paid. This account was paid, before going. Please see attached letter from XXXX.
Product: Credit card

This is a follow-up complaint to several other CFPB complaints on this same issue. Yesterday I spent over an hour on the phone with B of A during my work day. This was at least the third call to them to fix the same problem. I also spent over an hour with them on the phone on Sunday, my weekend. The short problem here is my statement posted on XXXX XXXX, I scheduled a payment to occur XXXX XXXX, it did, but they applied it to the prior month, saying because I made the request on the XXXX that is when they applied it. I am not rehashing any of this ; refer back to the prior complaint. While I filed a CFPB complaint yesterday on this ( and a number of times before ), I also called B OF A and hashed it out and finally got a rep who understood, said she would fix it. She said she saw the prior rep errors and that instead of a month behind I was a month ahead. She said she would submit a trouble ticket and fix it. Today I looked online. STILK SHOWIN LATE!! And today their home office retention called me in response to my CFPB complaint. Amazingly this time she again said I am late, the last representative gave me misinformation, so did the one on Sunday in my hour call who said she would move the payment and fix it, so did the one the prior Wednesday who said he would take off the late payment and reflect the account. It is like XXXX XXXX, each time I call they forget and give me old bad information and keep pressuring me to make additional payments when I am a month ahead. I have spent about 6 hours on this in the last week alone, the reward for making my payment one day after my bill!!!!!!!!! I was so enraged just now, I threw my cell phone against the wall and destroyed it. They are out of control. This is the fourth time in one week they have told me wrong information, told me I could not trust information from other representatives, told me I could not trust information for their website, and took an exceedingly rude attitude towards me always saying I am a late payer when I habitually pay within one or two days of each statement closing. I have never been more offended in my life. I need real compensation here and they need to fix their system.
Product: Mortgage

On XX/XX/21 Mr. Cooper d/b/a Nationstar Mortgage, LLC debited a total of {$2500.00} in 3 separate transactions from my bank account, when only a single mortgage payment of {$840.00} is scheduled for XX/XX/21. My bank was thankfully able to restore the funds. However, in a pandemic when everyone is experiencing financial hardship, this is glaringly-shameful example of corporate negligence for which Mr. Cooper d/b/a Nationstar Mortgage, LLC should be held accountable.
Product: Debt collection

My stepson, who was XXXX at the time, went to a doctor. That doctor billed the insurance and sent me a bill. I called them and explained I am not his guarantor, he is XXXX and provided his contact information. I was told that I am not a good parent and should take responsibility since he is my son. I advised him it does not work that way, he is of legal age and legally his own guarantor. They called him and he did not answer. They called me back and said both my wife and I are irresponsible and should have raised him better, not to leave debts. I told her he is his own person and I am not paying the debt for him. I was told they would turn me over to a collection agency. I advised them they can not since the debt is not mine. Captial Accounts has called me three times in a week and I have explained this to them. They told me the account was put in my name and turned over to them, I would need to take that up with the doctor 's office. I told them the Dr office refused to do anything and they are harassing me by constantly calling for a debt I do not owe. They talk over me and are rude, then ask me to verify my contact information so they can continue to contact me. I usually curse and hang up on them, my right to do so.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF ED/XXXX  was never late! I have had exceptional payment history with DEPT OF ED/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 paymen t 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. 


DEPT OF EDXXXX 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, credit repair services, or other personal consumer reports

I have filed a dispute with the three major credit bureau 's and the investigation took well over 30 days.
Product: Credit card or prepaid card

I TRIED TO APPLY FOR TRUIST CREDIT CARD AND TRUIST UNDER WRITER ARE STATING THAT MY CREDIT IS FROZEN WHICH IS NOT TRUE. THEIR IS NOW ISSUE WITH TRUIST PULLING MY CREDIT REPORT. I CONTACTED XXXX THEY TOLD ME I DONT HAVE ANY FRREEZE ON MY CREDIT REPORT OR ANY IDENITY THEFT ON MY CREDIT REPORT. 

I NEED TO UNDERSTAND WHY TRUIST CANT PULL MY CREDIT AT ALL. HOWEVER, THEY WAS ABLE TO PULL MY CREDIT IN THE PAST AND APPROVE ME BUT NO ITS AN ISSUE.
Product: Checking or savings account

I had {$800.00} stolen out of my checking account via ATM withdraws on XX/XX/2022 and another {$800.00} again ATM withdrawals on XX/XX/2022 via ATM withdraws that I didn't authorize. Fifth Third did reimburse me for the XXXX one but denied the second one in XXXX as I was informed that a pin number was entered. I had re-set my pin and whomever was scamming me was able to enter it. I asked if they could look at the ATM security camera to determine who made the withdrawals and I was told that the camera wasn't available. I then asked about the previous {$800.00} ( as if it's someone I know I wanted to file a police report ) but I was told that the security camera for that incident wasn't available either. I find that odd that two ATM transactions at 2 separate sites wouldn't have security cameras working. I even visited my Fifth Third Bank and asked if they could check the camera 's on site and was told no one at that site had access that only the corporate office would be able to view them. 

Then on XX/XX/2022 was scammed {$290.00} ( my entire checking account balance ) via a XXXX transfer that I didn't authorize as I have never even had a XXXX account or app. I was denied a refund for that transaction as well as they said I was texted a number to verify. I actually was able to confirm a text was sent that day to my cell but I didn't see it. So upon researching these issues I think my phone was cloned but I don't know how to verify that. I read that text messages can actually be hijacked. I did close that checking account after the XXXX incident as someone obviously had access to it and I haven't had any issues with my new account as of today. 

I did have credit card fraud as well, a substantial amount on various cards but I was reimbursed for all of these thankfully. I also found out that my information was found on the XXXX  XXXX. So a few months ago I locked my information on all three credit bureaus and still have them locked today.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been an issue with my identity being stolen and certain inquiries that appeared from the situation remain to be reported on my credit. from XX/XX/2020 to XX/XX/2020 those inquiries were placed by an imposter trying to be me. i have filed much paperwork showing inaccurate information with signatures and documents. i need help to clear my name of these acts due to the harsh times of today. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thanks